Tata Capital Q2FY27 PAT Soars 51% to ₹1,660 Cr, AUM Crosses ₹3 Lakh Cr
Tata Capital reported a 51% YoY increase in Q2FY27 PAT to ₹1,660 Cr. AUM reached ₹3,08,030 Cr (up 26% YoY). Operating efficiency improved with C/I ratio at 35.3%. GNPA stood at 1.9% and NNPA at 0.8%. The company released its investor presentation on October 27, 2026.
Significant growth in key financial metrics like PAT and AUM, coupled with operational improvements, is likely to have a substantial positive impact on investor perception and the company's valuation.
The company reported strong year-on-year growth in PAT and AUM, along with improved operating efficiency and stable asset quality, indicating a positive financial performance.
Tata Capital Limited announced its unaudited financial results for the quarter and half year ended September 30, 2026, alongside an investor presentation. The company reported a significant 51% year-on-year growth in Profit After Tax (PAT) to ₹1,660 crore for Q2FY27.
Assets under Management (AUM) crossed the ₹3 lakh crore milestone, reaching ₹3,08,030 crore, a 26% increase year-on-year. Excluding Motor Finance, AUM grew by 32% year-on-year to ₹2,84,439 crore. The retail and SME segments continue to form a stable 85.4% of the Net AUM.
Operating efficiency improved, with the Cost to Income (C/I) ratio at 35.3% compared to 39.7% in Q2FY26. Annualized credit cost stood at 0.9%, and asset quality remained stable with Gross Non-Performing Assets (GNPA) at 1.9% and Net Non-Performing Assets (NNPA) at 0.8% in Q2FY27.
The company also highlighted its expanded branch network to 1,515 locations across 26 states and union territories, complemented by digital capabilities. The customer franchise grew to 9.2 million. The investor presentation was shared following an Earnings Conference Call held on October 27, 2026.
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See the model portfoliosA plain-language summary of a public exchange filing by Tata Capital Limited. Read the original for the full detail.