TATACAPNSE4 December 2025

Tata Capital Limited has informed the Exchange about Investor Presentation

Tata Capital Limited

December 4, 2025

To, The Listing Department BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Scrip Code: 544574

Dear Sir/Madam,

To, The Listing Department National Stock Exchange of India Ltd., Exchange Plaza, Bandra Kurla Complex, Bandra (East), Mumbai – 400051 Symbol: TATACAP

Sub: Intimation under Regulation 30 of SEBI (Listing Obligations and Disclosure

Requirements) Regulations 2015 (“SEBI Listing Regulations”).

In terms of Regulation 30 read with Schedule III of the SEBI Listing Regulations, and with reference to our intimation dated December 3, 2025, informing you about the schedule of investor / analysts meetings, please find attached the investor presentation.

The said investor presentation is also available on the website of the Company at https://www.tatacapital.com/content/dam/tata-capital/pdf/investors-and-financial- reports/financials/tcl/Business_Overview-Dec-2025_031225.pdf

No unpublished price sensitive information is mentioned in the aforesaid investor presentation.

You are requested to take the same on record.

Thanking you.

Yours faithfully, For Tata Capital Limited

Sarita Kamath Chief Legal and Compliance Officer & Company Secretary

Tata Capital Limited (“TCL”)

Business Overview

December 2025

Today’s speakers

Rajiv Sabharwal

Rakesh Bhatia

Kiran Joshi

Rajesh Bhakade

MD & CEO, TCL

CFO, TCL

Head – Treasury, TCL

Sr. VP – Treasury, TCL

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Disclaimer

NOT FOR ACCESS IN OR BY, OR DISTRIBUTION, RELEASE, PUBLICATION OR TRANSMISSION IN, INTO OR TO, DIRECTLY OR INDIRECTLY, THE UNITED STATES OF AMERICA (INCLUDING ITS TERRITORIES AND POSSESSIONS), ANY STATE OF THE UNITED STATES AND THE DISTRICT OF COLUMBIA (THE “UNITED STATES”) OR TO U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED) OR ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO DO SO.

This presentation is being furnished solely for your information and may not be reproduced or redistributed to any other person or used without the express consent of Tata Capital Limited (“Company”). The term “Company” shall include its subsidiaries unless repugnant to the context.

This presentation only contains general information on the Company and does not purport to contain all the information. Forward-looking statements contained herein regarding past trends or activities or future business plans, strategy, financial condition, growth prospects or developments in industry, competitive or regulatory environment should not be taken as a representation that such trends or activities will continue in the future. There is no obligation to update or revise any forward-looking statements. Actual results may differ materially from these forward-looking statements due to a number of factors. The contents of this presentation are subject to changes without prior notice. Recipients of this presentation are not to construe its contents, or any prior or subsequent communications from or with the Company or its Representatives as investment, legal or tax advice. Recipients of this presentation should each make their own evaluation of the Company and of the relevance and adequacy of the information and should make such other investigations as they deem necessary.

This presentation does not constitute a prospectus, offering circular or offering memorandum or an offer to acquire or sell or issue or subscribe for any securities or instruments and nothing in this presentation be construed as advice or solicitation to invest in the Company or any of its instruments or securities or otherwise, in India or any other jurisdiction.

Neither the Company nor any of its affiliates, shareholders, directors, employees, agents or representatives (“its Representatives”) makes any warranty or representation (express or implied, whatsoever) as to the completeness of the information contained herein (including statements of opinion and expectation) or as to the reasonableness of any assumptions contained herein and shall not be liable for any loss or damage (direct or indirect) suffered as a result of reliance upon any statements contained herein, or any omission here-from or otherwise resulting from the use of this presentation.

By viewing this presentation or by accepting any copy thereof or any part thereof, you agree to be bound by the foregoing terms.

Agenda

About Tata Group

Sector Outlook

Company Overview

Business Overview

Liability & Asset Profile

Technological Capabilities

Risk and Governance

Performance Update

Summary

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/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_04/4485076-001_Tata Capital_Avinash Anand_Cover and dividers

About Tata Group

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Group revenue 180 USD Bn+

India’s most Valuable brand

Global Ranking

Market cap 325 USD Bn+

Years of operation 150+

At Home Around The World

Tata Communications International wholesale voice provider

Tata Consultancy Services 2nd most valuable IT services brand globally

Tata Chemicals Soda ash producer

Tata Power Largest integrated power company and largest renewable energy company

Tata Motors Commercial vehicle manufacturer

TOP 10

Tata Steel Largest steelmaker

TOP 15

Tata Consumer Products Branded tea

Tata Play India’s largest DTH Player

India Positioning

Titan Company Largest manufacturer and retailer of branded watches and jewelry

Tata Technologies Largest pure play engineering and design services provider

Employees 1 Mn+

100+ countries across 6 continents

Tata Capital Amongst largest diversified NBFCs

Indian Hotels One of Asia’s largest and finest group of hotels

Note: 1 USD = 88 INR; All numbers as of Mar-25; As per Brand Finance Global 500 – 2025 Annual ranking

