Tata Capital Q1 profit rises 56% as AUM crosses ₹2.9 lakh crore
Tata Capital reported consolidated PAT of ₹1,547 crore for Q1 FY27, while AUM rose 22% year on year to ₹2.90 lakh crore. Retail and SME lending made up 85.4% of net AUM, and the company acquired Yogloans to enter the gold-loan segment.
What happened
Tata Capital reported 56% YoY Q1 profit growth and ₹2.9 lakh crore AUM, while acquiring Yogloans to enter gold loans. The Tata Group financier is expanding its
Key facts
- Consolidated PAT ₹1,547 crore, up 56% YoY
- AUM ₹2,90,502 crore, up 22% YoY
- AUM excluding motor finance ₹2,66,057 crore, up 28% YoY
- Retail and SME lending: 85.4% of net AUM
- 1,491 branches across 27 states and Union Territories
- Housing finance AUM ₹89,416 crore, up 24% YoY
Why this matters
The Yogloans acquisition gives Tata Capital an entry point into gold loans, creating a new secured-lending growth lever if integration and cross-selling are executed effectively.
What to watch
- Sequential AUM growth versus the 22% year-on-year pace.
- Net interest margin, cost-to-income ratio and return on assets after rapid loan-book expansion.
- Stage 2/Stage 3 assets, credit-cost trends and collection performance in retail and SME loans.
- Gold-loan rollout pace, loan-to-value discipline, acquisition integration costs and portfolio yields.
- Funding-cost movement, liquidity coverage and mix of bank borrowings, market debt and securitised funding.
- Accelerate Yogloans integration and introduce Tata Capital-branded gold-loan products across digital and physical channels.
- Use Tata Group customer touchpoints to cross-sell personal, business, vehicle and secured loans.
- Prioritize granular retail funding, securitisation and diversified borrowing sources to protect net interest margins.
- Maintain conservative underwriting in SME, unsecured retail and newly acquired gold-loan portfolios as growth accelerates.