Tata Capital Ltd

Tata Capital Limited has submitted its Monitoring Agency Report for the quarter ended June 30, 2026, concerning the utilization of proceeds from its Initial Public Offering (IPO). The report, issued by CARE Ratings Limited, confirms that the utilization of funds raised through the IPO, which aggregated ₹15,512 crore (₹6,846 crore fresh issue), is in line with the objects disclosed in the Offer Document. The Audit Committee and Board of Directors have reviewed and taken this report on record. CARE Ratings confirmed no deviation from the IPO's stated objectives.

Tata Capital Limited announced that its Board of Directors, in a meeting held on July 28, 2026, approved the unaudited standalone and consolidated financial results for the quarter ended June 30, 2026. The board also approved the re-appointment of Ms. Sarita Kamath as Chief Compliance Officer for a further period of 3 years, effective October 1, 2026. The company submitted financial results along with limited review reports from joint statutory auditors M/s. M S K A & Associates LLP and M/s. M P Chitale & Co., both with unmodified opinions. Additionally, statements regarding utilization of Non-Convertible Debentures and IPO proceeds were filed, indicating nil deviation or variation.

Tata Capital Limited reported a strong Q1FY27 performance with consolidated Profit After Tax (PAT) surging 56% year-on-year to ₹1,547 crore. Assets Under Management (AUM) grew 22% YoY to ₹2,90,502 crore. Excluding Motor Finance, AUM saw a robust 28% YoY increase. The company also announced its foray into the gold loan business through the acquisition of Yogloans, aiming to diversify its retail lending portfolio. Management highlighted healthy business momentum, encouraging asset quality, and significant productivity gains driven by AI and digital capabilities.

Tata Capital Limited announced its Unaudited Standalone and Consolidated Financial Results for the quarter ended June 30, 2026. The Board of Directors also approved the re-appointment of Ms. Sarita Kamath as Chief Compliance Officer for a further period of 3 years, effective October 1, 2026. The company submitted financial results along with Limited Review Reports from joint statutory auditors M/s. M S K A & Associates LLP and M/s. M P Chitale & Co., which were issued with an unmodified opinion. Information as per Regulation 52(4) of SEBI Listing Regulations, Security Cover Certificate, and statements on utilization of Non-Convertible Debentures and IPO proceeds were also provided.

Tata Capital's first quarter as a listed entity was a strong one on the bottom line. Consolidated profit after tax attributable to owners came in at ₹1,547 Cr, up 56% YoY from ₹990 Cr, on total income of ₹8,825 Cr (+15% YoY, +8% QoQ). The total 'profit for the period' — the figure several outlets headline — was ₹1,628 Cr including ₹81 Cr of minority interest. Standalone PAT was ₹999 Cr, up ~76% YoY. Basic EPS (not annualised) was ₹3.65 versus ₹2.48 a year ago. The reason profit grew nearly four times faster than revenue is the credit-cost and funding bridge: consolidated impairment on financial instruments fell to ₹678 Cr from ₹909 Cr a year earlier, and finance costs rose just 7.5% even as AUM expanded 22%, lifting net profit margin to 17.5% from 12.9% YoY. Sequentially the picture is far tamer — owners' PAT was up only ~3% QoQ and NPM actually eased from 18.4% in Q4 — so the year-on-year comparison, not the quarter-on-quarter, is the real story. With no exceptional items this quarter and none in the year-ago base, reported and underlying YoY growth coincide at ~56%. Against the bar we set going in, the print beat on earnings and lagged on the topline: the pre-result read looked for ~27% PAT growth and ~28% revenue growth, and while PAT blew past at +56%, revenue growth was softer at +15% (AUM grew 22% including Motor Finance, 28% excluding it, to ₹2,66,057 Cr). Measured against management's own FY28 guidance — 23-25% AUM growth, ROA of 2.5-2.7%, and a slight margin improvement — the quarter tracks on-plan to slightly ahead, with the margin lift already visible. MD & CEO Rajiv Sabharwal framed it as a 'strong start... healthy momentum across core franchises' with 'encouraging' asset quality, and the numbers back that: standalone gross NPA eased to 2.45% (from 2.62% YoY) and CAR stood at 18.46%. On the corporate front the board resolved a key pre-result watch item — approving the acquisition of ~88.6% of Yogakshemam Loans, an RBI-registered gold-loan NBFC, at a pre-money valuation of ≤₹318 Cr — marking Tata Capital's entry into gold loans, alongside ₹6,250 Cr of NCDs raised in the quarter and the CCO's reappointment. Going into Q2, the items to verify are management's own markers: the guided H1 FY27 recovery in Motor Finance AUM (the drag between the 22% and 28% growth figures), the scale-up of gold loans post-Yogloans, and whether the sharp drop in credit costs that powered this quarter's beat is sustained.

Tata Capital Ltd has dispatched letters to shareholders and debenture holders, providing a web link and QR code to access the Annual Report for FY 2025-26. This communication is for those who have not registered their email addresses. The Annual Report is also available on the company's website. The 35th Annual General Meeting (AGM) is scheduled for August 19, 2026, to be held via Video Conferencing. Key dates related to the AGM, including record dates for dividend and e-voting periods, have also been provided.

Tata Capital Limited has submitted its Business Responsibility and Sustainability Report (BRSR) for the financial year 2025-26, which is also a component of its Annual Report. The report, prepared on a consolidated basis covering the Indian operations of Tata Capital Limited and its subsidiaries Tata Capital Housing Finance Limited and Tata Securities Limited, includes an Independent Reasonable Assurance Report on BRSR Core Indicators provided by SGS India Private Limited. The company's primary business activity is financial services, specifically lending, accounting for 97.5% of its turnover. The report details the company's corporate identity, operational footprint across 1477 offices nationally, and its market served, which includes 8.4 million customers up to March 31, 2026, across retail, SME, and corporate finance segments.

Tata Capital Limited has formally announced the date and time for its 35th Annual General Meeting (AGM), scheduled for August 19, 2026, at 11:00 a.m. IST. The meeting will be conducted via Video Conference/Other Audio Visual Means. Shareholders and debenture holders will receive the notice electronically. The AGM agenda includes transacting businesses as detailed in the notice dated July 13, 2026. The company also released its Annual Report for FY 2025-26, which includes the Business Responsibility and Sustainability Report. Both documents are available on the company's website.

Tata Capital Limited has announced its 35th Annual General Meeting (AGM) scheduled for August 19, 2026, to be held via video conference. The company has also released its Annual Report for the Financial Year 2025-26, which includes the Business Responsibility and Sustainability Report. The report details the company's financial and operational highlights, including total equity of ₹44,658 Cr and borrowings of ₹2,35,977 Cr as of March 31, 2026. It also outlines the company's strategic focus on a digital-first, AI-driven operating model and its commitment to sustainability.

Tata Capital Limited has announced its 35th Annual General Meeting (AGM) scheduled for August 19, 2026, to be held via video conference. The company has also released its Annual Report for the Financial Year 2025-26, which includes the Business Responsibility and Sustainability Report. The report details the company's financial and operational highlights, including total equity of ₹44,658 Cr and borrowings of ₹2,35,977 Cr as of March 31, 2026. It emphasizes a digital-first, AI-driven operating model focused on customer lifecycle management and responsible financial partnership.