TATA CAPITAL Quarterly Results Analysis-Q2FY2027

: Interest Earned for Q2FY27 is Rs. 8,376 Crs., 19.97% growth YoY, Net Interest Income is Rs. 3,696 Crs., 22.96% growth YoY, Total Income is Rs. 9,356 Crs., 20.74% growth YoY, Pre-Provisioning Operating Profit is Rs. 3,025 Crs., 32.89% growth YoY, PBT is Rs. 2,384 Crs., 58.2% growth YoY, Net profit is Rs. 1,832 Crs., 63.72% growth YoY. On QoQ basis Interest Earned has achieved 5.48% growth, Net Interest Income has grown by 3.5%, Total Income has grown by 6.01%, Pre-Provisioning Operating Profit has grown by 6.72%, PBT grown by 10.42%, PAT is grown also by 12.53%. For Q2FY27 Gross NPA 1.90% vs 2.2% in Q2FY26, Net NPA 0.8% vs 1.1% in Q2FY26. Return on Assets is 2.3% improved by 40 BPS YoY, Return on Equity is 14% improved by 100 BPS YoY. Consolidated AUM ₹3,08,030cr (+26% YoY, +6% QoQ); ex-Motor Finance AUM +32% YoY, +7% QoQ. Consolidated disbursements ₹51,665cr (+29% YoY). Housing Finance : strong growth, pivoting mix to protect spreads : AUM ₹95,098cr (+26% YoY, +6% QoQ). Diversified across home loans, LAP, construction finance, affordable housing.