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Tata Group: Key companies in finance cluster

Key Companies

Tata Capital

Leadership Position

Size

Amongst the largest diversified NBFC

Net AUM: USD 27.7 Bn(1)

Tata AIA Life Insurance Company(2)

3rd largest life insurer (private sector) ~10% market share (IWNBP basis)

Net premium: USD 3.5 Bn

Tata AIG General Insurance Company(3)

~5.8% market share (GDPI basis)

Gross written premium: USD 2.1 Bn

Tata Asset Management Limited(4)

~2.8% market share (AAUM)

AUM: USD 21.3 Bn

Poised to capitalize on the India growth story with significant presence in the Financial Services sector

Note: 1 USD = 88 INR (1) As of Sep-25; (2) For FY25; IWNBP – Individual Weighted New Business Premium; (3) For FY25; GDPI – Gross Direct Premium Income; (4) Based on Q4FY25 AAUM; AAUM – Average Assets Under Management.

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Tata Capital: Strategic Focus for Tata Group

Shareholding Pattern

Strategic Linkage

Synergies from diversified Tata Ecosystem(3)

Pre IPO(1) • 88.6%: Tata Sons Private

Limited

Post IPO(2) • 78.8%: Tata Sons Private

Limited

• 7.0%: Tata Group Companies

• 7.3%: Individuals

Strategic linkage

• Tata Group CFO is the

Chairman of BoD at Tata Capital

• 1.9%: Individuals

• 6.6%: Tata Group Companies

• Common Brand name and

• 1.78%: Foreign Direct

• 3.3%: Foreign Portfolio/Direct

logo with the Group

Investment

Investors

• 0.7%: TCL Employee Welfare

• 2.7%: Banks, MFs & Insurance

Trust

Companies

• 0.02%: Others

• 0.7%: Employees welfare trust

• 0.6%: Others

Cumulative capital infusion of USD 1,417mn (4)

USD mn

1,417

1,218

1,047

752

819

638

291

354

284

114

228

171

199

Upto FY11

FY13

FY19

FY20

FY23

FY24

FY25

H1 FY26

Year-wise infusion

Cumulative infusion

Financial Services constitutes ~10.5% of all Tata Sons investments; Tata Capital accounts for ~6.6% as of FY25

Relationships with 70+ group companies

Partnering with group ecosystem 1000+ Dealer / vendor financing relationships

Aerospace & defence

Leveraging distribution franchise

Life Insurance

Non-Life Insurance

Asset Management

Note: 1 USD = 88 INR (1) As of Oct 03, 2025; (2) Post IPO shareholding pattern as on allotment date of October 09, 2025; (3) Tata Group entities are not exhaustive; (4) As of Sep 30, 2025

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Sector Outlook

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India remains a bright spot, domestic growth holding up

India is currently the fourth largest economy in the world

System liquidity remains broadly stable

GDP Growth Rate (%)

9.2%

7.6%

6.5%

7.8%

8.2%

6.8%

10,00,000

8,00,000

6,00,000

4,00,000

2,00,000

5.15%

4.00%

6.25%

6.50%

5.90%

5.40%

4.90%

4.40%

4.00%

6.25%

6.00%

7.00%

6.00%

5.00%

5.50%

4.00%

3.00%

2.00%

FY23

FY24

FY25

1Q26

2Q26

FY26 (E)

0 2 - r a M

-2,00,000

0 2 - l u J

0 2 - y a M

0 2 - p e S

0 2 - v o N

1 2 - n a J

1 2 - r a M

1 2 - y a M

1 2 - l u J

1 2 - p e S

1 2 - v o N

2 2 - n a J

2 2 - r a M

2 2 - y a M

2 2 - l u J

2 2 - p e S

2 2 - v o N

3 2 - n a J

3 2 - r a M

3 2 - y a M

3 2 - l u J

3 2 - p e S

3 2 - v o N

4 2 - n a J

4 2 - r a M

4 2 - y a M

4 2 - l u J

4 2 - p e S

4 2 - v o N

5 2 - n a J

5 2 - r a M

5 2 - y a M

5 2 - l u J

5 2 - p e S

5 2 - v o N

1.00%

-4,00,000

0.00%

Most high frequency indicators show a positive outlook

Mar’22 Mar’23 Mar’24

Sep’24

Mar’25

Jun’25

Jul’25

Aug’25

Sep’25

YoY

GST Collections (USD bn)

16.1

IIP (YoY %)

CPI (%)

UPI txn value (USD bn)

PV sales (YoY %)

CV Sales (YoY %)

2W sales (YoY %)

Tractor sales (YoY %)

Unemployment (%)

