Tata Capital Q2FY27 PAT Surges 51% to ₹1,660 Crore; Loan Book Crosses ₹3 Trillion
Tata Capital's Q2FY27 PAT surged 51% YoY to ₹1,660 crore on consolidated basis. Loan book crossed ₹3 trillion, with AUM at ₹3,08,030 crore, up 26% YoY. AI adoption enhanced operational efficiency, with over 70% of retail applications processed via AI. TCHFL's PAT grew 26% YoY to ₹552 crore.
The announcement details significant financial growth, a major milestone in loan book size, and strategic advancements in AI integration, all of which are material to the company's performance and outlook.
The company reported strong year-on-year growth in PAT and AUM, crossed a significant loan book milestone, and highlighted positive operational improvements driven by AI adoption, indicating a favorable financial performance.
Tata Capital Limited announced its unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2026. The Board of Directors approved these results in a meeting held on October 27, 2026.
Mr. Rajiv Sabharwal, Managing Director & CEO, highlighted the significant milestone of the loan book crossing ₹3 trillion. The company's Assets Under Management (AUM) reached ₹3,08,030 crore, marking a 26% year-on-year increase. Profit After Tax (PAT) grew by 51% year-on-year to ₹1,660 crore. Excluding Motor Finance, AUM saw a 32% year-on-year growth, with asset quality remaining stable.
Artificial intelligence continues to be a strategic focus, with AI-led capabilities scaled across onboarding, operations, underwriting, servicing, and collections. Over 70% of retail applications are processed via AI, and AI-assisted underwriting has been adopted for over 95% of Personal and Business Loan cases, improving turnaround time by over 39%.
On the macroeconomic front, India's strong economic fundamentals and structural growth drivers present significant long-term opportunities. The company remains focused on disciplined growth, robust risk management, and balance sheet resilience.
For the consolidated results, Net Total Income grew by 24% YoY to ₹4,676 crore in Q2FY27. The Cost to Income ratio stood at 35.3%, and annualized credit cost was 0.9%. Annualized ROA was 2.3%, and ROE was 14.0%. GS3 was 1.9%, NS3 was 0.8%, and PCR was 58.6% as of September 30, 2026.
The material subsidiary, Tata Capital Housing Finance Ltd. (TCHFL), reported AUM growth of 26% YoY to ₹95,098 crore. Net Total Income increased by 21% YoY to ₹1,089 crore, and PAT grew by 26% YoY to ₹552 crore. GS3 for TCHFL was 0.7%, NS3 was 0.3%, and PCR was 57.3%.
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