Tata Capital Q1 Results: Net profit jumps 56% YoY to Rs 1,547 crore, revenue up 15%

Tata Capital on Tuesday reported a consolidated net profit of Rs 1,547 crore for the first quarter of FY27, marking more than 56% year-on-year (YoY) rise from the Rs 990 crore net profit reported in the corresponding quarter of the previous financial year.

The firm’s revenue from operations meanwhile rose over 15% YoY to Rs 8,822 crore during the April-June quarter of the ongoing financial year 2027, from Rs 7,665 crore reported in the year-ago period.

Tata Capital’s assets under management (AUM) rose 22% YoY to Rs 2.91 lakh crore. Net profit margin improved to 17.54% from 12.92% in the same period last year, although it sequentially declined from 18.41% reported in the fourth quarter of FY26. Its net worth meanwhile jumped around 42% YoY to Rs 46,261 crore in the quarter under review.


Excluding motor finance, the Tata Group company’s AUM rose 28% YoY. Its net interest income increased 25% YoY to Rs 2,866 crore, while net loan book grew 23% YoY to Rs 2.29 lakh crore during the first quarter. Cost to income ratio stood at 36.4% for Q1 FY27, as against. 36.8% in Q1 FY26.

Tata Capital’s annualized return on assets (ROA) was reported at 2.3% in the first quarter, as against 1.8% in Q1 FY26. Annualized return on equity (ROE) rose to 13.7%. Its capital adequacy ratio meanwhile stood at 18.5%.

Along with the Q1 results, Tata Capital announced its foray into the gold loan business with the acquisition of Yogloans, an RBI-registered non-banking financial company primarily engaged in the gold loan business. The Tata Group company is acquiring 88.6% stake in Yogloans through a share subscription and purchase agreement based on a pre-money equity valuation not exceeding Rs. 318 crores.

What Tata Capital's management said

Tata Capital began FY27 on a strong note, with healthy business momentum across its core franchises, said the company’s Managing Director & CEO Rajiv Sabharwal. He noted that asset quality trends continue to remain encouraging, underpinned by prudent underwriting and healthy collection efficiencies.

“Our entry into the gold loan business marks an important step in further diversifying Tata Capital’s retail lending portfolio. This business complements our existing product suite and offers significant long-term growth potential, supported by increasing customer preference for high-frequency, secured credit. Going forward, we aim to combine Yogloans’ proven expertise with Tata Capital’s trusted brand, financial strength, technology and risk management capabilities, to scale the business further,” he added.

The benefits of Tata Capital’s technology investments are increasingly visible across origination, underwriting, operations, collections and servicing, the executive said, adding that AI and digital capabilities continue to be core enablers of growth strategy.

“The macroeconomic environment remains favourable, with supportive liquidity conditions and resilient domestic demand providing a strong foundation for economic growth. While external uncertainties persist, the strength of India’s fundamentals and the continued momentum in credit demand give us confidence in our ability to grow in a prudent manner,” he further said.

Tata Capital share price

Tata Capital announced its earnings in the post market hours of Tuesday. Earlier during the day, the shares of the company closed more than 1% higher at Rs 355 apiece. The stock has overall gained more than 1% in a week.

The shares have however fallen over 2% in a month but rose over 4% in 2026 so far. The company has a market capitalisation of nearly Rs 1.51 lakh crore.

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