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Tata Motors Ltd Automobiles - LCVs / HCVs
BSE Code
500570
ISIN Demat
INE155A01022
Book Value
63.27
NSE Symbol
TATAMOTORS
Div & Yield %
1.53591
Market Cap (Rs Cr.)
82962.7965
P/E
50.30948
EPS
5.17
Face Value
2
TATA MOTORS LIMITED

ANNUAL REPORT 2009-2010

DIRECTOR'S REPORT

TO 
THE MEMBERS OF 
TATA MOTORS LIMITED

The  Directors  present  their Sixty-Fifth Annual Report  and  the  Audited 
Statement of Accounts for the year ended March 31, 2010.

FINANCIAL PERFORMANCE SUMMARY
                                                           (Rs. in crores)
                                   Company	       Tata Motors' Group
                            2009-10       2008-09      2009-10	    2008-09
A. FINANCIAL RESULTS

(i) Gross Revenue	    38,364.10	 28,568.21    95,567.42   74,093.31

(ii) Net Revenue 
(excluding 
excise duty)	            35,593.05	 25,629.73    92,519.25	  70,880.95

(iii) Total Expenditure	    31,414.77	 23,877.29    83,905.09	  68,684.45

(iv) Operating Profit	     4,178.28	  1,752.44     8,614.16	   2,196.50

(v) Other Income	     1,853.45	    925.97     1,793.12	     798.96

(vi) Profit before           6,031.73	  2,678.41    10,407.28	   2,995.46
Interest, Depreciation, 
Amortization,Exceptional
items & Tax	

(vii) Interest and 
Discounting 
Charges (Net)	             1,103.84	    673.68     2,239.71	   1,930.90

(viii) Cash Profit	     4,927.89	  2,004.73     8,167.57	   1,064.56

(ix) Depreciation, 
Amortisation & Product 
Development Expenses	      1177.90	    925.71	4385.33	    2854.52

(x) Profit/(Loss) for 
the year before 
Exceptional 
items & Tax	             3,749.99	  1,079.02     3,782.24	 (1,789.96)

(xi) Exceptional items	       920.45	     65.26	 259.60	     339.29

(xii) Profit/(Loss) 
Before Tax	             2,829.54	  1,013.76     3,522.64	 (2,129.25)

(xiii) Tax Expense	       589.46	     12.50     1,005.75	     335.75

(xiv) Profit/(Loss) 
After Tax	             2,240.08	  1,001.26     2,516.89	 (2,465.00)

(xv) Share of Minority              -	         -	  54.17	    (40.25)
Interest and Share of 
Profit/(Loss) in respect 
of investments in 
associate companies	

(xvi) Profit/(Loss) 
for the year	             2,240.08	  1,001.26     2,571.06	 (2,505.25)

(xvii) Balance Brought 
Forward from 
Previous Year	             1,685.99	  1,383.07   (1,553.66)	   1,764.12

(xviii) Credit taken                -	     15.29	      -	          -
for Dividend 
Distribution Tax 
for Previous Year	

(xix) Amount Available 
for Appropriations	     3,926.07	  2,399.62     1,017.40	   (741.13)

B. APPROPRIATIONS

(a) Debenture 
Redemption Reserve	       500.00	    267.80	 500.00	     267.80

(b) General Reserve	       500.00	    100.13	 520.32	     138.20

(c) Other Reserves	            -	         - 	  13.08	      41.95

(d) Dividend 
(including tax)	               991.94	    345.70     1,001.85	     364.58

(e) Balance carried 
to Balance Sheet	     1,934.13	  1,685.99   (1,017.85)	 (1,553.66)

DIVIDEND

Considering  the  Company's  financial  performance,  the  Directors   have 
recommended  a  dividend of Rs.15/- per share on the increased  capital  of 
506,381,356  Ordinary  Shares  of Rs.10/- each  (previous  year-Rs.6/-  per 
share) and Rs. 15.50 per share on 64,176,560 'A' Ordinary Shares of Rs.10/- 
each  (previous  year-Rs. 6.50 per share) and any further  Ordinary  Shares 
and/or  'A'  Ordinary Shares that may be allotted by the Company  prior  to 
August  12, 2010 (being the book closure date for the purpose of  the  said 
dividend  entitlement) for 2009-10. The said dividend, if approved  by  the 
Members,  would involve a cash outflow of Rs.991.94 crores (previous  year- 
Rs.345.70  crores)  resulting  in a payout of  44%  of  the  unconsolidated 
profits of the Company.

