Bengaluru, October 28th, 2025: A meeting of the Board of Directors of Tata Capital Housing Finance Limited (TCHFL) was held today to consider and approve the unaudited financial results for the quarter, and half year ended September 30, 2025
TCHFL Q2FY26 Performance Update:
- Assets under management grew by 30% YoY to ₹ 75,636 crore as of September 30, 2025 from ₹ 58,257 crore as of September 30, 2024
- Net total income increased by 37% YoY in Q2FY26 to ₹ 899 crore from ₹ 655 crore in Q2FY25
- Cost to income ratio for Q2FY26 was 32.9% vs. 35.9% in Q2FY25
- Credit cost for Q2FY26 was low at ₹13 crore, representing annualized credit cost of 0.1%
- Profit before tax increased by 28% YoY in Q2FY26 to ₹ 590 crore from ₹ 460 crore in Q2FY25
- Profit after tax increased by 28% YoY in Q2FY26 to ₹ 440 crore from ₹ 343 crore in Q2FY25
- Annualized ROA at 2.4% in Q2FY26 vs. 2.4% in Q2FY25.
- Annualized ROE at 18.5% in Q2FY26 vs. 18.7% in Q2FY25
- Gross stage 3 stood at 0.8% as of September 30, 2025
- Net stage 3 stood at 0.3% as of September 30, 2025.
- Provision coverage ratio stood at 55.6% as of September 30, 2025.
- Capital risk adequacy ratio as of September 30, 2025 was 17.5%
Commenting on the financial results, Mr. Sarosh Amaria, Managing Director, 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”