Tata Capital Limited: AUM grew by 3% QoQ to ₹ 2,43,896 crore as on September 30, 2025

 

  • Tata Capital Limited: AUM grew by 3% QoQ to ₹ 2,43,896 crore as on September 30, 2025 



  • CONSOLIDATED PERFORMANCE HIGHLIGHTS – Q2FY26 Including Motor Finance: 
  • ➢ Retail + SME constitutes ~88% of gross loan book. 
  • ➢ Retail unsecured forms 11.6% of gross loan book. 
  • ➢ Pan India network of 1,479 branches across 27 states and union territories. 
  • ➢ Focused on improving business metrices in Motor Finance (~10% of gross loans) before accelerating growth. 
  • ➢ AUM grew by 3% QoQ to ₹ 2,43,896 crore as on September 30, 2025 from ₹ 2,37,508 crore as on June 30, 2025. 
  • ➢ Net total income grew by 4% QoQ to ₹ 3,774 crore in Q2FY26 from ₹ 3,626 crore in Q1FY26. 
  • ➢ Annualized operating expense on average net loan book of 2.6% in Q2FY26 vs. 2.4% in Q1FY26. 
  • ➢ Cost to income ratio stood at 39.7% in Q2FY26 vs. 36.8% in Q1FY26. 
  • ➢ Annualized credit cost of 1.3% in Q2FY26 vs. 1.6% in Q1FY26. 
  • ➢ Profit after tax grew by 11% QoQ to ₹ 1,097 crore in Q2FY26 from ₹ 990 crore in Q1FY26. 
  • ➢ Annualized ROA at 1.9% in Q2FY26 vs. 1.8% in Q1FY26. 
  • ➢ Annualized ROE at 12.9% in Q2FY26 vs. 12.5% in Q1FY26. 
  • ➢ Gross stage 3 stood at 2.2% | Net stage 3 stood at 1.1% | Provision coverage ratio stood at 52.8% as of September 30, 2025. 
  • ➢ Total equity as of Sep-25 at ₹ 35,081 crore and including primary portion of IPO at ₹ 41,777 crore. 
  • ➢ Capital risk adequacy ratio stood at 17.3% as of September 30, 2025 and 21.5% including the IPO proceeds. 
  • ➢ Credit rating of “AAA with stable outlook” from each of CRISIL, ICRA, CARE and India Ratings. 
  • S&P Global Ratings upgraded the long-term rating from ‘BBB-/Positive’ to ‘BBB/Stable’ and the shortterm rating from ‘A-3’ to ‘A-2.

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