2.2%

5.5%

109

-5%

24%

-4%

-14%

7.6%

18.2

1.9%

6.7%

160

14%

15%

12%

14%

8.1%

20.3

5.5%

4.9%

225

26%

-5%

15%

-23%

7.4%

19.7

3.2%

5.5%

235

-1%

-15%

16%

7.8%

22.3

3.0%

3.3%

282

11%

25%

7.6%

21.0

1.5%

2.1%

273

-7%

-3%

10%

22.2

4.3%

1.6%

285

5.6%

5.2%

21.2

4.1%

2.1%

282

-9%

28%

5.1%

21.5

4.0%

1.5%

283

45%

5.2%

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NBFCs poised to deliver continued credit growth at 15-17% CAGR

Significant credit gap exists in India

NBFCs growing faster than Banks

138%

143%

198%

139%

93%

94%

67%

76%

69%

60%

50%

42%

36%

34%

10%

FY20

-1%

FY21

19%

10%

16%

15% 14%

21%

16%

12%

18%

11%

10%

17-18%

12-13%

11%

FY22

FY23

FY24

FY25

FY26P

Household credit to GDP ratio(1) (%)

Total Credit to GDP(1) (%)

Nominal GDP growth

Gross banking credit

NBFC credit

Increasing share of NBFCs in systemic credit

Improving asset quality of NBFCs

~16.5% CAGR

13.0% CAGR

17%

267

FY19

21%

554

FY25

22%

~875

FY28P

NBFC Credit Outstanding (USD bn)

NBFC Credit (% of systemic)

4.9%

FY22

3.6%

FY23

2.7%

FY24

GNPA

2.6%

FY25

Focused approach to tap underserved customer segments

Ability to penetrate deeper into existing geographies

Leverage tech and digital across lending processes

Customized products to suit customer requirements

Shorter TAT

Strong origination skills

NBFC growth driven by their customer value proposition

Source: CRISIL Report; Note: (1) As of CY24.

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Company Overview

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About Tata Capital

Group

85.4%(1) Tata Sons: 78.8%

100%

Tata Capital Housing Finance Ltd. (“TCHFL”)

Tata Securities Ltd.

Tata Capital Pte. Ltd. (Singapore)

Engaged in housing finance business

Distributes mutual funds and other financial products

Operates fund management business

Tata Capital is an upper layer NBFC with a 100% owned housing finance subsidiary

USD 28bn AUM as of Sep 30, 2025

Retail & SME form ~88% of book

Non-lending businesses

Private equity

Wealth management

Distribution of insurance and credit cards

USD 887mn Domestic & Offshore Funds Raised

53 deals in 15 years

USD 829mn AUM

26% CAGR over 2.5 years

8.6mn+ Insurance policies in force

Other subsidiaries: Tata Capital has other step-down subsidiaries through which it operates its domestic private equity business

Tata Capital Limited (“TCL”) completed merger with Tata Motors Finance Limited (“TMFL”) in May-25 with an appointed date of Apr 1, 2024

Note: 1 USD = 88 INR (1) Cumulative shareholding of the Tata Group, on fully diluted basis, as at October 10, 2025.

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Our Journey – Building a Diversified Retail and SME Focused Book

Gross loans (USD bn)

Mr. Rajiv Sabharwal took over as MD & CEO

Crossed USD 114mn mark in terms of loan book

Successfully listed on NSE and BSE in Oct-25 S&P Global Ratings upgraded to BBB from BBB-

Crossed USD 225mn mark in terms of loan book TMFL merged into TCL

TCFSL and TCCL merged into TCL International BBB- credit rating by S&P, Fitch

Crossed USD 57mn mark in terms of loan book

Credit rating upgrade (domestic) from AA+ to AAA(1)

Commenced lending operations

26 Mar-25

27 Sep-25

18 Mar-24

14 Mar-23

2007

2017

2018

2022

2023

2024

2025

Sep-25

Strong track record with 18 years of profitability; Delivering growth across economic cycles

Note: 1 USD = 88 INR Gross loans data represented as of March 31 for the FY; TCFSL: Tata Capital Financial Services Limited; TCCL: Tata Cleantech Capital Limited; TMFL: Tata Motor Finance Limited; (1) By CRISIL.

