Tata Capital Q2 FY27 Results: Consolidated Profit Rises 51%, AUM Crosses ₹3.08 Lakh Crore, And Loan Book Expands

Tata Capital reported a 51% year-on-year (YoY) rise in consolidated profit after tax (PAT) to ₹1,660 crore in Q2 FY27, compared with ₹1,097 crore a year earlier. Net total income grew 24% to ₹4,676 crore, and assets under management (AUM) reached ₹3,08,030 up 26% YOY crore as of 30 September 2026.

Tata Capital's Q2 results also showed improved operating efficiency and lower loan-loss provisions, along with continued lending expansion.

Following the results, the Tata Capital share price is likely to remain in focus when markets reopen. The stock closed at ₹300.45 on the National Stock Exchange (NSE) on 27 October 2026.

Tata Capital Q2 Results: Other Financial Highlights

Net interest income increased 23% YoY to ₹3,696 crore, and pre-provisioning operating profit also rose 33% to ₹3,025 crore. Profit before tax grew 58% to ₹2,380 crore.

Sequentially, PAT increased 7.3% from ₹1,547 crore in Q1 FY27, while net total income rose 5% from ₹4,455 crore. Loan-loss provisions fell 17% YoY to ₹645 crore.

For H1 FY27, PAT rose 54% to ₹3,207 crore, while net total income increased 23% to ₹9,132 crore. The Tata Capital AUM increased by 26% for the same period.

Tata Capital’s Loan Book And Asset Quality

Tata Capital’s gross loan book grew 27% year-on-year (YoY) to ₹3,03,739 crore as of 30 September 2026, while the net loan book also increased 27% to ₹2,98,217 crore. Excluding motor finance, assets under management (AUM) grew 32% YoY.

As of 30 September 2026, gross Stage 3 assets stood at 1.9% and net Stage 3 assets at 0.8%. The provision coverage ratio was 58.6%, while the capital adequacy ratio stood at 17.3%.

What Did Management Say?

Managing Director and CEO Rajiv Sabharwal said the loan book had crossed ₹3 trillion. He highlighted artificial intelligence (AI) adoption across lending and servicing: more than 70% of retail applications were processed through AI, while AI-assisted underwriting covered over 95% of personal and business loan cases. The company said this improved processing turnaround time by more than 39%.

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