Tata Capital Limited has scheduled its 35th Annual General Meeting (AGM) for Wednesday, August 19, 2026, at 11:00 a.m. (IST), to be held via Video Conferencing or Other Audio Visual Means. The company issued an intimation under Regulation 30 and 51 of the SEBI Listing Obligations and Disclosure Requirements Regulations, 2015, regarding the availability of its Annual Report for FY 2025-26. This update ensures compliance with regulatory disclosure norms, specifically Regulation 36(1)(b) and 58(1)(b), facilitating shareholder participation in key corporate decisions by providing access to financial documents for those without registered email addresses.

The AGM agenda includes the adoption of audited financial statements for FY 2025-26, the declaration of a final dividend of ₹0.57 per equity share, and the re-appointment of M/s. T. P. Ostwal & Associates LLP as Joint Statutory Auditor for three years. Shareholders are advised that the record date for the final dividend is July 27, 2026, with payment scheduled on or after August 24, 2026. Remote e-voting will be open from August 15, 2026, at 9:00 a.m. (IST) until August 18, 2026, at 5:00 p.m. (IST). The Board appointed Mr. P. N. Parikh of M/s Parikh & Associates as the Scrutinizer to conduct the voting process.

Financial Performance and Strategic Milestones

FY 2025-26 was a transformative year for Tata Capital, marked by a landmark Initial Public Offering and the merger of Tata Motors Finance Limited. The company reported consolidated Net Assets Under Management (AUM) of ₹2,77,275 crore, a 20% year-on-year increase. Consolidated Total Income rose 11.32% to ₹31,582.62 crore, while Profit After Tax attributable to owners surged 32.24% to ₹4,846.10 crore. Return on Equity improved to 12.9% from 12.3% in the previous year.

The IPO, listed on October 13, 2025, raised ₹15,512 crore, making it the largest by an NBFC in India. Additionally, the Board approved the acquisition of Yogakshemam Loans Limited, subject to regulatory approvals, expanding its gold loan footprint across South India.

Key Dates for Shareholders

Subsidiary and Segment Growth

Tata Capital Housing Finance Limited saw AUM grow 29% to ₹86,653 crore. The consolidated loan book remained granular, with Retail and SME advances contributing approximately 86% of net AUM. Loan Against Property (LAP) AUM grew significantly by 36.1% to ₹38,812 crore, while Corporate Finance AUM expanded by 56.1% to ₹39,640 crore. Disbursals excluding ultra-short-term SME products grew 19% to ₹1,69,660 crore.

What the Numbers Show

The strong growth in PAT outpacing revenue growth indicates improving operational efficiency and margin expansion, supported by the scale benefits from the TMFL merger. The significant rise in LAP and Corporate Finance AUM suggests a strategic shift towards higher-yielding asset classes, balancing the decline in Commercial Vehicle Loans (-23.0%).

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.