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Our Key Strengths

Omni-channel “Phygital” model powered by nationwide network, partnerships, and digital platforms

“Tata” brand name

3rd largest diversified NBFC in India with a comprehensive product suite

Prudent risk culture and strong underwriting driving stable asset quality

Digital, GenAI, and analytics at the core, driving superior experiences and outcomes

Highest credit rating and diversified liabilities ensuring lower cost of funds

Highlights

Source: CRISIL Report; Note: (1) Based on total gross loans as of Jun 30, 2025

Led by a highly experienced management team (combined experience of over 400 years) and guided by best-in-class governance standards

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Tata Capital: Flagship Financial Services Company of the Tata Group

USD 28bn AUM

USD 237mn Profits after Tax (H1 FY26)

88%+ Retail+SME

81% Secured book

1,479 Branches

7.7mn+ Customers

25+ lending products

1.1% NNPA; among best-in-class asset quality

Rating upgraded from BBB- to BBB by S&P Global in Aug 2025 and Fitch Ratings reaffirmed BBB- with a stable outlook

Rated AAA with stable outlook by CRISIL, ICRA, CARE

Note: 1 USD = 88 INR; All numbers as of Sept’25 including Motor Finance

Tata Capital Limited – Financial Performance Summary

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Note: 1 USD = 88 INR; (1) Adjusted for non-recurring income and expenses largely attributed to PE exit in Q2FY25

Particulars (USD mn)FY21FY22FY23FY24FY25 (ex-TMFL) FY25Assets under management (net)8,40210,26613,28917,94022,38026,188Net loan book8,36710,24113,27117,92722,10425,222Total Income1,1351,1711,4682,0682,6373,183Finance Cost5925567501,0871,4321,708Net Total Income5426167189811,2051,475Operating expenses194239303412483614Pre-provisioning operating profit349377415569723861Credit cost1651236668174319Profits before tax184254349500549542PAT (excl. non-recurring income)(1)128192263358408403Non recurring income (PAT impact)- - 81- 1414Profits after tax (PAT)128192344358422416RatiosFY21FY22FY23FY24FY25 (ex-TMFL)FY25Cost to income35.7%38.8%42.2%42.0%40.1%41.6%Cost to Average Assets2.3%2.6%2.6%2.6%2.4%2.6%Credit cost2.0%1.3%0.6%0.4%0.9%1.4%GNPA2.5%1.9%1.7%1.5%1.5%1.9%NNPA0.9%0.6%0.4%0.4%0.5%0.8%PCR65.4%71.0%77.1%70.7%65.8%58.5%Return on Assets (2-point average)1.5%2.1%2.2%2.3%2.0%1.7%Return on Assets (Daily average)1.6%2.2%2.3%2.4%2.1%1.8%Return on Equity (2-point average)12.0%15.3%15.8%15.5%13.8%12.2%Return on Equity (Daily average)12.2%16.0%17.9%17.6%14.7%12.6%EPS (Rs.)3.24.78.48.69.49.3COLOR PALETTE

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Distinguished Board

Strong governance practices aimed at ensuring resilience

Saurabh Agrawal

Rajiv Sabharwal

Sujit Kumar Varma

Ramanathan Viswanathan

Chairman & Non-Executive Director

Managing Director & CEO

Independent Director

Executive Director, Group CFO – Tata Sons

Select prior experience

Select prior experience ⚫ Chief Strategy Officer, Corporate Strategy & Business Development cell with Aditya Birla Management Corporation

⚫ Head, Corporate Advisory and Finance (South Asia and SEA) with Standard Chartered Bank

⚫ Executive Director, Board of ICICI Bank

⚫ Chairman, ICICI Home Finance Company

⚫ Board, ICICI Prudential Life Insurance Company

⚫ Partner, True North Managers

⚫ Associated with State Bank of India

for 34 years

for 37 years

⚫ Deputy Managing Director (Corporate

Accounts Group), SBI

⚫ President and Chief Operating Officer and Whole Time Director in SBI Capital Markets

Ankur Verma

Punita Kumar Sinha

Nagaraj Ijari

Geetha Ravichandran

Additional & Non-Executive Director

Independent Director

Additional & Independent Director

Chief Strategy Officer – Tata Sons

Co-founder of Pacific Paradigm Advisors LLP

Select prior experience

⚫ Managing director in Global Investment

⚫ Senior Managing Director, Blackstone

Banking, DSP Merrill Lynch

⚫ Independent Director - Infosys and JSW Steel,

⚫ Infosys Technologies

among others

⚫ Associated with Tata Consultancy Services

for 29+ years

⚫ Retired from civil services as principal chief commissioner of income tax after serving for 35+ years

Tata Sons representative

Independent Directors

MD & CEO

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Experienced Management Team

Dedicated management team instrumental in driving sustainable growth

Rajiv Sabharwal Managing Director and CEO

Select prior experience: (36 yrs)

• ED, Board of ICICI Bank • Board, ICICI Prudential Life

Insurance Company

• Chairman, ICICI Home Finance • Partner, True North Managers

Sarosh Amaria Managing Director - TCHFL

Manish Chourasia Chief Operating Officer - Corporate & Cleantech Finance

Neeraj Dhawan Chief Operating Officer - Motor Finance and DSMG

Narendra Kamath Chief Operating Officer - SME Finance

Vivek Chopra Chief Operating Officer - Retail Finance

Select prior experience: (28 yrs)

Select prior experience: (31 yrs)

Select prior experience: (28 yrs)

• Founding team member of Tata Capital (since 2007)

