TATA CAPITAL Results Analysis-Q1FY27
$TATACAP Interest Earned for Q1FY27 is Rs. 7,941 Crs., 14.56% growth YoY, Net Interest Income is Rs. 3,571 Crs., 24.59% growth YoY, Total Income is Rs. 8,825 Crs., 14.74% growth YoY, Pre-Provisioning Operating Profit is Rs. 2,835 Crs., 23.72% growth YoY, PBT is Rs. 2,159 Crs., 56.21% growth YoY, Net profit is Rs. 1,629 Crs., 56.42% growth YoY. On QoQ basis Interest Earned is up by 5.96%, Net Interest Income is up by 2.69%, Total Income is up by 8.12%, Pre-Provisioning Operating Profit is up by 10.75%, PBT is up by 9.13%, PAT is also up by 11.04%. For Q1FY27 Gross NPA 1.9% vs 2.1% in Q1FY26, For Net NPA 0.8% vs 1% in Q1FY26. Return on Assets is 2.3% improved by 50 BPS YoY, Return on Equity is 13.7% improved by 120 BPS YoY. Total Loan AUM is Rs. 2,90,502 Cr. as on 30th June, 2026, 22.31% Growth YoY. Two newsworthy strategic developments: 1) Proposed acquisition of Yogloans → formal entry into gold loans, important step in further diversifying. 2) USD bond issue expands funding diversification, strengthening access to global markets AUM growth FY27: management reaffirmed 23–25% and said they are on track, NIM/margins: expects ~10 bps margin improvement during FY27.

















