Tata Capital Limited has informed the Exchange about the Press release on the Unaudited Financial Results of the Company for the quarter and half year ended September 30, 2026.

October 27, 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.: Press Release on Unaudited Standalone and Consolidated Financial Results of the Company for the quarter and half year ended September 30, 2026 Ref.: Tata Capital Limited (“Company”) Please find enclosed herewith the Press Release on the Unaudited Standalone and Consolidated Financial Results of the Company for the quarter and half year ended September 30, 2026, which were approved by the Board of Directors at its meeting held today i.e. October 27, 2026. We request you to take the above on record. Thanking you, Yours faithfully, For Tata Capital Limited Sarita Kamath Chief Legal and Compliance Officer & Company Secretary Encl.: as above PRESS RELEASE Financial Results for Q2FY27 Loan Book Crossed ₹3 Trillion Milestone AUM up 26% YoY (at ₹ 3,08,030 crore) Q2FY27 PAT up 51% YoY (at ₹ 1,660 crore) Mumbai, October 27, 2026: A meeting of the Board of Directors of Tata Capital Limited (TCL) was held today to consider and approve the unaudited consolidated financial results for the quarter and half year ended September 30, 2026. Commenting on the performance, Mr. Rajiv Sabharwal, Managing Director & CEO, Tata Capital said: “We achieved a significant milestone during the quarter, with our loan book crossing ₹3 trillion, underscoring the scale, diversification and resilience of our franchise. Our AUM stood at ₹3,08,030 crore, up 26% year-on-year, while PAT grew 51% year-on-year to ₹1,660 crore. Excluding Motor Finance, AUM grew 32% year-on-year. Asset quality remained stable, reflecting our continued focus on portfolio quality, prudent underwriting and effective collections.” “Artificial intelligence remains a core strategic priority for the organization. During the quarter, we continued to scale AI-led capabilities across onboarding, operations, underwriting, servicing and collections. More than 70% of retail applications are now processed through AI, while AI-assisted underwriting has been adopted across 95%+ of Personal Loan and Business Loan cases, improving processing turnaround time by over 39% and enhancing underwriting productivity. Our AI-powered operations platform has achieved adoption across over 95% of Business Loan, Two-Wheeler and Micro Finance workflows, delivering meaningful gains in productivity, turnaround time and operating efficiency. In customer servicing and collections, AI agents now handle a significant share of customer interactions and early-bucket collections, enabling faster response times, wider customer reach and lower servicing cost. These capabilities are helping us enhance customer experience and build a more scalable growth platform for the future.” On the macroeconomic environment, he added, “While global uncertainties and evolving market conditions warrant continued vigilance, India’s strong economic fundamentals, structural growth drivers, and rising credit penetration continue to create significant long-term opportunities. We remain focused on pursuing growth in a disciplined manner, while maintaining strong risk management and balance sheet resilience.” CONSOLIDATED PERFORMANCE HIGHLIGHTS – Q2FY27 ➢ Retail + SME constitutes 85.4% of Net AUM. ➢ High-margin retail forms ~25% of Net AUM. ➢ Pan India network of 1,515 branches across 26 states and union territories. ➢ AUM grew by 26% YoY to ₹ 3,08,030 crore as on September 30, 2026, from ₹ 2,43,896 crore as on September 30, 2025. Excluding Motor Finance, AUM grew by 32% YoY. ➢ Net total income grew by 24% YoY to ₹ 4,676 crore in Q2FY27 from ₹ 3,774 crore in Q2FY26. ➢ Annualized opex on average net loan book of 2.3% in Q2FY27 vs. 2.6% in Q2FY26. ➢ Cost to income ratio stood at 35.3% in Q2FY27 vs. 39.7% in Q2FY26. ➢ Annualized credit cost of 0.9% in Q2FY27 vs. 