CreditBrief

What Tata Capital lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.08 lakh crore (+11% since March).

Tata CapitalNBFCs

₹2.77lakh crorenet AUM on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers3rdof 13 NBFCs on CreditBrief, March 2026
Biggest segment28.7%SME, latest split (30 Sep 2026)
Share of the combined book12.4%of all NBFCs on CreditBrief

Chapter 01 · The loan book

₹2.77 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Tata Capital's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from sme down, and you get ₹2.77 lakh crore. By 30 Sep 2026 it was ₹3.08 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

57%People and households₹1.75 lakh croreHome loansLoan against propertyPersonal / Business loansCEQ / Two-WheelerOther Retail loans
43%Businesses₹1.33 lakh croreSMECorporate

Drilling down: what it lends against · 30 Sep 2026

  • SME₹88,500 crore28.7%
  • Home loans₹48,163 crore15.6%
  • Corporate₹44,862 crore14.6%
  • Loan against property₹43,617 crore14.2%
  • Personal / Business loans₹28,076 crore9.1%
  • Motor Finance₹23,591 crore7.7%
  • Other Retail loans₹16,464 crore5.3%
  • CEQ / Two-Wheeler₹14,758 crore4.8%

Includes Tata Capital Housing Finance. "Personal / Business loans" combines personal loans (₹17,020 crore) and business loans (₹11,056 crore). Other retail covers education, microfinance, loans against securities and car loans. Motor finance covers commercial vehicles, some car loans and supply chain finance.

Sources: Tata Capital Investor Presentation Q4 FY26, PDF page 16 ↗ for March 2026; Tata Capital Investor Presentation Q2 FY27, PDF page 16 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 31% a year since March 2022.

From ₹94,349 crore on 31 March 2022 to ₹2.77 lakh crore on 31 March 2026, and ₹3.08 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 7 filings · each checked against its pageHow it works
Tata Capital · loan book · 31 March 2026₹2.77lakh crore+20% in FY2025-26₹3.08 lakh crore by 30 Sep 2026
  1. 0131%a year since 2022Grew 31% a year from March 2022 to March 2026, a figure that includes its merger with Tata Motors Finance, which added ₹33,513 crore.
  2. 0220%in FY2025-26Growth slowed to 20% in FY2025-26, from 46% the year before. Part of that change comes from its merger with Tata Motors Finance, which added ₹33,513 crore.
  3. 033rdamong peersHeld its place as the 3rd biggest of these 13 NBFCs from March 2022 to March 2026.
Branches1,477-1.3% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · net AUM94,3491,16,7891,57,7612,30,4552,77,2753,08,030
BranchesNumber2674387231,4961,4771,515

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Tata Capital, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Tata Capital, Q2 FY2026-27: loan book ₹3.08 lakh crore, +11% since March

  • ₹3.08 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: SME, 29% of the book
  • Every figure links to page 16 of its filing

Chapter 03 · Among its peers

3rd biggest of 13 NBFCs we cover, March 2026.

At the end of FY2025-26 it held 12.4% of the combined loan book of the NBFCs on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1Bajaj Finance₹5.10 lakh crore
  2. 2Shriram Finance₹3.02 lakh crore
  3. 3Tata Capital₹2.77 lakh crore
  4. 4Cholamandalam Investment and Finance₹2.24 lakh crore
  5. 5Muthoot Finance₹1.63 lakh crore
  6. 6Aditya Birla Capital₹1.60 lakh crore
  7. 7Mahindra Finance₹1.34 lakh crore
  8. 8L&T Finance₹1.22 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at Tata Capital

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

Open the careers page ↗

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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