Tata Capital : Financial Performance for Q2 & H1 FY27

- Key Performance Highlights - Profitability: Consolidated Net Profit (Q2 FY27): ₹1,831.88 crore, reflecting a growth of 63.7% YoY compared to ₹1,118.97 crore in Q2 FY26. Standalone Net Profit (Q2 FY27) : ₹1,143.26 crore, up 73.1% YoY from ₹660.61 crore in Q2 FY26. Revenue Growth: Consolidated Total Income (Q2 FY27): ₹9,356.11 crore, up 20.7% YoY compared to ₹7,749.27 crore in Q2 FY26. Standalone Total Income (Q2 FY27): ₹6,724.14 crore, up 20.2% YoY from ₹5,592.12 crore in Q2 FY26. Asset Quality & Capital: Gross NPA (Standalone): Reduced to 2.40% as of September 30, 2026 (down from 2.89% as of September 30, 2025). Net NPA (Standalone): Improved to 1.01% (down from 1.40% in Q2 FY26). Provision Coverage Ratio (PCR): Expanded to 58.62%. Capital Adequacy Ratio (CAR): Well-capitalized at 17.28%. Loan Book & Assets: Consolidated Total Loans: Stood at ₹2,98,216.75 crore as of September 30, 2026, up from ₹2,68,203.09 crore at March 31, 2026. Consolidated Total Assets: Expanded to ₹3,19,237.52 crore. -- Major Corporate Developments -- ** Enhancement of Medium Term Note (MTN) Programme: The Board approved expanding the existing MTN Programme from USD 2 billion to USD 3 billion. Subject to market conditions, the company plans to issue foreign currency bonds/debt instruments via External Commercial Borrowings (ECBs) in one or more tranches. Inorganic Expansion: Tata Capital entered into an agreement on July 13, 2026, to acquire an ~88.6% stake in Yogakshemain Loans Limited, entering into the gold loan business. Regulatory approvals are currently awaited. Disclosure /Disclaimer Link: *****