• ICICI Bank • Tata Cleantech Capital • IL&FS Infra Asset Management

• Jio Finance • ICICI Bank, HDFC Bank, CSB

Bank, Yes Bank

• GE Capital Transportation

• Tata Motors

Select prior experience: (26 yrs) • ICICI Bank

Abonty Banerjee Chief Operating Officer – IT, Digital, Operations & Marketing

Rakesh Bhatia Chief Financial Officer

Select prior experience: (30 yrs)

• ICICI Bank • Ernst & Young

• American Express • IDBI Bank • Board, International Asset

Reconstruction

Kiran Joshi Head – Treasury

Avijit Bhattacharya Chief Human Resource Officer

Sandeep Tripathy Head of Strategy & Investor Relations

Nitin Dharma Chief Risk Officer

Select prior experience: (35 yrs)

Select prior experience: (32 yrs)

Select prior experience: (17 yrs)

• Tata Motors Finance

• Tata Group companies

• Tata Sons • Goldman Sachs (India)

Select prior experience: (29 yrs) • ICICI Bank • Birla Global Asset Finance

Sarita Kamath Chief Legal and Compliance Officer & Company Secretary

Saurav Basu CBO – Wealth & Advisory Business

Abha Sarda Chief Internal Auditor

Select prior experience: (25 yrs)

Select prior experience: (27 yrs)

Select prior experience: (21 yrs)

• Tata Services

• Citibank, NA

• Tata Capital Housing Finance • Times of India Group

/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_04/4485076-001_Tata Capital_Avinash Anand_Cover and dividers

Business Overview

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Pan-India Distribution Model

Chandigarh

Punjab

Haryana

Delhi

Rajasthan

155

Gujarat

Maharashtra

101

Madhya Pradesh

114

138

152

Goa

Karnataka

Kerala

Jammu & Kashmir

Himachal Pradesh

Uttarakhand

Uttar Pradesh

Bihar

Branch network

123

Assam

Meghalaya

Tripura

# of branches

2.7x

(1)

1,479

West Bengal

539

Jharkhand

Odisha

Chhattisgarh

Telangana

Mar-23

Sep-25

1,479 Branches (1)

27 States and UTs

1,087 Locations

Leveraging geo-analytics to identify high potential areas with focus on deeper markets

Andhra Pradesh

205

Puducherry

Tamil Nadu

All values are for Q2 FY26 / as of Sep-25, unless specified otherwise; (1) Branch count as of Sep-25 includes 272 branches acquired through merger of erstwhile TMFL

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Product Offerings – Retail and SME Driven Growth

Comprehensive product suite which helps manage risk across economic cycles

Gross loans: USD 27bn

Developer finance 5.7%

Supply chain finance 7.6%

Home loans 17.2%

Cleantech and Infrastructure finance 8.6%

Term loans 17.1%

Loan against property 12.3%

Personal / Business loans 10.4%

Retail 61%

Others 5.2%

CEQ/TW 5.6%

Motor Finance 10.3%

Retail : SME : Corporate 61% : 27% : 12%

TCHFL one of the largest HFCs with best-in-class return profile

25+ lending products – comprehensive suite

81% Secured book

Organic book ~99%

Granular(1) ~99%

All values are as of Sep 30, 2025; HFCs: Housing finance companies; Others include products that contribute less than 2% of our gross loan book (education loan, microfinance, loan against securities, car loans); Supply chain finance, equipment finance, and leasing solutions (+) term loans, cleantech & infrastructure finance, and developer finance to businesses with latest available turnover of <= ₹ 2.5bn are categorized as SME loans; Term loans, cleantech & infrastructure finance, and developer finance to businesses with latest available turnover of > ₹ 2.5bn are categorized as corporate loans; Term Loans include Equipment Finance, Loans against Property includes secured business loan and Supply Chain Finance includes leasing solutions. Motor Finance business includes commercial vehicle, portion of car loans & supply chain finance. (1) Total gross loans with ticket size < ₹ 10mn.

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Business Segment Wise Gross Loans

Amount (USD bn)

% Mix

Note: 1 USD = 88 INR Term Loans include Equipment Finance, Loans against Property include secured business loan and supply chain finance includes leasing solutions. Motor Finance business includes commercial vehicle, portion of car loans, supply chain finance.

