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Tata Capital Housing Finance Limited
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Tata Capital Housing Finance Limited
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Returns (YTM)

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7.35%

Min. investment

Min. Investment

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3,26,259.03

Remaining Tenure

Remaining Tenure

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2Y 2M 15Days

Payment term

Payment Terms

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Yearly

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Highlights

Credit Rating

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CRISIL AAA/STABLE

Credit Rating

Seniority

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SUBORDINATE

Seniority

Security

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Secured TIER II

Security

Default History

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Zero

Default History
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Retail Focused loan book : Retail mortgages (home loans & LAP): 83%, Wholesale ( Builders loan) :17% as of Q1 FY26

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Good AUM Growth : ₹ 71,151 Cr in Q1 FY26 (vs ₹ 66,955 cr : FY25 , ₹ 52,042 Cr : FY24 & ₹ 36,917 : FY23) ; 29% ↑ YoY in FY25

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Stable Asset Quality: Net-NPA at 0.33% ( Q1FY 26) , 0.32% ( FY25) ,0.40% (FY24) & 0.63% (FY23)

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Profitability: PAT ↑ at ~38% CAGR over three years to ₹1,499 cr in FY25 (vs ₹568 cr in FY22). PAT ↑ at 30.6% YoY (FY25), ROMA at 2.4%.

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Adequate Liquidity : No cumulative negative mismatches up to 1-year maturity, supported by bank limits

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Healthy Capitalisation: Net worth: ₹8,901 cr in Q1 FY26 with gearing at 7.41(vs ₹8,560 Cr & 7.14 in FY25; ₹6,507 Cr & 7.00 in FY24)

Company Financials

Revenue

PAT

Debt

Net Worth

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Important disclaimer

Ratio Analysis

0.32
Net NPA
Good
Benchmark: Lower than 3%
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19.01
Capital Adequacy Ratio
Good
Benchmark: Minimum 14%
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7.14
Debt to Equity Ratio
Good
Benchmark: Maximum 12 times
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Important disclaimer

About Issuer

Credit Rating / Outlook

Other Important Details & Disclosures

Taxation

Calculate Your Returns

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Units
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Investment Amount

3,26,259.03

Total Returns tooltip

49,340.97

Total Receivabletooltip

3,75,600

Cashflow Timeline cashflow-arrow

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