Shareholders meeting

July 23, 2026 To, To, The Listing Department The Listing Department BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, Bandra Kurla Complex, Mumbai – 400001 Bandra (East), Mumbai – 400051 Scrip Code: 544574 Symbol: TATACAP Dear Sir / Madam, Sub.: Notice of the 35th Annual General Meeting (“AGM”) and Annual Report for FY 2025-26 Ref.: Tata Capital Limited (“the Company”) Pursuant to Regulations 34(1), 50, 53 read with Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the following documents, which are being sent today i.e. July 23, 2026, through electronic mode to the Shareholders and Debenture holders of the Company: a. Notice of the 35th AGM of the Company scheduled to be held on Wednesday, August 19, 2026 at 11:00 a.m. (IST) through Video Conference / Other Audio Visual Means, to transact the businesses as stated in the Notice of the AGM dated July 13, 2026. The said Notice forms part of the Annual Report for FY 2025-26. b. Annual Report (including Business Responsibility and Sustainability Report) for FY 2025-26. The aforesaid documents are also available on the Company’s website at www.tatacapital.com. This is for your information and records. Thanking you. Yours faithfully, For Tata Capital Limited Sarita Kamath Chief Legal and Compliance Officer & Company Secretary Encl.: As above CUSTOMER EVOLVED. SO HAVE THE QUESTIONS. Will I get the right loan? 2026 Will I get a faster loan? 2020 Will I get a bigger loan? 2015 Will I get a loan? 2008 ANNUAL REPORT 2025-26 Jamsetji Nusserwanji Tata 03.03.1839 – 19.05.1904 That he was a man of destiny is clear. It would seem, indeed, as if the hour of his birth, his life, his talents, his actions, the chain of events which he set in motion or influenced, and the services he rendered to his country and to his people, were all predestined as part of the greater destiny of India. JRD Tata’s thoughts about Jamsetji Tata in the Foreword to Jamsetji Nusserwanji Tata: A Chronicle of His Life by Frank Harris, second edition, 1958. COUNT ON US TOC CORUENATT EO N US TO CREATE VALUE THAT MATTERS INPUTS INPUTS The six capitals we deploy The six capitals we deploy Financial Capital Financial Capital • Total equity of ₹44,658 Cr • Total equity of ₹44,658 Cr • Borrowings of ₹2,35,977 Cr (5.3x equity) • Borrowings of ₹2,35,977 Cr (5.3x equity) • Liquidity buffer of ₹29,489 Cr • Liquidity buffer of ₹29,489 Cr PURPOSE A Responsible Financial Partner fulfilling India’s Aspirations Manufactured Capital Manufactured Capital PHYGITAL NETWORK • Pan-India branch & office infrastructure • Pan-India branch & office infrastructure Powered by a pan-India • Phygital service architecture • Phygital service architecture phygital network DIGITAL DNA / AI-FIRST AI-driven, data-led, Intellectual Capital Intellectual Capital customer-centric • Digital-first tech & data platforms • Digital-first tech & data platforms operating model • AI & analytics across the loan lifecycle • AI & analytics across the loan lifecycle TATA VALUES & • Proprietary risk frameworks & digital IP • Proprietary risk frameworks & digital IP GOVERNANCE Ethical, transparent and responsible in all we do CUSTOMER LIFECYCLE Serving the full lifecycle of needs across lending Human Capital Human Capital and non-lending • 29,816 on-roll employees • 29,816 on-roll employees • Investment in AI-readiness, capabilities • Investment in AI-readiness, capabilities & ethics & ethics Social & Relationship Capital Social & Relationship Capital • Large customer franchise & trust • Large customer franchise & trust • Deep partner, regulator & investor relations • Deep partner, regulator & investor relations • Strength of the Tata brand • Strength of the Tata brand BUILDING A BETTER FY22 FY23 Natural Capital Natural Capital 1,16,944 • Cleantech financing franchise • Cleantech financing franchise 90,337 • Climate-aligned lending capacity • Climate-aligned lenNdeintg A cUaMpa city 12,918 Net AUM & partnerships & partnerships (incl. MF) 10,307 (incl. MF) Total income 1,688 3,029 Total income Profit after tax Profit after tax (All figures as of 31 March 2026 (FY26) unless stated otherwise.) COUNT ON US TO CREATE VALUE THAT MATTERS OUTPUTS & OUTCOMES OUTPUTS & OUTCOMES Value created, across the same six capitals Value created, across the same six capitals Financial Capital Financial Capital • Net AUM: ₹2,77,275 Cr • Net AUM: ₹2,77,275 Cr • PAT: 4,846 Cr for FY26 • PAT: 4,846 Cr for FY26 • ROA 2.0% | ROE 12.9% • ROA 2.0% | ROE 12.9% • GNPA 2.0% | NNPA 0.9% • GNPA 2.0% | NNPA 0.9% PURPOSE • AAA (Domestic) & BBB (Intl.) ratings • AAA (Domestic) & BBB (Intl.) ratings A Responsible Financial Partner fulfilling India’s Aspirations PHYGITAL NETWORMKanufactured Capital Manufactured Capital Powered by a pan-In•d 1ia,4 77 branch locations across 27 states & UTs • 1,477 branch locations across 27 states & UTs phygital network • Nationwide reach bringing formal • Nationwide reach bringing formal credit closer credit closer DIGITAL DNA / AI-FIRST AI-driven, data-led, customer-centric Intellectual Capital Intellectual Capital operating model • 97% customers onboarded digitally • 97% customers onboarded digitally TATA VALUES & • 98% disbursements via rule engines • 98% disbursements via rule engines GOVERNANCE • 99% collections through digital channels • 99% collections through digital channels Ethical, transparent a•n2d+ crore documents processed by AI • 2+ crore documents processed by AI responsible in all we• do180+ digital partnerships • 180+ digital partnerships CUSTOMER LIFECYCLE • ~30% uplift in underwriting productivity • ~30% uplift in underwriting productivity Serving the full lifecycle of needs across lending Human Capital and non-lending Human Capital � 12,000+ employees enabled on AI assist � 12,000+ employees enabled on AI assist platforms platforms � 100% employees trained on ethics � 100% employees trained on ethics • Engagement, diversity & learning metrics • Engagement, diversity & learning metrics Social & Relationship Capital Social & Relationship Capital • Customer franchise of 8.4 mn (to be • Customer franchise of 8.4 mn verified) TOMORROW FOR • Retail & SME customers form ~86% of • Retail & SME customers form ~86% of Net AUM Net AUM • 3.7+ mn lives impacted through CSR FY23 FY26 FY24 �F 3 Y. 27 5+ mn lives impa Fc Yt 2e 6d through CSR � 40,000+ Pankh scholarships awarded � 40,000+ Pankh scholarships awarded ₹2,77,275 1,57,875 ₹2,77,275 Natu2r,3a0l, 4C55apital Natural Capital 31,583 18,198 � � 6 3002 08 G,+0 W0 c8 +le ra en nt ee wch a bp lr eo j ce3 a1c, p5t8s a3 cfi in tya n fic ne ad nced; � 600+ Cleantech projects financed 4,846 � ₹45,000 Cr+ Cleante4,c84h6 disbursals to date � 30 GW+ renewable capacity financed; � 2.53,+66 l5akh saplings planted under � ₹45,000 Cr+ Cleantech disbursals to date 3,150 afforestation initiatives � 2.5+ lakh saplings planted under afforestation initiatives NDEX Company Overview - 02 – 33 2 About Us 6 Our Purpose and Pillars 8 Corporate Social Responsibility Initiatives 12 Product Portfolio 14 Brand Initiatives 18 Digital Initiatives 20 Strengthening Our Core Portfolio 22 Corporate Information 24 Snapshot of Numbers 26 Awards 28 Message from the Chairman 30 Message from the Managing Director & CEO Statutory Report - 34-154 34 Board’s Report 63 Management Discussion and Analysis 74 Corporate Governance Report 100 Business Responsibility and Sustainability Report Financial Statements - 155-550 155 Standalone Financial Statements 348 Consolidated Financial Statements 548 Form AOC -1 Notice of Annual General Meeting - 551-575 551 Notice 576 Information at a Glance ABOUT Who can I trust? 2026 Who has the fastest app? 2020 Who has the most branches? 2015 Who is the biggest lender? 2008 Tata Capital hasn’t just built scale. We’ve built character. When customers look for stability, we’re alread [Showing first 8,000 characters — download PDF for full document]