Tata Capital Limited submitted its Business Responsibility and Sustainability Report (BRSR) for FY 2025-26 to the National Stock Exchange of India Ltd. and BSE Limited on July 23, 2026. The filing, mandated under Regulation 34(2)(f) of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, provides a comprehensive overview of the company’s environmental, social, and governance (ESG) performance. The report includes an Independent Reasonable Assurance Report on core indicators provided by SGS India Private Limited, validating key data points such as greenhouse gas emissions, energy consumption, and employee well-being metrics.

The disclosures cover the consolidated operations of Tata Capital Limited and its two wholly owned subsidiaries, Tata Capital Housing Finance Limited and Tata Securities Limited. For the reporting period, the company reported a turnover of ₹31,539.89 crore and a net worth of ₹45,861.00 crore. The entity serves a customer base of 8.4 million through over 25 lending products spanning retail, SME, and corporate finance segments. The paid-up equity share capital stands at ₹4,244.87 crore.

Environmental Performance and Resource Efficiency

As a non-manufacturing financial services entity, Tata Capital’s environmental footprint is primarily driven by office operations. The company reported total energy consumption of 72,068.83 GJ for FY 2025-26, sourced entirely from non-renewable sources. This resulted in an energy intensity of 2.29 GJ/INR Crore, up from 1.88 GJ/INR Crore in the previous year. Greenhouse gas emissions included Scope 1 emissions of 1,760.72 tCO2e and Scope 2 emissions (location-based) of 13,577.67 tCO2e, yielding a total GHG emission intensity of 0.60 tCO2e/Cr of turnover.

The company disposed of 11.40 metric tonnes of e-waste and battery waste through government-registered vendors. Despite limited direct water usage, Tata Capital maintains a water-positive status through its CSR initiatives. Over the past two years, its JalAadhar project has created a cumulative water recharge and harvesting potential of more than 34,87,000 kilolitres across three sub-river basins.

Governance and Regulatory Compliance

The report highlights a settlement amount of ₹46.4 lakh paid to the Securities and Exchange Board of India (SEBI). This payment relates to suo-motu settlement applications filed under the SEBI (Settlement Proceedings) Regulations, 2018. The settlements addressed certain issuances of Non-Convertible Debentures by erstwhile Tata Capital Housing Finance Limited (now merged) and Cumulative Redeemable Preference Shares by Tata Capital Limited, which were deemed public issues in violation of the Companies Act, 2013, and SEBI Regulations. The company stated there is no material financial implication arising from these orders.

Governance oversight for sustainability matters rests with the Risk Management Committee of the Board. The company also reported zero data breaches involving personally identifiable information during the year. All pending complaints regarding principles under the National Guidelines on Responsible Business Conduct were resolved by the date of issuance.

Social Impact and CSR Initiatives

Tata Capital’s CSR initiatives positively reached 10.96 lakh beneficiaries in FY 2025-26, focusing on healthcare, education, skill development, and climate action. The company spent ₹8,16,31,303 on CSR projects across 102 aspirational districts. Key programs include Pankh Scholarships for education, Aarogyatara for healthcare, and The Green Switch for decentralized clean energy. Additionally, the company launched the ‘Sawaal Karo, Phir Loan Lo’ public awareness campaign to promote responsible borrowing behavior and financial literacy among potential borrowers.

Tata Capital Limited has allotted USD 400 million 5.332% senior notes due 2030 under its USD 2 billion medium term note programme. The notes carry a fixed coupon rate and a tenure of 3.5 years, maturing on January 21, 2030. The issuance strengthens the company's liability profile and supports its long-term growth strategy by diversifying its funding mix.

The notes are rated 'BBB' by S&P Global Ratings and are listed on India International Exchange (IFSC) Limited. The proceeds from the issuance will be utilized for onward lending and other activities in accordance with extant ECB regulations. The notes are unsecured and will be redeemed at par on the maturity date.

Key Transaction Details

The notes are issued under Regulation S of the U.S. Securities Act 1933 and are not registered under the Securities Act, meaning they are not offered for sale in the United States or to the public in India. Sarita Kamath, Chief Legal and Compliance Officer & Company Secretary, confirmed the allotment on July 21, 2026.