OPERATING RESULTS AND PROFITS

After  the  economic  downturn  and  difficult  market  conditions  in  the 
automotive  sector globally in 2008-09, during the year,  economies  across 
the world (with a few exceptions) showed signs of recovery and growth.  The 
Indian  economy bounced back quickly and strongly growing at 7.2% in  2009-
10.  The  automotive sector in India started the  year  steadily,  gathered 
momentum in different segments in the second half of the year and ended the 
year with a record growth and performance.

The  Company's  turnover, in this background and with  a  strong  portfolio 
coupled  with successful launch of new products and variants in  commercial 
vehicles  and passenger vehicles, was Rs.38,364 crores, a growth  of  34.3% 
over the  previous year. The volume growth coupled with  other  actions  on 
pricing  and  cost  reduction enabled the Company  to  achieve  significant 
improvement in EBIDTA margin to 11.7% (6.8% in 2008-09). The Profit  Before 
Tax  of Rs.2,830 crores and Profit After Tax of Rs.2,240 crores  also  grew 
significantly over the previous year by 179.1% and 123.7% respectively.

The Tata Motors' Group turnover was Rs.95,567 crores, a growth of 29%  over 
previous  year contributed mainly by market recovery, improved  realization 
and  successful launch of new products. Consolidated Profit Before Tax  was 
Rs.3,523  crores  (Loss  of Rs.2,129 crores in  2008-09)  and  Consolidated 
Profit  for the year was Rs.2,571 crores (Loss of Rs.2,505 crores in  2008-
09).

The  performance of the Company and its subsidiaries is elaborated  in  the 
Management Discussion and Analysis Report which forms a part of this Annual 
Report. A snapshot is given below.

VEHICLE SALES AND MARKET SHARES

The Company recorded a sale of 633,862 vehicles in 2009-10, a growth of 34% 
over  previous  year (472,885 vehicles) in the domestic  market  in  India, 
representing  a 25.5% share in the industry (improving from 24.4% share  in 
the previous year).

Commercial vehicle sales were highest ever at 373,842 vehicles achieving  a 
robust  growth of 40.9% over previous year and a market share of  64.2%  (a 
gain  of 0.4%, over previous year). A strong product portfolio,  successful 
launch  of  new products and variants, extensive efforts in  marketing  and 
finance  enablement  for customers and leadership in  market  research  and 
penetration,   contributed  to  the  significant  improvement  in   overall 
performance. Some of the key highlights were:

-  In  M&HCV,  growth  of 36.5% to 155,161  vehicles  and  a  market  share 
improvement to 63.3% (from 61.9% in the previous year); launch of the  next 
generation of heavy trucks-Prima range; completion of delivery of 1,625 low 
entry buses to Delhi Transport Corporation and delivery of major portion of 
the  orders of over 5,000 buses under JnNURM Scheme of Government of  India 
for modernizing the public transport in India.

- The Light Commercial Vehicle (LCV) sales recorded a spectacular growth of 
45.4%  in  FY 2009-10. While this was largely aided by the  growth  in  the 
small  commercial vehicles, the rest of the segment also  grew  handsomely. 
The  competition in the small commercial vehicle range increased  resulting 
in  a  0.5%  loss in the domestic market share reducing it  to  64.8%.  The 
Company's  sales increased by 44.2% to 218,681 LCVs. The  Company  launched 
new  variants  on the Ace platform, Ace EX. Super Ace and  the  407  Pickup 
which are expected to help in gaining volumes.

Passenger  vehicle sales were 260,020 vehicles, highest ever,  achieving  a 
growth  of  25.3% over previous year and a market share  of  13.7%  (stable 
compared  to  13.6%  in the previous year). The  Company  continues  to  be 
amongst  the  top three players in the passenger vehicle market  which  has 
over  25 players. The growing sales of the new generation Indica Vista  and 
successful  launch  and  market  response  for  the  Indigo  Manza   mainly 
contributed to the growth. Some of the key highlights were:

-  In the Small Car segment, increase in market share to 13.3% (as  against 
12.7%, in the previous year), with the growing sales of Indica Vista, sales 
of the Nano and the Fiat Punto;

-  Commencement of sales of Nano in July 2009 and completing deliveries  of 
30,763  cars to the customers and commencement of trial production  in  the 
Sanand plant.

