Tata Capital Posts Strong Q1FY27 Results; Expands Retail Lending by Acquiring Yogloans

Tata Capital Posts Strong Q1FY27 Results; Expands Retail Lending by Acquiring Yogloans​

Tata Capital Limited has reported robust consolidated financial results for the quarter ended June 30, 2026, highlighted by strong growth in Assets Under Management (AUM) and Profit After Tax (PAT). The company also announced a significant strategic move to diversify its retail lending portfolio through the acquisition of Yogloans, marking entry into the gold loan business.

The results demonstrate healthy business momentum across Tata Capital's core franchises. Including Motor Finance, AUM grew by 22% year-on-year (YoY) to ₹ 2,90,502 crore. Furthermore, PAT rose sharply by 56% YoY, reaching ₹ 1,547 crore.

Commenting on the performance, Rajiv Sabharwal, Managing Director & CEO of Tata Capital, noted that asset quality trends remain encouraging, supported by prudent underwriting and healthy collection efficiencies. He stated that incorporating Motor Finance into the figures, AUM grew by 22% while headcount increased by approximately 5%, reflecting significant productivity gains achieved through technology investments and AI-led automation across operations, collections, and servicing.

Diversification and Future Strategy​

The entry into the gold loan business via the acquisition of Yogloans is described as a key step in diversifying Tata Capital's retail lending portfolio. The company plans to combine Yogloans' proven expertise with Tata Capital's financial strength, trusted brand, technology, and risk management capabilities to scale the new venture.

Consolidated Performance Highlights (Q1FY27)​

The consolidated operations saw Net Total Income grow by 23% YoY, reaching ₹ 4,455 crore from ₹ 3,626 crore in Q1FY26.

Key figures for the quarter and associated metrics are summarized below:


Retail and SME segments accounted for 85.4% of the Net AUM, while unsecured retail made up 10.3%. The company maintains a pan India network comprising 1,491 branches across 27 states and union territories.

Tata Capital Housing Finance Ltd (TCHFL) Performance​

The material subsidiary, Tata Capital Housing Finance Limited (TCHFL), reported strong results for Q1FY27. TCHFL's Assets Under Management grew by 24% YoY to ₹ 89,416 crore from ₹ 71,913 crore in the previous year.

Net total income at TCHFL increased by 25% YoY in Q1FY27 to ₹ 1,033 crore from ₹ 828 crore in Q1FY26. The Profit Before Tax grew by 29% YoY to ₹ 713 crore.

TCHFL's operational efficiency remained stable, with the Cost to Income ratio standing at 30.0% for Q1FY27 compared to 30.5% in Q1FY26. The company maintained a low credit cost, which was reported as ₹ 10 crore (annualized 0.05% of average net loan book).

TATACAP Stock Price Movement​

Today, shares of Tata Capital Limited edged higher in the markets, closing at ₹354.95 after rising 1.30%. The equity moved briskly through the session, recording a total traded volume of 2.22 million shares.