Tata Capital (TATACAP) investor relations material

Company overview

• Operates as a leading upper-layer NBFC with a $29.3bn net AUM as of March 2026, focusing on retail and SME segments, which comprise 86% of the portfolio.

• Completed a merger with Tata Motors Finance Limited in May 2025, further strengthening its market position.

• Backed by Tata Group, with Tata Sons holding a significant stake, and operates multiple subsidiaries in housing finance, securities, and wealth management.

• Maintains a highly experienced board and management team, emphasizing strong governance and leadership diversity.

Business model and distribution

• Employs an omni-channel "phygital" model with 1,477 branches across 27 states and UTs, supported by a large in-house sales team and digital platforms.

• Offers a comprehensive suite of over 25 lending products, with retail, SME, and corporate segments contributing 58.3%, 27.4%, and 14.3% of net AUM, respectively.

• TCHFL is among the largest housing finance companies with a strong return profile.

Financial performance

• Net AUM grew from $24.3bn in March 2025 to $29.3bn in March 2026, a 20% YoY increase.

• Profit after tax rose 32% YoY to $512mn in FY26, with return on equity at 12.9% and return on assets at 2.0%.

• Maintains a cost-to-income ratio of 38.3% and a credit cost of 1.2% for FY26.