-  The  Indigo  range sales of 54,551 units, a growth  of  10.9%  over  the 
previous year and also the highest ever sales by the Company in this range, 
mainly due to the launch of the Indigo Manza in October 2009.

- Sale of 33,507 Multi-Utility Vehicles (MUVs), a decline of 14.7%  against 
the last year and as a result the market share dropped to 12.4%. The Grande 
Mk  II  which was launched in December 2009 has been well accepted  in  the 
market and is expected to help in regaining market share in the UV segment.

-  Sale  of 24,884 Fiat cars which has given Fiat a 1.3%  market  share  as 
against  0.5%  in  the previous year with Linea sales  at  11,102  nos.  (a 
segment  share  of 10.1%) and the Grande Punto sales at 13,281  (a  segment 
share of 3.5%).

- The Company sold 225 Jaguar and Land Rover vehicles through its exclusive 
dealerships  in  India in the first year of the sales of  the  Jaguar  Land 
Rover brands.

The  Company's  international business remained affected  by  the  economic 
downturn  in  many  of the key markets. The  Company's  commercial  vehicle 
exports  grew moderately by 4.7% to 27,878 vehicles and passenger  vehicles 
exports declined by 9.9% to 6,231 vehicles. With improved economic  outlook 
and  market  recovery and with the new product range, the  Company  expects 
significant improvement in its international business in the future.

Tata  Motors' Group sales were 880,396 vehicles across its entire range  of 
products and markets. The key highlights were:

- The Company has sold 667,971 vehicles.

-  Jaguar  Land  Rover achieved sale of 193,982  vehicles  as  compared  to 
167,348 vehicles in 2008-09 (in 10 months since Tata Motors acquisition  of 
the  business  in June 2008). Jaguar Land Rover continued  to  enhance  its 
product  offerings  through an all new XFR, powertrain offerings  and  2010 
model year vehicles. The new Jaguar XJ was unveiled in London in July  2009 
and had its public debut at the Frankfurt Motor Show in September 2009.

-  In  South Korea, Tata Daewoo Commercial Vehicle Company  Limited  (TDCV) 
successfully  launched the new premium truck platform - Prima;  TDCV  sales 
were  stagnant  at  9,011 vehicles in Korea and  international  markets  as 
compared to 9,137 vehicles in the previous year.

-  In Thailand, Tata Motors (Thailand) Limited saw a very good response  to 
the CNG version of the Tata Pick-up vehicle-Xenon.

TATA MOTORS FINANCE LIMITED-CUSTOMER FINANCING INITIATIVES

The  vehicle financing activity under the brand 'Tata Motor Finance'  (TMF) 
of Tata Motors Finance Limited, a wholly-owned subsidiary company, financed 
a  total  of  1,44,806 vehicles during the year  as  compared  to  1,00,611 
vehicles in the previous year. Total disbursements were Rs.6,697 crores  as 
against  Rs.4,900  crores  in the previous year.  The  disbursals  for  new 
commercial  vehicles  were Rs.5,123 crores (96,593 units)  as  compared  to 
Rs.3,319  crores  (59,467 units) during the previous  year.  For  passenger 
cars,  total disbursements were Rs.1,454 crores (48,213 units) as  compared 
to Rs.1,288 crores (41,144 units) in the previous year. The market share in 
terms  of  products  financed  by  the  Company  increased  from  22.4%  in 
commercial vehicles to 26% and remained constant at 21% in passenger  cars. 
TMF  has  shown  improvements  in disbursements as  well  as  Net  Interest 
Margins,  mainly  driven by the overall economic recovery  coupled  with  a 
strong focus on controlling costs, improving quality of fresh acquisitions, 
micro  management of collections. TMF's strategy on  controlling,  managing 
and reversing non-performing assets (NPAs) and 'Risk Scored Pricing  Model' 
thrust  on  customer  relations  and  a  branch  based  re-organised  field 
structure has set a robust platform to enable future growth.

