Investor Presentation

July 28, 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.: Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2026 Ref.: Tata Capital Limited (“Company”) Pursuant to the Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time, and further to our letter dated July 22, 2026, informing about the Earnings Conference call scheduled on July 28, 2026 at 6:30 p.m. IST in respect of the Unaudited Standalone and Consolidated Financial Results of the Company for the quarter ended June 30, 2026, please find enclosed the presentation for the said Earnings Conference call. The said presentation is also being made available on the website of the Company at https://www.tatacapital.com/about-us/investor-information-and-financials.html. 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 /Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_04/4485076-001_Tata Capital_Avinash Anand_Cover and dividers Q1FY27 Investor Presentation 28 July 2026 Disclaimer COLOR PALETTE Text This presentation is being furnished solely for your information and may not be reproduced or redistributed to any other person or used without the express consent of Tata Capital Ltd. (“Company”). 50 56 62 The term “Company” shall include its subsidiaries unless repugnant to the context. Accent bar This presentation has been prepared by the Company to provide general information on the Company and does not purport to contain all the information. Forward-looking statements contained 25 97 172 herein regarding past trends or activities or future business plans, strategy, financial condition, growth prospects or developments in industry, competitive or regulatory environment should not be taken as a representation that such trends or activities will continue in the future. There is no obligation to update or revise any forward-looking statements. Actual results may differ materially from ACCENT these forward-looking statements due to a number of factors. 1 25 146 97 191 Bullets 172 239 This presentation does not constitute a prospectus, offering circular or offering memorandum or an offer to acquire any securities or instruments and nothing in this presentation should be construed as advice or solicitation to invest in the Company or any of its instruments or securities or otherwise. 221 248 2 220 248 Neither the Company nor any of its affiliates, shareholders, directors, employees, agents or representatives makes any warranty or representation as to the completeness of the information contained 14 152 herein (including statements of opinion and expectation) or as to the reasonableness of any assumptions contained herein and shall not be liable for any loss or damage (direct or indirect) suffered as 177 224 a result of reliance upon any statements contained in, or any omission here-from. 3 177 224 177 224 By viewing this presentation or by accepting any copy of the slides presented, you agree to be bound by the foregoing terms. 91 189 4 155 215 213 238 112 197 5 173 224 71 180 126 203 6 215 239 247 252 25 146 Hyperlink 97 191 172 239 221 248 Followed 220 248 Hyperlink 14 152 TABL Lines 56 Highlights 97 Executive Summary – Q1FY27 Performance Update (1/3) COLOR PALETTE Text Key Figures Q1FY27 Performance 50 56 62 Accent bar • 22% YoY growth in consolidated Net AUM | Excl. Motor Finance 28% YoY growth 25 97 172 ₹ 2,90,502 Cr ₹ 1,547 Cr ACCENT • 56% YoY growth in PAT (₹ 1,547 Cr) S AUM PAT 1 25 146 97 191 Bullets 172 239 22.3% YoY 56.3% YoY • Annualized Credit Cost at 1.0% (vs 1.6% in Q1FY26, 0.9% in Q4FY26) 221 248 4.8% QoQ 3.0% QoQ 2 220 248 • GNPA at 1.9% in Q1FY27 (vs. 2.1% in Q1FY26 and 2.0% in Q4FY26) 14 152 177 224 3 177 224 • NNPA at 0.8% in Q1FY27 (vs. 1.0% in Q1FY26 and 0.9% in Q4FY26) 177 224 91 189 • Annualized ROA 2.3% (vs. 1.8% in Q1FY26) | Excl. Motor Finance 2.5% ROA 4 155 215 36.4% 2.4% 213 238 Cost to income Cost to avg assets • Annualized ROE 13.7% (vs. 12.5% in Q1FY26) 112 197 5 173 224 71 180 Q1FY26 36.8% Q1FY26 2.4% 126 203 Q4FY26 38.3% Q4FY26 2.5% Tata Capital’s entry into Gold Loan 6 215 239 247 252 • Tata Capital announced acquisition of Yogakshemam Loans Limited ("Yogloans"). 