Press Release

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.: Press Release on Unaudited Standalone and Consolidated Financial Results of the Company for the quarter ended June 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 ended June 30, 2026, which were approved by the Board of Directors at its meeting held today i.e. July 28, 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 Q1FY27 Consolidated: AUM at ₹ 2,90,502cr (up 22% YoY) | PAT of ₹ 1,547cr (up 56% YoY) Ex-Motor Finance: AUM at ₹ 2,66,057cr (up 28% YoY) Tata Capital Forays into Gold Loan Business through Acquisition of Yogloans1 Mumbai, July 28, 2026: A meeting of the Board of Directors of Tata Capital Limited (TCL) was held today to consider and approve the audited consolidated financial results for the quarter ended June 30, 2026. Commenting on the performance, Mr. Rajiv Sabharwal, Managing Director & CEO, Tata Capital said: “We commenced FY27 on a strong note, with healthy business momentum across our core franchises. Excluding Motor Finance, AUM grew 28% year on year to ₹2,66,057 crore. Including Motor Finance, we achieved AUM growth of 22% year-on-year and PAT growth of 56% to ₹1,547 crore. Asset quality trends continue to remain encouraging, underpinned by prudent underwriting and healthy collection efficiencies.” “Our entry into the gold loan business marks an important step in further diversifying Tata Capital’s retail lending portfolio. This business complements our existing product suite and offers significant long-term growth potential, supported by increasing customer preference for high-frequency, secured credit. Going forward, we aim to combine Yogloans’ proven expertise with Tata Capital’s trusted brand, financial strength, technology and risk management capabilities, to scale the business further.” “Artificial intelligence and digital capabilities continue to be core enablers of our growth strategy. The benefits of our technology investments are increasingly visible across origination, underwriting, operations, collections and servicing. Including Motor Finance, our AUM grew by 22% year-on-year, while headcount increased by only ~5%, reflecting significant productivity gains across the organization. While we continue to invest in customer-facing and sales roles to support growth, AI- led automation is helping optimize operations and drive efficiency across the broader value chain.” “The macroeconomic environment remains favourable, with supportive liquidity conditions and resilient domestic demand providing a strong foundation for economic growth. While external uncertainties persist, the strength of India’s fundamentals and the continued momentum in credit demand give us confidence in our ability to grow in a prudent manner.” (1) Completion of the transaction is subject to satisfaction of customary conditions and receipt of necessary approvals from relevant authorities. 1 CONSOLIDATED PERFORMANCE HIGHLIGHTS – Q1FY27: ➢ Retail + SME constitutes 85.4% of Net AUM. ➢ Unsecured retail forms 10.3% of Net AUM. Disbursements continue to show uptick. ➢ Pan India network of 1,491 branches across 27 states and union territories. ➢ AUM grew by 22% YoY to ₹ 2,90,502 crore as on June 30, 2026, from ₹ 2,37,508 crore as on June 30, 2025. Excluding Motor Finance, AUM grew by 28% YoY. ➢ Net total income grew by 23% YoY to ₹ 4,455 crore in Q1FY27 from ₹ 3,626 crore in Q1FY26. ➢ Annualized opex on average net loan book of 2.4% in Q1FY27 vs. 2.4% in