ParticularsMar-24Mar-25Sep-25Mar-24Mar-25Sep-25 Home loans 3.514.364.6919.1%17.0%17.2% Loan against property 2.293.003.3712.5%11.7%12.3% Personal / Business loans 2.572.832.8314.0%11.0%10.4% CEQ / Two-Wheeler 1.461.681.518.0%6.5%5.6% Term loans 3.104.044.6716.9%15.7%17.1% Cleantech and Infrastructure finance 1.622.072.368.8%8.0%8.6% Supply chain finance 1.761.942.079.6%7.6%7.6% Developer finance 1.051.311.555.8%5.1%5.7% Others 0.971.281.425.3%5.0%5.2% Total (excl. Motor Finance) 18.3222.5224.46100.0%87.5%89.7% Motor Finance -3.232.80-12.5%10.3% Total (incl. Motor Finance) 18.3225.7427.27100.0%100.0%100.0%/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_05/4524828-001_Avinash Anand_Section Dividers

Liability & Asset Profile

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Diversified & Stable Liability Profile

Highest possible domestic credit rating

Int’l credit rating of BBB

AAA with stable outlook

1st USD bond issue in Jan’25

Access to diverse pool of domestic and

international lenders at competitive rates

USD mn

7,900

9,798

12,879

16,839

23,684

24,192

Diversified Funding Sources

13%

42%

27%

13%

41%

31%

11% 5%

39%

34%

Mar'21

Mar'22

NHB

Mar'23 Bank Loans

10% 5%

35%

38%

Mar'24

12% 4%

30%

11%

39%

Mar'25

ECB/ MTN

NCD

Tier II/ Perpetual

CP/ WCDL

ECBs Raised

9% 4%

35%

12%

36%

Sep'25

100%

As on 30th Sept 2025 – TCL (Consol)

Amount Raised in USD mn

Outstanding ECBs in USD mn

FY 21

115

473

FY22

125

598

FY 23

585

825

FY 24

780

1,490

FY 25

1,308

2,773

HY 26

725

3,063

Note: 1 USD = 88 INR NHB: National Housing Bank, ECB: External commercial borrowing, MTN: Medium term note, NCD: Non-convertible debenture, CP: Commercial paper, WCDL: Working capital demand loan

ALM Bucketing (TCL NBFC - Standalone)

Cumulative Inflows & Outflows

12%

15%

Chart Title 13%

16%

120%

100%

80%

60%

40%

20%

73%

71%

84%

77%

100%

14%

15%

18%

24%

28%

13%

51%

35%

36%

23%

1 to 7 Days

8 to 14 Days

15 days to 1M

1 to 2M

2 to 3M

3 to 6M

6M to 1y

1y to 3y

3y to 5y

Over 5y

Cumulative Inflows (%)

Cumulative Outflows (%)

Cumulative Surplus / (Gap) (%)

Prudent ALM practices

Adequate liquidity maintained through investments and undrawn funding lines

Minimal dependence on short term debt

Compliance with RBI regulations on ALM and LCR

FX hedging policy in place to mitigate currency risks

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100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_04/4485076-001_Tata Capital_Avinash Anand_Cover and dividers

Technological Capabilities

Digital DNA Driving Impact

Digitizing entire loan lifecycle to improve customer experience and create a seamless & efficient process

Onboarding & cross-sales

Underwriting

Collections

Customer service

API-enabled process flows

Data integration

Statistical models for early bucket resolution

Omnichannel customer service

Pre-approved loan offers

BRE(2) based underwriting

Field collection app

DIY service via multiple channels

Digital partnerships to enhance reach

GenAI powered credit memos

Digital workflow system

Multilingual Capabilities

Profile checks, digital KYCs, loan-linked insurance

Integrate data from credit bureaus, financial statements etc, AI based risk assessment

Multiple Digital Payment Channels , predictive analytics for loan recovery

GenAI enabled e-mail replies & chatbot. IVR, push notifications and Marketing communications

97%

Customers onboarded via digital platforms

97%

Disbursements(1) via scorecards / BRE(2)

99%

Collections via digital channels

98%

Customer queries addressable digitally

170+

Digital partnerships

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All values are for Q2 FY26 / as of Sep 30, 2025, unless specified otherwise stated. (1) In retail finance; (2) BRE – Business rule engine

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AI > Next – Harnessing the Power of AI

6 Areas identified for AI/GenAI transformation

Customer Engagement

Credit underwriting

Operational Excellence

Risk management

Multilingual virtual assistant

E-mail co-pilot

Automated response management

Data extraction & summarization

Contextualization

Vision AI – Reading, Comparing and Validating

Account Management – Reconciliation and Exception handling

AI powered credit memo

Intelligent Task Prioritization and workflow

Risk & anomaly detection

Comparative analysis

EWS for Risk

Marketing

Content & creatives

Conversational interfaces

Sentiment analysis

Upskilling Workforce

Live

WIP

Learning and Development

Virtual Assistance for instant query resolution

Channel Assistance

/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_05/4524828-001_Avinash Anand_Section Dividers

Risk and Governance

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Strong Risk Culture embedded across organization

Strong risk management framework, with rigorous oversight, multiple layers of defense, robust through-the-cycle risk framework supplemented by data analytics capabilities

Agile & responsive risk function fostering a strong risk culture across the organization

Wide coverage of entire spectrum of material risks covering Credit, Operational, Fraud, Market, InfoSec & IT, Compliance along with Stress Testing & ICAAP

