Tata Capital to Acquire Yogakshemam Loans for ₹318 Crore Valuation, Enters Gold Loan Business
Tata Capital will acquire approximately 88.6% of Yogakshemam Loans Limited for a pre-money equity valuation not exceeding ₹318 crore. The deal includes a ₹93 crore capital infusion for growth. This acquisition marks Tata Capital's entry into the gold loan business, leveraging Yogakshemam's ₹708 crore AUM and 162 branches.
This is a significant strategic move for Tata Capital, marking its entry into a new lending segment with substantial growth potential and increasing its retail lending portfolio.
The acquisition is strategic, allowing Tata Capital to enter a high-growth segment (gold loans) with an established player, aligning with its diversification strategy and expected to accelerate growth.
Tata Capital Limited announced that its Board of Directors has approved the acquisition of Yogakshemam Loans Limited (“Target”), an RBI-registered non-banking financial company primarily focused on gold loans.
The acquisition marks Tata Capital's entry into the gold loan business, a secured lending segment with significant growth potential, aligning with its strategy to diversify its retail lending portfolio. Yogakshemam Loans operates through 162 branches across Kerala, Karnataka, Tamil Nadu, and Andhra Pradesh, with Assets Under Management (AUM) of ₹708 crore as of March 31, 2026. The company serves around 32,000 gold loan customers.
The all-cash transaction involves acquiring approximately 88.6% of the issued and paid-up share capital of Yogakshemam Loans. This will be achieved through a combination of share purchase from existing shareholders and a primary capital infusion of approximately ₹93 crore to support growth plans. The transaction is based on a pre-money equity valuation of Yogakshemam Loans not exceeding ₹318 crore. Upon completion, Yogakshemam Loans will become a subsidiary of Tata Capital. The acquisition is expected to be completed within eight months from the execution of the Securities Subscription and Purchase Agreement dated July 13, 2026, subject to customary closing conditions and receipt of necessary regulatory approvals, including from the Reserve Bank of India.
Mr. Unnikrishnan Idicharm Veetil, who currently leads Yogakshemam Loans, will continue to head the company post-acquisition, ensuring business continuity. Mr. Rajiv Sabharwal, Managing Director & CEO of Tata Capital, stated that the acquisition will add a secured lending product with significant growth potential to their retail lending portfolio. Mr. Unnikrishnan expressed enthusiasm about joining the Tata family, anticipating that Tata Capital's brand, financial strength, and technology capabilities will accelerate growth.
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Tata Capital Limited filed this with the NSE as a statutory disclosure, categorised under acquisition. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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