Tata Capital to Acquire Yogakshemam Loans for ₹318 Crore Valuation, Enters Gold Loan Market
Tata Capital will acquire 88.6% of Yogakshemam Loans Limited for a pre-money valuation not exceeding ₹318 crore. The deal includes a ₹93 crore capital infusion and marks Tata Capital's entry into the gold loan business. The acquisition is expected to complete within 8 months, subject to regulatory approvals.
This acquisition represents a significant strategic move for Tata Capital, marking its entry into the gold loan market and diversifying its retail lending portfolio. It involves a substantial valuation and capital infusion, indicating a material impact on the company's business operations and market presence.
The acquisition is strategically aligned with Tata Capital's growth objectives, allowing entry into a new, high-potential lending segment and leveraging an established platform. The transaction is expected to accelerate growth and enhance customer experience.
Tata Capital Limited has announced its strategic decision to acquire Yogakshemam Loans Limited (Yogloans), an RBI-registered non-banking financial company specializing in gold loans. The acquisition, approved by the Board of Directors on July 13, 2026, will be executed through a Securities Subscription and Purchase Agreement (SSPA).
Under the terms of the SSPA, Tata Capital will acquire approximately 88.6% of Yogloans' issued and paid-up share capital. This will be achieved through a combination of purchasing equity shares from existing sellers and subscribing to new equity shares in Yogloans. The transaction is structured as an all-cash deal with a pre-money equity valuation of Yogloans not exceeding ₹318 crore. Additionally, Tata Capital will make a primary capital infusion of approximately ₹93 crore to support Yogloans' future growth initiatives.
This acquisition marks Tata Capital's entry into the gold loan segment, a move aligned with its strategy to diversify its retail lending portfolio. Yogloans brings an established platform with a network of 162 branches across Kerala, Karnataka, Tamil Nadu, and Andhra Pradesh, and Assets Under Management (AUM) of ₹708 crore as of March 31, 2026. The company serves approximately 32,000 gold loan customers and is led by industry veteran Mr. Unnikrishnan Idicharm Veetil, who will continue to lead Yogloans post-acquisition to ensure business continuity.
The acquisition is expected to be completed within eight months from the execution of the SSPA, subject to customary closing conditions and the receipt of necessary regulatory approvals, including from the Reserve Bank of India. Mr. Rajiv Sabharwal, Managing Director & CEO of Tata Capital, expressed optimism, stating that the acquisition will accelerate growth by combining Yogloans' market expertise with Tata Capital's brand, capital strength, technology, and risk management capabilities.
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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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