Building the Intelligent Financial Enterprise with Generative AI

Tata Capital, one of India’s leading non-banking financial companies, is accelerating its digital transformation by embedding Generative AI into its core business strategy and lending value chain. This approach is reshaping how customer engagement is enhanced, how teams operate, and how decisions are made— creating a more agile, responsive, and intelligent financial enterprise.

Central to this transformation is the integration of generative AI and Copilot technologies into everyday workflows. These capabilities are empowering employees with intelligent assistance— automating routine tasks, generating insights from data, summarizing content, and improving collaboration. Copilot tools are being embedded across functions to drive meaningful improvements in productivity and decision-making.

Generative AI is now woven into Tata Capital’s core operations, streamlining processes and delivering measurable outcomes across the business. In customer service, AI is transforming how teams engage with clients by classifying and responding to emails, extracting data from internal systems, and generating personalized replies. These innovations have led to a 20% reduction in operational costs and a notable increase in team productivity. Document intelligence has also advanced, with Tata Capital’s proprietary Quality Assurance platform, Qsure, leveraging generative AI to automate document processing. Qsure classifies documents, verifies content, and extracts contextual data from various formats, ensuring consistency and efficiency throughout enterprise workflows. In credit assessment, automation aggregates financial and behavioral data, drafts structured credit notes, and performs year-over-year comparisons—resulting in a 25% reduction in turnaround time and a 30% boost in credit team productivity. Finally, Tata Capital has introduced an internal AI powered knowledge assistant to support employees, answering queries, retrieving information, and guiding them through processes. This tool enhances self-service and accelerates access to organizational knowledge, further embedding AI-driven agility and intelligence into the company’s daily operations.

Tata Capital’s AI-led transformation is connecting front, middle, and back office functions into a unified intelligent ecosystem. By combining generative AI, automation, and human expertise, the company is driving faster execution, enhanced productivity, and improved customer service—laying the foundation for scalable and responsible innovation in financial services.