Tata Capital Housing Finance Reports 30% YoY AUM Growth, ₹440 Crore Quarterly PAT
Bengaluru: Tata Capital Housing Finance Limited (TCHFL) has reported robust financial performance for the quarter and half-year ended September 30, 2025, following a meeting of its Board of Directors held today to approve the unaudited results.
As of September 30, 2025, TCHFL’s Assets Under Management (AUM) reached ₹75,636 crore, marking a 30% year-on-year increase from ₹58,257 crore in the previous year. The company also recorded its highest-ever quarterly Profit After Tax (PAT) of ₹440 crore, up 28% YoY from ₹343 crore in Q2FY25.
Net total income rose by 37% YoY to ₹899 crore, while the cost-to-income ratio improved to 32.9% from 35.9% in the same quarter last year. Credit cost remained low at ₹13 crore, translating to an annualized credit cost of just 0.1%.
Profit Before Tax (PBT) stood at ₹590 crore, a 28% increase from ₹460 crore in Q2FY25. Annualized Return on Assets (ROA) remained stable at 2.4%, and Return on Equity (ROE) was 18.5%, compared to 18.7% last year.
Asset quality remained strong, with gross stage 3 assets at 0.8% and net stage 3 assets at 0.3%. The provision coverage ratio was 55.6%, and the capital risk adequacy ratio stood at 17.5% as of September 30, 2025.
Commenting on the results, Sarosh Amaria, Managing Director of TCHFL, said, “As of September 30, 2025, the Company’s Assets Under Management stood over ₹75,000 crore, registering a healthy 30% year-on-year growth. The expansion was driven by a well-diversified book and a continued focus on broadening geographic reach. Profit after tax for Q2FY26 stood at ₹440 crore, reflecting a strong 28% growth over the corresponding period last year, underscoring sustained business momentum and operational resilience.”
