Tata Capital Limited has released the audio recording of its media briefing and earnings conference call with analysts and investors, which took place on July 28, 2026. The sessions discussed the company’s unaudited standalone and consolidated financial results for the quarter ended June 30, 2026 (Q1FY27). The recording is now accessible to stakeholders via the company’s official website, ensuring transparency and ease of access for those who could not attend the live event.

The disclosure was made pursuant to Regulations 30 and 46 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. Sarita Kamath, Chief Legal and Compliance Officer & Company Secretary at Tata Capital Limited, signed the communication addressed to the Listing Departments of BSE Limited and National Stock Exchange of India Ltd. The filing confirms that the audio file is hosted at https://www.tatacapital.com/about-us/investor-information-and-financials.html .

Event Details

The original schedule included a media briefing at 5:30 PM IST, followed by an earnings call for analysts and investors at 6:30 PM IST. The teleconference was moderated by Raghav Garg from Institutional Equities, Ambit Capital. Key management representatives participating in the discussion included:

• Rajiv Sabharwal, MD and CEO
• Rakesh Bhatia, CFO
• Sandeep Tripathy, Head of Strategy and Investor Relations

Access Information

While the live event has concluded, the recorded session serves as a permanent reference for investors. Previously, participants were advised to use Diamond Pass for direct access to avoid wait times during the live broadcast. The contact numbers used for the live call were:

Regulatory Compliance

Tata Capital Limited emphasized its adherence to regulatory norms by explicitly citing Regulation 30 (continuous disclosure obligations) and Regulation 46 (fair disclosure) of the SEBI LODR Regulations, 2015. The company noted that any forward-looking statements made during the call are subject to inherent risks and uncertainties. This step ensures that all market participants have equal access to the information shared during the earnings discussion.

Tata Capital Limited reported a robust start to FY27, with standalone net profit surging 76% year-on-year to ₹999.44 crore for the quarter ended June 30, 2026 (Q1FY27). The sharp improvement was primarily driven by a significant decline in impairment charges and growth in interest income, signaling strengthening asset quality and operational efficiency. Consolidated net profit rose 56.5% to ₹1,628.18 crore. Alongside the financial results, the Board of Directors re-appointed Sarita Kamath as Chief Compliance Officer for a three-year term effective October 1, 2026.

The results were approved at the Board meeting held on July 28, 2026, and subjected to a limited review by joint statutory auditors M/s. M S K A & Associates LLP and M/s. M P Chitale & Co., who issued unmodified conclusions. The company also disclosed that it has utilised ₹6,815.06 crore of its IPO proceeds raised in October 2025, with no deviation from the stated objects of the issue.

Standalone Financial Performance

On a standalone basis, total income grew to ₹6,336.96 crore in Q1FY27 from ₹5,600.26 crore in Q1FY26. Interest income, the primary revenue driver, increased to ₹5,739.03 crore from ₹5,057.55 crore year-on-year. While finance costs rose to ₹3,017.36 crore from ₹2,871.37 crore, impairment on financial instruments declined significantly to ₹669.15 crore from ₹886.84 crore, contributing to the bottom-line expansion. Net profit margin improved to 15.78% from 10.19% in the corresponding quarter of the previous year.

(* Not annualised)

Asset Quality and Key Ratios

Asset quality metrics showed notable improvement on a year-on-year basis. Gross non-performing assets (NPA) declined to 2.45% as of June 30, 2026, from 2.62% as of June 30, 2025. Net NPA improved to 1.07% from 1.24% over the same period. The provision coverage ratio strengthened to 56.99% from 53.44%. The debt equity ratio stood at 4.32 times, down from 5.32 times a year earlier, reflecting a healthier capital structure.

Consolidated Results and Strategic Updates

Consolidated total income reached ₹8,825.38 crore, up from ₹7,691.65 crore in Q1FY26. Consolidated net profit stood at ₹1,628.18 crore, compared to ₹1,040.93 crore in the prior year quarter. Profit attributable to owners of the company was ₹1,547.38 crore.

In strategic developments, the Board had previously approved the acquisition of Yogakshemam Loans Limited ("Yogloans") on July 13, 2026. Tata Capital aims to acquire approximately 88.6% of Yogloans' share capital based on a pre-money equity valuation not exceeding ₹318 crores, subject to regulatory approvals. Upon completion, Yogloans will become a subsidiary, expanding Tata Capital's footprint in the gold loan segment.

Governance and Compliance

The Board re-appointed Ms. Sarita Kamath as Chief Compliance Officer (CCO) for a further period of 3 years, effective October 1, 2026. This appointment follows recommendations from the Nomination and Remuneration Committee and the Audit Committee, in compliance with the Reserve Bank of India circular dated April 11, 2022, on 'Compliance Function and Role of Chief Compliance Officer (CCO) – NBFCs'. Ms. Kamath has been associated with the company since June 1, 2009.

Source: https://lodr-files.dhan.co/lodr-inputs/Company/INE976I01016/29b04926-7a51-47f2-be47-b905721ec8d9.pdf