Tata Capital Q1FY27 Results: PAT Up 56% to ₹1,547 Cr; Enters Gold Loan Business
Tata Capital reported Q1FY27 PAT of ₹1,547 Cr, up 56% YoY. Consolidated AUM increased by 22.3% to ₹2,90,502 Cr. The company is acquiring Yogakshemam Loans Limited (Yogloans) for up to ₹318 Cr, marking its entry into the gold loan business. Yogloans has an AUM of over ₹700 Cr and operates 160+ branches.
The acquisition of Yogloans represents a significant strategic expansion into the gold loan market, which is expected to have a substantial impact on the company's future growth and diversification.
The company reported strong year-on-year growth in PAT and AUM, along with a strategic acquisition that expands its business into a new segment.
Tata Capital Limited announced its unaudited financial results for the quarter ended June 30, 2026, showcasing a robust performance.
The company reported a Profit After Tax (PAT) of ₹1,547 crore, marking a significant 56.3% year-on-year growth and a 3.0% quarter-on-quarter increase. Assets Under Management (AUM) grew by 22.3% year-on-year to ₹2,90,502 crore, with a 4.8% increase quarter-on-quarter. Excluding Motor Finance, AUM saw a 28% YoY growth.
In a strategic move, Tata Capital announced the acquisition of Yogakshemam Loans Limited (Yogloans) for an all-cash transaction, with a pre-money equity value not exceeding ₹318 crore. This acquisition marks the company's entry into the gold loan business, a secured lending segment. Yogloans operates over 160 branches across southern India and has an AUM of over ₹700 crore, primarily in gold loans.
The company also reported improvements in asset quality, with annualized credit cost at 1.0%, down from 1.6% in Q1FY26. Gross Non-Performing Assets (GNPA) stood at 1.9% and Net Non-Performing Assets (NNPA) at 0.8%, showing a decrease from the previous year.
Tata Capital's housing finance subsidiary, TCHFL, also posted strong results with a 24% YoY growth in Net AUM to ₹89,416 crore and a 29% YoY growth in PAT to ₹532 crore for Q1FY27.
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