Tata Capital Limited announced its unaudited consolidated financial results for the quarter and half-year ended September 30, 2026. The company reported a substantial 51% year-on-year increase in Profit After Tax (PAT) for Q2 FY27, reaching ₹1,660 crore. This growth was driven by a 26% YoY increase in Assets Under Management (AUM) to ₹3,08,030 crore and a 24% YoY rise in Net Total Income.
Tata Capital Reports Robust Q2 FY27 Financial Performance
Tata Capital Limited (TCL) today announced its unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2026. The Board of Directors approved these results during a meeting held on October 27, 2026.
Key Financial Highlights (Consolidated)
The company achieved a significant milestone with its loan book crossing ₹3 trillion. Assets Under Management (AUM) grew by a strong 26% year-on-year to ₹3,08,030 crore as of September 30, 2026. Excluding Motor Finance, AUM saw a growth of 32% YoY.
Net Total Income for the second quarter of FY27 (Q2FY27) rose by 24% YoY to ₹4,676 crore, compared to ₹3,774 crore in Q2FY26. Profit After Tax (PAT) attributable to owners demonstrated robust growth, increasing by 51% YoY to ₹1,660 crore in Q2FY27, up from ₹1,097 crore in the previous year’s corresponding quarter.
Operational efficiency also improved, with the Cost to Income ratio standing at 35.3% in Q2FY27, a notable decrease from 39.7% in Q2FY26. Annualized credit cost decreased to 0.9% in Q2FY27 from 1.3% in Q2FY26.
Material Subsidiary Performance: Tata Capital Housing Finance Ltd. (TCHFL)
Tata Capital Housing Finance Ltd. (TCHFL), a wholly-owned subsidiary, also reported positive results. Its Assets Under Management grew by 26% YoY to ₹95,098 crore as of September 30, 2026. Net Total Income increased by 21% YoY to ₹1,089 crore in Q2FY27. PAT for TCHFL increased by 26% YoY to ₹552 crore in Q2FY27.
Strategic Focus and Macroeconomic Outlook
Mr. Rajiv Sabharwal, Managing Director & CEO, highlighted the company’s focus on scaling AI-led capabilities across various functions, improving processing turnaround times by over 39% and enhancing underwriting productivity. He also commented on the macroeconomic environment, stating that India’s strong economic fundamentals create significant long-term opportunities, and the company remains focused on disciplined growth with strong risk management.
Source: BSE