Concentration Risk

Prudential Limits

Agile Policy

Portfolio Monitoring

Analytics & Scorecard

People

Process

External Events

Internal Events

Credit Risk

l a n o i t a r e p O

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Enterprise Risk Management (Reviewed by Board)

M a r k e t R i s k

Interest

Liquidity

Foreign Exchange

CAPAD

Superior Risk insights strengthened with analytical capabilities

Segregation of Duties

IS & Cyber Risk Reputation

Continuous monitoring of portfolio through best-in-class risk management practices

Security Incidents

Vulnerability

Data Privacy

Customer Complaints

Social Media

Brand

ERM reduces the likelihood of downside outcomes and builds resilience

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… with a robust Risk Governance Structure

Board

Board Committees RMC, ITSC & ICC

Senior Management Committees

ALCO, ISSC, ORMC and FRMC

Business Unit Committees

MCC, CC, CMC, Risk reviews

Business and Functional Unit

Risk & Compliance Functions

1st Line of defence – Risk Ownership

2nd Line of defence – Risk & Compliance

Internal Audit

3rd Line of defence – Risk Assurance

Risk management accountability and oversight form an integral part of organization’s governance

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... and deep focus on Collections

Pro-active monitoring to contain stress

Use of Data & Analytics across Collections lifecycle

Omni-channel payments infrastructure

Pre-Delinquency Management

X-Bucket Collection

Initial - Mid Buckets (1-3)

NPAs

Write-Off Recoveries

• Predicting bounce likelihood

•

Immediate customer connect

• Focus on asset protection &

• Proactive outreach

• Avoid repeat bounce

normalization

• Behavioral data for

• Digital Reach, Tele-Calling,

Roll-Back

Field Collection

• Focus is on amicable

settlements & repossessions

• Emphasis on Loss Reduction

• Settlement / Possession

• Prioritize collection activities

Model

Current Bounce (%)

X-Bucket Resolution (%)

Resolution (%)

NPA

Write-Off Recoveries

₹

Low

Intensity of Legal action

High

/Admin/ADVANCED GRAPHICS/Cover and Template/2025/2025_04/4485076-001_Tata Capital_Avinash Anand_Cover and dividers

Performance Update

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Executive Summary – Q2FY26 Performance Update

Excluding Motor Finance

Including Motor Finance

USD 24bn AUM

USD 28bn AUM

22.0% YoY | 4.1% QoQ

2.7% QoQ

2.3% Opex / Average loans

2.6% Opex / Average loans

Q2FY25 2.4%(1) | Q1FY26 2.2%

Q1FY26 – 2.4%

USD 128mn PAT

USD 125mn PAT

• Tata Motors Finance acquisition completed on May 8, 2025. Integration

progressing well - in line with our plans.

• For better understanding, we have presented figures both excluding and

including Motor Finance business.

33% YoY(1) | 10% QoQ

10.9% QoQ

Q2FY26 (excluding Motor Finance):

2.2% ROA Q2FY25 2.0%(1) | Q1FY26 2.1%

1.1% Credit Cost

Q2FY25 0.8% | Q1FY26 1.4%

1.9% ROA

• AUM at USD 24bn (22% YoY growth).

Q1FY26 - 1.8%

• Annualized credit cost at 1.1% (vs. 1.4% in Q1FY26). NNPA at 0.6% (same as

1.3% Credit Cost

Q1FY26 – 1.6%

Q1FY26 levels).

• PAT at USD 128mn (33%(1) YoY growth)

Note: 1 USD = 88 INR; (1) Adjusted for non-recurring income and expenses largely attributed to PE exit in Q2FY25.

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Consolidated Financial Performance (Including Motor Finance)

Merger with Tata Motors Finance became effective on May 8, 2025 - Q1FY26 is the first quarter of combined operations

Note: 1 USD = 88 INR; (1) Adjusted for non-recurring income and expenses largely attributed to PE exit in Q2FY25; (2) Excl. non-recurring income

Particulars (USD million)Q1FY26Q2FY26QoQ growthH1FY26FY25Assets under management (net)26,99027,7153%27,71526,188Net loan book25,97526,7043%26,70425,222Net interest income3263415%6671,215Fee income657616%141225Investment income2112-43%3335Net total income4124294%8411,475Operating expense15217012%322614Pre-provisioning operating profit260259-1%519861Loan losses and provisions10388-15%191319Profit before tax1571719%328542Profit after tax (excl. non-recurring income)11312511%237403Non-recurring income (PAT impact)(1)---14Profit after taxes (attributable to owners of the company)11312511%237416Ratios(2)Annualized operating expense on average net loan book2.4%2.6%2.5%2.6%Cost to income ratio36.8%39.7%38.3%41.6%Annualized credit cost on average net loan book1.6%1.3%1.5%1.4%Annualized Return on average net loan book1.8%1.9%1.8%1.7%Annualized Return on average equity12.5%12.9%12.5%12.2%Consolidated Financial Performance (Excluding Motor Finance)