25 146 Hyperlink 97 191 The acquisition marks entry into the gold loan business, a secured lending segment 172 239 221 248 Followed 1.0% 2.3% 220 248 • Yogloans operates through a network of over 160 branches in southern India and has Hyperlink 14 152 Credit Cost RoA AUM of over ₹700 Cr as of March 31, 2026 TABL 50 Q1FY26 1.6% Q1FY26 1.8% Lines 56 • Completion of the transaction is subject to satisfaction of customary conditions and 62 Q4FY26 0.9% Q4FY26 2.3% receipt of necessary approvals from relevant authorities Highlights 97 Executive Summary – Q1FY27 Performance Update (2/3) COLOR PALETTE Text 50 56 62 Scale Accent bar 25 97 172 ⚫ AUM at ₹ 2,90,502cr (up 22% YoY | up 5% QoQ). Excluding Motor Finance, AUM at ₹ 2,66,057cr (up 28% YoY | up 6% QoQ) ACCENT S ⚫ Net AUM addition in Q1FY27 ₹ 13,227cr QoQ 1 25 146 97 191 Bullets 172 239 ⚫ Retail + SME constitute 85.4% of Net AUM 221 248 2 220 248 14 152 ⚫ Unsecured Retail loans form 10.3% of Net AUM 177 224 3 177 224 177 224 91 189 Profitability 4 155 215 213 238 ⚫ PAT for Q1FY27 ₹ 1,547cr (up 56% YoY | up 3% QoQ) 112 197 5 173 224 71 180 ⚫ Annualized ROA for Q1FY27 at 2.3% (vs. 1.8% in Q1FY26). Excluding Motor Finance, ROA at 2.5% (vs. 2.1% in Q1FY26) 126 203 6 215 239 247 252 ⚫ Annualized ROE for Q1FY27 at 13.7% (vs. 12.5% in Q1FY26) 25 146 Hyperlink 97 191 172 239 221 248 Asset quality Followed 220 248 Hyperlink 14 152 TABL ⚫ Annualized credit cost at 1.0% in Q1FY27 (vs 1.6% in Q1FY26, 0.9% in Q4FY26) Lines 56 ⚫ GNPA at 1.9% in Q1FY27 (vs. 2.1% in Q1FY26 and 2.0% in Q4FY26) 25 ⚫ NNPA at 0.8% in Q1FY27 (vs. 1.0% in Q1FY26 and 0.9% in Q4FY26) Highlights 97 Executive Summary – Q1FY27 Performance Update (3/3) COLOR PALETTE Text 50 56 62 Operating efficiency Accent bar 25 97 172 ⚫ Net interest income at ₹ 3,571cr (up 25% YoY) ACCENT ⚫ Cost to average assets remained flat at 2.4% (vs. Q1FY26). Cost to income ratio at 36.4% (vs. 36.8% in Q1FY26) 1 25 146 Bullets 1 9 77 2 1 29 31 9 ⚫ On-roll employees count stood at 30,170. Manpower grew at 5% YoY vs AUM growth of 22% YoY 221 248 2 220 248 14 152 177 224 3 177 224 Distribution 177 224 91 189 ⚫ 1,491 branch locations across 27 states and union territories 4 155 215 213 238 112 197 ⚫ Combining physical presence with end-to-end digital capabilities, providing Phygital network 5 173 224 71 180 ⚫ As of Jun-26, our customer franchise stood at 8.8mn 126 203 6 215 239 247 252 25 146 Hyperlink 97 191 Liability and Networth 172 239 221 248 Followed 220 248 ⚫ Total equity as of Jun-26 at ₹ 46,237cr Hyperlink 14 152 TABL ⚫ Total Borrowings as of Jun-26 at ₹ 2,45,487cr. Total Borrowings to Total Equity ratio at 5.3x Lines 56 62 ⚫ In Q1FY27, Average Cost of Borrowings was at 7.3% (7.1% in Q4FY26) Highlights 97 ⚫ Liquidity buffer of ₹ 29,039cr as of Jun-26 on consolidated basis /Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_05/4524828-001_Avinash Anand_Section Dividers Company Overview About Tata Capital COLOR PALETTE Text 50 56 62 Group Tata Capital is an upper layer NBFC with a 100% owned housing Accent bar finance subsidiary 25 97 172 85.4% ACCENT ~₹ 2.9tn Net AUM as of Jun 30, 2026 Tata Sons: 78.8% 1 25 146 Retail & SME form 85.4% of Net AUM 97 191 Bullets 172 239 221 248 2 220 248 14 152 177 224 3 177 224 Non-lending businesses 177 224 91 189 4 155 215 213 238 100% 100% 100% 112 197 Di [Showing first 8,000 characters — download PDF for full document]