1.3% in Q2FY26. ➢ PAT grew by 51% YoY to ₹ 1,660 crore in Q2FY27 from ₹ 1,097 crore in Q2FY26. ➢ Annualized ROA at 2.3% in Q2FY27 vs. 1.9% in Q2FY26. Excluding Motor Finance, annualized ROA at 2.5% in Q2FY27 vs. 2.2% in Q2FY26. ➢ Annualized ROE at 14.0% in Q2FY27 vs. 13.0% in Q2FY26. ➢ GS3 at 1.9% | NS3 at 0.8% | PCR at 58.6% as of September 30, 2026. ➢ Total equity at ₹ 47,778 crore, as of September 30, 2026. ➢ Capital risk adequacy ratio stood at 17.3% as of September 30, 2026. Particulars; ₹ crores Q2FY26 Q1FY27 Q2FY27 YoY % H1FY26 H1FY27 YoY % FY26 Assets under management (net) 2,43,896 2,90,502 3,08,030 26% 2,43,896 3,08,030 26% 2,77,275 Gross loan book 2,39,960 2,86,381 3,03,739 27% 2,39,960 3,03,739 27% 2,73,392 Net loan book 2,34,991 2,81,083 2,98,217 27% 2,34,991 2,98,217 27% 2,68,203 Net interest income 3,006 3,571 3,696 23% 5,872 7,267 24% 12,667 Fee income 663 692 725 9% 1,239 1,417 14% 2,608 Investment income 105 193 255 143% 289 447 55% 323 Net total income 3,774 4,455 4,676 24% 7,400 9,132 23% 15,597 Operating expense 1,497 1,621 1,651 10% 2,832 3,271 16% 5,973 Pre-provisioning operating profit 2,277 2,835 3,025 33% 4,568 5,860 28% 9,624 Loan losses and provisions 773 676 645 (17)% 1,682 1,321 (21)% 3,023 Profit before tax 1,504 2,159 2,380 58% 2,886 4,539 57% 6,602 PAT (excl. non-recurring) 1,097 1,547 1,660 51% 2,087 3,207 54% 4,879 Non-recurring items(1) - - - ~ - - ~ (33) PAT (attributable to owners) 1,097 1,547 1,660 51% 2,087 3,207 54% 4,846 (1) Reflects impact of new labour codes. Material Subsidiary - Tata Capital Housing Finance Ltd. (TCHFL) Q2FY27 Performance ➢ 100% wholly owned housing finance company ➢ Assets under management grew by 26% YoY to ₹ 95,098 crore as of September 30, 2026 from ₹ 75,636 crore as of September 30, 2025. ➢ Net total income increased by 21% YoY in Q2FY27 to ₹ 1,089 crore from ₹ 898 crore in Q2FY26. ➢ Cost to income ratio was 30.0% for Q2FY27 vs. 32.9% in Q2FY26. ➢ Annualized credit cost of 0.1% in Q2FY27. ➢ Profit before tax increased by 26% YoY in Q2FY27 to ₹ 741 crore from ₹ 590 crore in Q2FY26. ➢ PAT increased by 26% YoY in Q2FY27 to ₹ 552 crore from ₹ 440 crore in Q2FY26. ➢ Annualized ROA at 2.5% in Q2FY27 vs. 2.4% in Q2FY26. ➢ Annualized ROE at 18.0% in Q2FY27 vs. 18.5% in Q2FY26. ➢ GS3 at 0.7% | NS3 at 0.3% | PCR at 57.3% as of September 30, 2026. ➢ Capital adequacy ratio as of September 30, 2026 was 17.6%. Particulars; ₹ crores Q2FY26 Q1FY27 Q2FY27 YoY % H1FY26 H1FY27 YoY % FY26 Assets under management (net) 75,636 89,416 95,098 26% 75,636 95,098 26% 86,653 Gross loan book 74,350 86,743 91,181 23% 74,350 91,181 23% 84,439 Net loan book 73,774 86,145 90,574 23% 73,774 90,574 23% 83,808 Net interest income 696 843 852 22% 1,370 1,695 24% 2,956 Fee income 178 180 232 30% 312 413 32% 657 Investment income 24 10 5 ~ 44 15 ~ 63 Net total income 898 1,033 1,089 21% 1,726 2,123 23% 3,676 Operating expense 295 310 327 11% 548 638 16% 1,144 Pre-provisioning operating profit 603 723 762 26% 1,178 1,485 26% 2,533 Loan losses and provisions 13 10 21 62% 36 31 (15)% 76 Profit before tax 590 713 741 26% 1,142 1,454 27% 2,457 PAT (excl. non-recurring) 440 532 552 26% 852 1,084 27% 1,842 Non-recurring items(1) - - - ~ - - ~ (6) PAT (attributable to owners) 440 532 552 26% 852 1,084 27% 1,836 (1) Reflects impact of new labour codes. About Tata Capital Tata Capital Limited (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons Private Limited. Tata Capital is a listed company and registered with the Reserve Bank of India (RBI) as a Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) and has been categorized as an Upper Layer NBFC under the RBI’s Scale Based Regulatory Framework. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance Limited (TCHFL), which is registered with the National Housing Bank (NHB) as a Housing Finance Company (HFC) and is classified as a Middl [Showing first 8,000 characters — download PDF for full document]