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Note: 1 USD = 88 INR; (1) Adjusted for non-recurring income and expenses largely attributed to PE exit in Q2FY25; (2) Excl. non-recurring income

Particulars (USD million)Q2FY25Q1FY26Q2FY26YoY growthH1FY25H1FY26YoY growthFY25Assets under management (net)20,07223,53824,49722%20,07224,49722%22,380Net loan book20,06123,14824,01120%20,06124,01120%22,104Net interest income24328530023%47058524%1,011Fee income42586759%8112453%180Investment income10211216%213359%15Net total income29536337828%57274230%1,205Operating expense11912213917%23726110%483Pre-provisioning operating profit17724024036%33548143%723Loan losses and provisions40796462%66143116%174Profit before tax13716217628%26933826%549Profit after tax (excl. non-recurring income)9611612833%19324426%408Non-recurring income (PAT impact)(1)13--14-14Profit after taxes (attributable to owners of the company)11011612817%20724418%422Ratios(2)Annualized operating expense on average net loan book2.4%2.2%2.3%2.5%2.3%2.4%Cost to income ratio40.1%33.7%36.6%41.4%35.2%40.1%Annualized credit cost on average net loan book0.8%1.4%1.1%0.7%1.2%0.9%Annualized Return on average net loan book2.0%2.1%2.2%2.0%2.1%2.0%Annualized Return on average equity13.7%14.3%14.9%14.0%14.2%13.8%Consolidated Balance Sheet

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Note: 1 USD = 88 INR

Particulars (USD mn)Mar-25Sep-25I. ASSETS1.Financial assets(a) Cash and cash equivalents1,077379(b) Bank balance other than (a) above11043(c) Derivative financial instruments61124(d) Receivables1115(e) LoansNet Loans and Advances25,22226,704(f) Investments991926(g) Investments accounted using equity method131135(h) Other financials assets125221Total financial assets27,72728,5482.Non-financial assets(a) Current tax assets (net)2714(b) Deferred tax assets (Net)158166(d) Investment property00(e) Property, plant and equipment172230(f) Capital work-in-progress00(g) Intangible assets under development22(h) Other intangible assets910(i) Right of use assets4742(j) Other non-financial assets94104Total non-financial assets508569Total Assets28,23529,117Particulars (USD mn)Mar-25Sep-25I. LIABILITIES AND EQUITY1.Financial liabilities(a) Derivative financial instruments2712(b) Payables207185(c) Borrowings23,68424,192(d) Lease liabilities5046(e) Other financial liabilities251296Total financial liabilities24,21924,7312.Non-financial liabilities(a) Current tax liabilities (Net)4153(b) Provisions3234(c) Deferred tax liabilities (Net)00(d) Other non-financial liabilities3730Total non-financial liabilities1101163.Equity(a)Equity share capital428455(b)Shares pending for issuance4730(c)Instruments entirely equity in nature205137(d)Other Equity2,6663,531Total Equity3,7724,1234.Non Controlling Interest134147TOTAL EQUITY AND LIABILITIES28,23529,117COLOR PALETTE

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Consolidated Asset Quality Update

Gross Stage III (%)

Net Stage III (%)

PCR (%)

Credit Cost (%)

Ex. TMFL

1.5%

1.6%

0.5%

0.6%

69.9%

65.8%

64.0%

0.9%

1.2%

1.8%

1.9%

2.2%

1.1%

0.7%

0.8%

60.5%

58.5%

52.8%

1.4%

1.5%

Sep'24

Mar'25

Sep'25

Sep'24

Mar'25

Sep'25

Sep'24

Mar'25

Sep'25

FY25

H1 FY26

Note: 1 USD = 88 INR

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Key Ratios – TCL Standalone

20.0%

10.0%

15%

6.3x

6.8x

6.6x

6.5x

6.1x

8.0x Post IPO

4.9x

6.0x

4.0x

17.3%

2.0x 21.5%

16.7%

16.6%

16.4%

16.3%

16.9%

16.6%

11.9%

11.7%

12.1%

12.2%

12.8%

13.8%

FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

Q1 FY26

Q2 FY26

Total CRAR

Tier-I

Regulatory CRAR

D/E

0.0x

-2.0x

17.9% -4.0x

-6.0x

-8.0x

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Summary

Tata Capital is well positioned to capture the India opportunity

De-risked portfolio: Balanced, diversified and secured

Strong multi-year operating & financial performance

Future-ready through Digitalization combined with physical expansion

Flagship NBFC from Tata Group with significant synergies from the Diversified Tata Sons Ecosystem

Bank-like Risk Management Framework

Access to Diversified sources of Funding at competitive costs

Experienced Management team

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Q & A

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Thank You

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