Q1FY26. ➢ Cost to income ratio stood at 36.4% in Q1FY27 vs. 36.8% in Q1FY26. ➢ Annualized credit cost of 1.0% in Q1FY27 vs. 1.6% in Q1FY26. ➢ PAT grew by 56% YoY to ₹ 1,547 crore in Q1FY27 from ₹ 990 crore in Q1FY26. ➢ Annualized ROA at 2.3% in Q1FY27 vs. 1.8% in Q1FY26. Excluding Motor Finance, annualized ROA at 2.5% in Q1FY27 vs. 2.1% in Q1FY26. ➢ Annualized ROE at 13.7% in Q1FY27 vs. 12.5% in Q1FY26. ➢ GS3 at 1.9% | NS3 at 0.8% | PCR at 56.9% as of June 30, 2026. ➢ Total equity at ₹ 46,237 crore, as of June 30, 2026. ➢ Capital risk adequacy ratio stood at 18.5% as of June 30, 2026. Particulars; ₹ crores Q1FY26 Q4FY26 Q1FY27 YoY % FY25 FY26 YoY % Assets under management (net) 2,37,508 2,77,275 2,90,502 22% 2,30,455 2,77,275 20% Gross loan book 2,33,399 2,73,392 2,86,381 23% 2,26,553 2,73,392 21% Net loan book 2,28,579 2,68,203 2,81,083 23% 2,21,950 2,68,203 21% Net interest income 2,866 3,477 3,571 25% 10,694 12,667 18% Fee income 576 701 692 20% 1,980 2,608 32% Investment income 184 (32) 193 5% 304 323 6% Net total income 3,626 4,146 4,455 23% 12,978 15,597 20% Operating expense 1,335 1,586 1,621 21% 5,404 5,973 11% Pre-provisioning operating profit 2,291 2,560 2,835 24% 7,574 9,624 27% Loan losses and provisions 909 582 676 (26)% 2,806 3,023 8% Profit before tax 1,383 1,978 2,158 56% 4,768 6,602 38% PAT (excl. non-recurring) 990 1,502 1,547 56% 3,542 4,879 38% Non-recurring items(1) - - - ~ 123 (33) ~ PAT (attributable to owners) 990 1,502 1,547 56% 3,665 4,846 32% (1) Reflects impact for non-recurring income and expenses largely attributed to Investment, PE exit and new labour codes. 2 Material Subsidiary - Tata Capital Housing Finance Ltd. (TCHFL) Q1FY27 Performance ➢ 100% wholly owned housing finance company ➢ Assets under management grew by 24% YoY to ₹ 89,416 crore as of June 30, 2026 from ₹ 71,913 crore as of June 30, 2025. ➢ Net total income increased by 25% YoY in Q1FY27 to ₹ 1,033 crore from ₹ 828 crore in Q1FY26. ➢ Cost to income ratio was 30.0% for Q1FY27 vs. 30.5% in Q1FY26. ➢ Credit cost for Q1FY27 remained low at ₹ 10 crore (annualized 0.05% of average net loan book). ➢ Profit before tax increased by 29% YoY in Q1FY27 to ₹ 713 crore from ₹ 552 crore in Q1FY26. ➢ PAT increased by 29% YoY in Q1FY27 to ₹ 532 crore from ₹ 412 crore in Q1FY26. ➢ Annualized ROA at 2.5% in Q1FY27 vs. 2.4% in Q1FY26. ➢ Annualized ROE at 18.4% in Q1FY27 vs. 18.4% in Q1FY26. ➢ GS3 at 0.7% | NS3 at 0.3% | PCR at 56.0% as of June 30, 2026. ➢ Capital adequacy ratio as of June 30, 2026 was 17.8%. Particulars; ₹ crores Q1FY26 Q4FY26 Q1FY27 YoY % FY25 FY26 YoY % Assets under management (net) 71,913 86,653 89,416 24% 67,252 86,653 29% Gross loan book 71,151 84,439 86,743 22% 66,955 84,439 26% Net loan book 70,572 83,808 86,145 22% 66,405 83,808 26% Net interest income 674 818 843 25% 2,347 2,956 26% Fee income 134 187 180 35% 423 657 55% Investment income 21 11 10 ~ 63 63 ~ Net total income 828 1,016 1,033 25% 2,834 3,676 30% Operating expenses 253 298 310 23% 972 1,144 18% Pre-provisioning operating profit 575 717 723 26% 1,862 2,533 36% Loan losses and provisions 23 24 10 (58)% (151) 76 ~ Profit before tax 552 693 713 29% 2,013 2,457 22% PAT (excl. non-recurring) 412 527 532 29% 1,499 1,842 23% Non-recurring items(1) - - - ~ - (6) ~ PAT 412 527 532 29% 1,499 1,836 22% (1) Reflects impact of new labour codes. 3 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 Fin [Showing first 8,000 characters — download PDF for full document]