Tata Capital Limited has informed the Exchange about Press Release on Unaudited Financial Results of the Company for the quarter ended June 30, 2026.
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 28 Jul 2026, 03:54 PM IST · BSE ID: 5d42862c-3ce0-4613-a9e6-80501129af58
View Original BSE Filing (PDF)
💡
In Simple Terms
Tata Capital's first-quarter profit rose by 56%, and it expanded its business by entering the gold loan market.
🤖 AI Summary
- Tata Capital reported consolidated PAT of ₹ 1,547 crore for Q1 FY27, a 56% year-on-year increase.
- Consolidated Assets under management (AUM) grew 22% year-on-year to ₹ 2,90,502 crore as of June 30, 2026.
- The company announced its foray into the gold loan business through the acquisition of Yogloans.
- Retail + SME segments now constitute 85.4% of the Net AUM.
- Net total income for Q1 FY27 increased by 23% year-on-year to ₹ 4,455 crore.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Assets under management (net) Q1 FY27
₹ 2,90,502 crore
22%
PAT (attributable to owners) Q1 FY27
₹ 1,547 crore
56%
Net total income Q1 FY27
₹ 4,455 crore
23%
GS3 as of June 30, 2026
1.9%
NS3 as of June 30, 2026
0.8%
Capital risk adequacy ratio as of June 30, 2026
18.5%
🏢 How This Affects the Company
The acquisition of Yogloans expands Tata Capital's retail lending portfolio into the gold loan segment, diversifying its product suite and addressing increased customer preference for secured credit. AUM growth of 22% YoY, including Motor Finance, indicates continued business momentum across core franchises.
Consolidated PAT increased by 56% YoY to ₹ 1,547 crore, driven by 23% YoY growth in Net total income to ₹ 4,455 crore. Annualized ROA improved to 2.3% and ROE to 13.7% in Q1 FY27, reflecting enhanced profitability. Credit costs reduced to 1.0% from 1.6% YoY.
Headcount increased by approximately 5% while AUM grew by 22% YoY, indicating productivity gains from AI-led automation across origination, underwriting, operations, collections, and servicing. The company now operates a pan-India network of 1,491 branches.
Diversification into the gold loan business can potentially mitigate portfolio concentration risks by adding a secured credit product. Improved asset quality trends, with GS3 at 1.9% and NS3 at 0.8%, indicate prudent underwriting and collection efficiencies.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results and press release filing.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, with Q1 FY27 consolidated PAT rising to ₹ 1,547 crore and AUM reaching ₹ 2,90,502 crore. The strategic acquisition of Yogloans impacts the company's future business composition.
🔍
Management Signal
Management is signaling a focus on diversified growth, profitability enhancement, and operational efficiency through technology, alongside strategic acquisitions to expand its retail lending portfolio.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 results — monitor AUM growth and asset quality trends.
Updates on Yogloans acquisition completion and integration.
Further details on gold loan business scaling strategy.
LOW RISK
Financial results indicate strong growth and improved asset quality with stable capital adequacy.
💡 Investor Takeaway
Tata Capital's Q1 FY27 consolidated PAT increased by 56% to ₹ 1,547 crore, alongside 22% YoY growth in Assets under management (AUM) to ₹ 2,90,502 crore. The company entered the gold loan business via Yogloans acquisition, with Retail + SME comprising 85.4% of Net AUM.
⚖️ Strengths & Concerns
✅ Positives
- Consolidated PAT increased by 56% year-on-year to ₹ 1,547 crore in Q1 FY27, demonstrating strong profit growth.
- Assets under management (AUM) grew by 22% YoY to ₹ 2,90,502 crore, indicating robust business expansion.
📅 Company Track Record
Tata Capital's Q1 FY27 consolidated PAT of ₹ 1,547 crore marks a 56% YoY increase, building on a Q1 FY27 standalone profit of ₹ 999.44 crores reported earlier, which itself reflected a 75.93% YoY growth. This follows consistent performance trends.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Tata Capital's consolidated PAT for Q1 FY27?
Tata Capital's consolidated Profit After Tax (PAT) for Q1 FY27 was ₹ 1,547 crore, representing a 56% increase year-on-year.
What was Tata Capital's Assets Under Management (AUM) as of June 30, 2026?
As of June 30, 2026, Tata Capital's consolidated Assets Under Management (AUM) stood at ₹ 2,90,502 crore, up 22% year-on-year.
Which new business segment has Tata Capital entered?
Tata Capital has forayed into the gold loan business through the acquisition of Yogloans, subject to customary conditions and necessary approvals.
What is the Gross Stage 3 (GS3) and Net Stage 3 (NS3) for Tata Capital as of June 30, 2026?
As of June 30, 2026, Tata Capital's Gross Stage 3 (GS3) was 1.9% and Net Stage 3 (NS3) was 0.8%.
What was the growth in Net total income for Tata Capital in Q1 FY27?
Tata Capital's Net total income grew by 23% year-on-year to ₹ 4,455 crore in Q1 FY27 from ₹ 3,626 crore in Q1 FY26.
Questions based on this BSE filing only. For information purposes.