Tata Capital Buys Kerala NBFC: Is Your Loan Safe?
Tata Capital is buying nearly 89% of a Kerala-based small NBFC called Yogakshemam Loans. If you borrow from small NBFCs, this is a reminder to know who really owns your loan — and what changes when they do.
₹708 crore AUM is roughly 70 lakh chai cups — now changing hands for ₹93 crore
Your NBFC's loan book size — here's why ownership changes affect you
Key Takeaways
Check your loan agreement: if your NBFC is acquired, your loan terms cannot legally change mid-tenure without your written consent.
Verify the new parent company's RBI registration — any NBFC lending to you must hold a valid Certificate of Registration on the RBI website.
If you receive new repayment instructions (new account number, new app) after an ownership change, confirm directly with the NBFC before transferring any money.
Tata Capital is buying nearly 89% of a Kerala-based small NBFC called Yogakshemam Loans. If you borrow from small NBFCs, this is a reminder to know who really owns your loan — and what changes when they do.
Here's what happened: Tata Capital will acquire an 88.6% stake in Yogakshemam Loans, a Kerala-based base-layer NBFC, for roughly ₹93 crore.. Yogakshemam had a loan book of approximately ₹708 crore as of March 2026, serving borrowers in Kerala.. This acquisition expands Tata Capital's footprint into regional, small-ticket lending — a growing market for salaried and self-employed borrowers..
What you should do: Check your loan agreement: if your NBFC is acquired, your loan terms cannot legally change mid-tenure without your written consent.. Verify the new parent company's RBI registration — any NBFC lending to you must hold a valid Certificate of Registration on the RBI website.. If you receive new repayment instructions (new account number, new app) after an ownership change, confirm directly with the NBFC before transferring any money..
RBI rules require the acquiring entity to honour all existing loan contracts. If an NBFC tries to hike your interest rate or change EMI dates after being taken over, you can file a complaint at RBI Sachet (sachet.rbi.org.in) — most borrowers don't know this.
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- [1]“Tata Capital to acquire 88.6% stake in Kerala-based Yogakshemam Loans” Latest Money & Banking, Financial News Today - news | The HinduBusinessLine · 13 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.