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Tata Capital Surpasses ₹3 Trillion Loan Milestone
27 Oct
Summary
- Loan book crossed the ₹3 trillion mark, signaling substantial expansion.
- Net profit surged 51.32% year-on-year to ₹1,660 crore in Q2 FY2027.
- Artificial intelligence integration significantly boosts operational efficiency.
Tata Capital has achieved a significant financial milestone, with its loan portfolio now exceeding ₹3 trillion. This achievement was reported alongside a substantial 51.32% year-on-year increase in consolidated net profit, which reached ₹1,660 crore for the second quarter of FY2027.
The non-banking financial company's assets under management (AUM) saw a 26% year-on-year growth, standing at ₹3,08,030 crore as of September 30, 2026. Retail and small and medium enterprise (SME) lending constitute a significant 85.4% of the net AUM.
Strategic integration of artificial intelligence continues to be a core focus, with AI-led capabilities scaled across onboarding, operations, underwriting, and collections. Over 70% of retail applications are now processed through AI, and AI-assisted underwriting has been adopted for over 95% of Personal and Business Loan cases.
Looking ahead, Tata Capital plans to fund its upcoming debt expansion by increasing its medium-term note (MTN) programme to $3 billion from $2 billion. This move will allow the company to issue foreign currency bonds, subject to market conditions and necessary approvals.
