Tata Capital Q1 PAT jumps 56% to ₹1,547 crore as AUM rises 22%
Tata Capital reported Q1 FY27 net profit of ₹1,547 crore, with assets under management reaching ₹2.91 lakh crore. Growth in its lending book, improved asset quality and a 18.5% capital adequacy ratio strengthen its capacity to finance consumer and retail-linked demand.
What happened
Tata Capital reported Q1 FY27 PAT growth of 56% to Rs 1,547 crore and AUM growth of 22% to Rs 2.91 lakh crore. Stronger asset quality and capital position
Key facts
- PAT: Rs 1,547 crore, up 56% YoY
- AUM: Rs 2,90,502 crore, up 22% YoY
- AUM excluding Motor Finance: Rs 2,66,057 crore, up 28% YoY
- Net total income: Rs 4,455 crore, up 23% YoY
- Cost-to-income ratio: 36.4%
- Annualised credit cost: 1.0%
- Total equity: Rs 46,237 crore
- Capital risk adequacy ratio: 18.5%
- Share price: Rs 354.95, up 1.21%
Why this matters
Tata Capital’s expanding balance sheet and healthier asset quality make it a more capable financing partner for retail ecosystem alliances and embedded-credit initiatives.
What to watch
- Quarterly AUM growth versus net interest margin and cost-to-income trend.
- GNPA, NNPA, Stage 2 loans and credit-cost movement, especially in unsecured, vehicle and MSME portfolios.
- Disbursement growth in consumer durables, autos, housing and dealer finance.
- Capital adequacy trajectory, funding-cost changes and any equity-raising or IPO-related developments.
- RBI policy rates, household delinquency indicators and competitive loan-rate offers from banks and fintechs.
- Expand co-branded and embedded-finance partnerships with auto dealers, electronics chains, housing platforms and Tata group retail businesses.
- Increase cross-sell of personal loans, used-car finance, business loans and insurance to the enlarged borrower base.
- Use stronger capital and earnings to pursue selective branch, digital-distribution and dealer-network expansion.
- Maintain tighter risk-based pricing and collections investment to protect asset quality while growing unsecured and MSME exposure.