Tata Capital Ltd reported a 51 per cent year-on-year jump in consolidated net profit to Rs 1,660 crore (yaani about Rs 16.6 billion) for the second quarter of FY27 ended September 30, 2026, supported by a healthy increase in net interest income and a decline in loan loss provisions, The Hindu BusinessLine reported. The non-banking finance company had reported a net profit of Rs 1,097 crore in the same quarter a year earlier.

Source: The Hindu BusinessLine

Net interest income rose 23 per cent to Rs 3,696 crore, from Rs 3,006 crore a year earlier, while fee income rose 9 per cent to Rs 725 crore. Loan loss provisions declined 16.6 per cent to Rs 645 crore, from Rs 773 crore in the year-ago quarter.

The consolidated loan book increased 26 per cent year-on-year to Rs 3,08,030 crore (yaani about Rs 3.08 lakh crore, or Rs 3.08 trillion) as at September-end. Retail loans excluding motor finance made up 49 per cent of the book and motor finance 7.7 per cent, while the share of SME loans rose to 28.7 per cent and corporate loans to 14.6 per cent.

Managing Director and CEO Rajiv Sabharwal said the company achieved a significant milestone during the quarter, with its loan book crossing Rs 3 lakh crore, underscoring the scale, diversification and resilience of its franchise, and that it remained focused on pursuing growth in a disciplined manner, according to The Hindu BusinessLine.

Informist's earnings review put the profit rise at over 51 per cent on year, with net revenue from operations up nearly 21 per cent, and noted this was the sharpest on-year rise in Tata Capital's total income since it listed in October 2025. Its capital adequacy ratio stood at 17.3 per cent and total equity at Rs 47,778 crore.

Source: Informist Media

Rs 1,660 crQ2 net profit, up 51% YoY
Rs 3,696 crNet interest income, up 23%
Rs 3,08,030 crLoan book / AUM, up 26%
Rs 645 crLoan loss provisions, down 16.6%

Investors reacted positively on Wednesday: Tata Capital shares gained about 3 per cent in trade on October 28 after the results, Moneycontrol's market coverage via TradingView reported. The results include the performance of its material subsidiary Tata Capital Housing Finance Ltd.