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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Tata Capital Ltd

Tata Capital Q2 FY27 Consolidated PAT Rises 51% YoY to ₹ 1,660 crore

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 27 Oct 2026, 05:00 PM IST  ·  BSE ID: 06a604a2-04e1-40de-b66a-2a186fe24bf4
View Original BSE Filing (PDF)
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In Simple Terms
Tata Capital's quarterly profit increased significantly, with its total loans managed growing to over ₹3 trillion.
🤖 AI Summary
  • Tata Capital's Q2 FY27 consolidated PAT increased 51% YoY to ₹ 1,660 crore.
  • Assets Under Management (AUM) grew 26% YoY to ₹ 3,08,030 crore as of September 30, 2026.
  • The consolidated loan book surpassed the ₹ 3 trillion milestone during Q2 FY27.
  • Retail + SME segments contribute 85.4% of Net AUM; asset quality remained stable.
  • Annualized Return on Assets (ROA) reached 2.3% and Return on Equity (ROE) 14.0% for Q2 FY27.
🔢 Key Numbers — exact figures from BSE filing, not rounded
PAT (attributable to owners) Q2 FY27
₹ 1,660 crore
51%
Assets under management (net) as of Sep 30, 2026
₹ 3,08,030 crore
26%
Net total income Q2 FY27
₹ 4,676 crore
24%
Gross Stage 3 (GS3) as of Sep 30, 2026
1.9%
Net Stage 3 (NS3) as of Sep 30, 2026
0.8%
Annualized ROA Q2 FY27
2.3%
Annualized ROE Q2 FY27
14.0%
🏢 How This Affects the Company
📈
Business Impact
The loan book crossing ₹3 trillion and AUM growing 26% YoY demonstrates expansion in Tata Capital's lending business and market presence. The focus on Retail + SME segments, comprising 85.4% of Net AUM, indicates a diversified growth strategy.
💰
Financial Impact
A 51% YoY increase in PAT to ₹ 1,660 crore, alongside a 24% rise in Net total income to ₹ 4,676 crore, reflects improved profitability. Stable asset quality with GS3 at 1.9% and NS3 at 0.8%, coupled with reduced annualized credit cost to 0.9%, supports financial health.
⚙️
Operational Impact
The scaling of AI-led capabilities across onboarding, operations, underwriting, servicing, and collections, processing over 70% of retail applications via AI, points to enhanced operational efficiency and turnaround times.
⚠️
Risk Impact
Stable asset quality metrics (GS3 at 1.9%, NS3 at 0.8%) and a Capital Risk Adequacy Ratio of 17.3% indicate prudent risk management, mitigating potential asset quality deterioration risks despite business growth.
👥 What This Means For Shareholders
✅
Action Required
No action required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected as the company's financial performance reflects on the overall health and valuation of their investment in Tata Capital.
🔍
Management Signal
Management signals a focus on diversified growth, stable asset quality, and leveraging AI for operational efficiency and scalability, as evidenced by the CEO's commentary and performance highlights.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — review continued PAT growth and AUM expansion.
Updates on AI adoption impact — assess further improvements in operational metrics.
Asset quality trends — monitor GS3 and NS3 ratios in subsequent quarters.
LOW RISK Strong growth in AUM and PAT, coupled with stable asset quality and adequate capital ratios, indicates a low immediate risk profile.
💡 Investor Takeaway
Tata Capital's Q2 FY27 consolidated PAT increased 51% YoY to ₹ 1,660 crore. Assets Under Management (AUM) grew 26% YoY to ₹ 3,08,030 crore. The loan book crossed ₹ 3 trillion, with Retail + SME comprising 85.4% of Net AUM and asset quality remaining stable.
⚖️ Strengths & Concerns

✅ Positives

  • Consolidated Profit After Tax (PAT) grew 51% YoY to ₹ 1,660 crore in Q2 FY27, indicating strong profitability.
  • Assets Under Management (AUM) expanded by 26% YoY to ₹ 3,08,030 crore, demonstrating significant business growth.

⚠️ Concerns

  • Investment income grew 143% YoY to ₹ 255 crore for Q2FY27, but represents a smaller component of Net total income compared to Net interest income and Fee income.
  • Operating expense increased 10% YoY to ₹ 1,651 crore in Q2 FY27, though cost to income ratio improved to 35.3%.
📅 Company Track Record
In Q1 FY27, Tata Capital's standalone profit rose to Rs. 999.44 crores, up 75.93% YoY. Earlier, in Q1 FY27, the company reported consolidated PAT up 56% to ₹ 1,547 crore and AUM of ₹ 2,90,502 crore. This Q2 FY27 filing continues the trend of strong profit and AUM growth.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Tata Capital's consolidated net profit for Q2 FY27?
Tata Capital's consolidated Profit After Tax (PAT) for Q2 FY27 was ₹ 1,660 crore, representing a 51% year-on-year increase from ₹ 1,097 crore in Q2 FY26.
What is Tata Capital's Assets Under Management (AUM) as of September 30, 2026?
As of September 30, 2026, Tata Capital's Assets Under Management (AUM) stood at ₹ 3,08,030 crore, marking a 26% year-on-year growth.
How did Tata Capital's Net total income perform in Q2 FY27?
Tata Capital's Net total income grew by 24% year-on-year to ₹ 4,676 crore in Q2 FY27, compared to ₹ 3,774 crore in Q2 FY26.
What are Tata Capital's asset quality metrics as of September 30, 2026?
As of September 30, 2026, Tata Capital reported Gross Stage 3 (GS3) at 1.9% and Net Stage 3 (NS3) at 0.8%.
What is the contribution of Retail + SME to Tata Capital's Net AUM?
Retail + SME segments constitute 85.4% of Tata Capital's Net AUM, with high-margin retail accounting for approximately 25%.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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