NBFC with strong exposure to retail and SME

Tata Capital is a diversified NBFC with strong exposure to retail, SME, housing, commercial finance and wealth solutions. Q1 FY27 consolidated PAT surged 56% YoY to ₹1,547 crore, while AUM grew 22% to ₹2.91 lakh crore. Net total income increased 23% to ₹4,455 crore, with ROA improving to 2.3% and asset quality remaining healthy. Latest News: Tata Capital entered the gold-loan segment by acquiring ~88.6% of Yogakshemam Loans (Yogloans), adding another secured-lending growth engine. Corporate Action: Shareholders approved the company's NCD issuance through private placement, providing additional funding for business expansion. With strong AUM growth, improving profitability, Tata backing and diversification into gold loans, Tata Capital offers attractive long-term growth potential; however, borrowing costs, NIM pressure, credit quality and valuation remain key risks.