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Tata Capital Limited Q2 FY27 results press release summary

NSE: TATACAP · BSE: 544574

Results press release of 27 Oct 2026, summarised by AI from the filing.

Tata Capital's AUM crossed ₹3 trillion at ₹3,08,030 crore, up 26% YoY, with Q2FY27 PAT up 51% YoY to ₹1,660 crore.

Key takeaways

  1. Loan book AUM crossed ₹3 trillion, at ₹3,08,030 cr as on September 30, 2026, up 26% YoY from ₹2,43,896 cr.
  2. PAT ₹1,660 cr in Q2FY27, up 51% YoY from ₹1,097 cr in Q2FY26.
  3. Cost to income 35.3% in Q2FY27 vs. 39.7% in Q2FY26, with annualized opex on average net loan book at 2.3% vs. 2.6%.
  4. AI adoption More than 70% of retail applications processed through AI; AI-assisted underwriting across 95%+ of Personal Loan and Business Loan cases.

Original filing on BSE

Tata Capital Limited Q2 FY27 results

As filed: Revenue ₹9,342 cr (+21% year on year), EBITDA ₹7,212 cr (+29% year on year), PAT ₹1,832 cr (+64% year on year), EBITDA margin 77.2% (+478 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: Revenue ₹8,822 cr, EBITDA ₹6,679 cr, PAT ₹1,628 cr, EBITDA margin 75.7%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹8,822 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: +5.9% in 30 days (Nifty 500: +1.6%).
  • Q4 FY26: Revenue ₹8,160 cr, EBITDA ₹6,134 cr, PAT ₹1,466 cr, EBITDA margin 75.2%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹8,160 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: −12.0% in 29 days (Nifty 500: −0.7%).
  • Q3 FY26: Revenue ₹7,975 cr, EBITDA ₹5,804 cr, PAT ₹1,265 cr, EBITDA margin 72.8%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹7,975 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: −0.1% in 30 days (Nifty 500: +1.2%).
  • Q2 FY26: Revenue ₹7,737 cr, EBITDA ₹5,603 cr, PAT ₹1,119 cr, EBITDA margin 72.4%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹7,737 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: −1.9% in 30 days (Nifty 500: +0.6%).

Past price moves after results do not indicate future moves. Not a recommendation.

Tata Capital Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.