Tata Capital Share Price Up Over 3%; Loan Book Crosses ₹3 Trillion in Q2FY27

Tata Capital Limited reported a net profit of ₹1,660 crore for the quarter ended September 30, 2026, up 51% from ₹1,097 crore in the same quarter last year. The results were announced in an exchange filing dated October 27, 2026. 

Its assets under management (AUM) rose 26% year-on-year to ₹3,08,030 crore from ₹2,43,896 crore. The company’s loan book crossed ₹3 trillion during the quarter. Excluding motor finance, AUM grew 32%. 

Income and Earnings 

Net total income increased 24% to ₹4,676 crore in Q2FY27 from ₹3,774 crore a year earlier. Net interest income rose 23% to ₹3,696 crore, while fee income increased 9% to ₹725 crore. 

Pre-provisioning operating profit grew 33% to ₹3,025 crore from ₹2,277 crore. Profit before tax stood at ₹2,380 crore, compared with ₹1,504 crore in Q2FY26, marking a 58% increase. Operating expenses rose 10% to ₹1,651 crore from ₹1,497 crore. 

Credit Costs and Asset Quality 

Annualised credit cost fell to 0.9% in Q2FY27 from 1.3% in the corresponding quarter last year. Gross stage-three assets accounted for 1.9% of the loan book, down from 2.2% in Q2FY26. Net stage-three assets stood at 0.8%, compared with 1.1% a year earlier. 

The cost-to-income ratio declined to 35.3% from 39.7%. Annualised return on assets increased to 2.3% from 1.9%, while return on equity rose to 14% from 13% year-on-year. 

Retail Lending and Artificial Intelligence 

Retail and small and medium enterprise (SME) loans accounted for 85.4% of net AUM as of September 30, 2026. Tata Capital operated 1,515 branches across 26 states and union territories. 

The company reported that AI processed more than 70% of retail applications. AI-assisted underwriting covered over 95% of personal and business loan cases, reducing processing turnaround time by more than 39%. 

First-Half Results 

For the first half of FY27, net profit rose 54% year-on-year to ₹3,207 crore, while net total income increased 23% to ₹9,132 crore. 

Read More: Indoco Remedies Share Price in Focus; Reports 7.4% Revenue Growth in Q2FY27! 

Tata Capital Share Price Performance  

As of October 28, 2026, 12:15 pm, Tata Capital share price was trading at ₹310.70, a 3.41% increase from the previous closing price. 

Conclusion  

For Q2FY27, Tata Capital reported higher net profit and income, alongside lower credit costs. Its assets under management reached ₹3,08,030 crore as of September 30, 2026. 

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