HUMAN RESOURCES & INDUSTRIAL RELATIONS

Industrial  Relations  were  cordial at all  locations.  In  a  challenging 
environment  and  business conditions, the support from the  workforce  and 
unions  was positive throughout. The key highlights in the human  resources 
and industrial relations were:-

-  The  Company's plant at Uttarakhand was conferred with  the  prestigious 
Golden  Peacock Award for Safety & Environment and the National  Award  for 
energy  conservation by the Ministry of Power. The Pune plant received  the 
Frost  and Sullivan Green leader award for 2009 in the  automotive  sector. 
The Jamshedpur plant obtained a revised and updated certification under  SA 
8000-a  global  social  accountability  standard  for  working  conditions, 
certifying labour practices at the facilities including those of suppliers. 
Towards  organizational health and safety, the plants at Jamshedpur,  Pune, 
Uttarakhand and Lucknow are certified under OHSAS 18001. The  communication 
on  progress  during  2009-10 was submitted to the  United  Nations  Global 
Compact. The Company has also submitted GRI report for 2008-09 based on  G3 
Guidelines   of  sustainability  reporting  framework.  The  Company   also 
undertook  several  initiatives, including on-line  tools  for  performance 
improvement, employee development and training.

- At Jaguar Land Rover, the year under review was dominated by the economic 
downturn and the need to cut costs quickly, which resulted in large numbers 
of non-production shifts in the 3 UK plants (Castle Bromwich, Halewood  and 
Solihull).  Jaguar  Land  Rover worked closely with its  Trade  Unions  and 
negotiated  a  Framework Agreement which secured Euro 68  million  of  cost 
savings.  It closed its Defined Benefit pension scheme to new workers  with 
effect  from April 24, 2010, by introducing a Defined Contribution  scheme. 
All  Jaguar Land Rover sites have been prepared to  commence  certification 
process  for  OHSAS  18001 external accreditation  for  Health  and  Safety 
standards, commencing July 2010.

The  Company had 482 employees who were in receipt of remuneration  of  not 
less  than Rs. 24 lacs during the year or Rs. 2 Lacs per month  during  any 
part  of the said year. The Information required under Section  217(2A)  of 
the  Company's Act 1956 and the Rules made there under is provided  in  the 
Annexure  forming part of the Report. In terms of Section 219(1)(b)(iv)  of 
the  Act  the  Report  and Accounts are  being  sent  to  the  shareholders 
excluding the aforesaid Annexure. Any Shareholder interested in obtaining a 
copy of the same may write to the Company Secretary.

FINANCE

The  borrowings of the Company as on March 31, 2010 stood at Rs.  16,625.91 
crores (previous year Rs. 13,165.56 crores). The key highlights were:-

- In 2009-10, the Company raised Rs.4,200 crores from the issue of Secured, 
Rated, Credit Enhanced, Listed, 2% Coupon Non-Convertible Debentures (NCDs) 
with  premium  on  redemption and Rs.200 crores from  the  issue  of  9.95% 
Secured NCDs.

-  In a challenging financial market environment, the Company  successfully 
rolled over in May 2009, the bridge finance it had obtained for acquisition 
of the Jaguar Land Rover business for a period of 18 months, till  December 
2010.  Subsequently, the Company was able to prepay this loan  facility  in 
October  2009  from  certain divestments,  improved  cash  generation  from 
operations and also through fund raised, US$ 375 million from the issue  of 
Global  Depository  Receipts  and US$ 375 million  from  issue  of  Foreign 
Currency Convertible Notes.

-  Further, the Company made a limited period enhanced conversion offer  to 
the  non-U.S. holders of the 0% JPY 11,760 million and 1% US$  300  million 
Convertible  Notes.  The  offer met with  great  success  with  bondholders 
representing  93% of the JPY bonds and 76% of US$ series bonds,  opting  to 
convert their bonds into Ordinary Shares, which resulted in debt of US$ 345 
million  being  extinguished against the issue of  26.64  million  Ordinary 
Shares.

-  The Company also sold 20% stake in Telco Construction Equipment  Company 
Limited  (Telcon),  in favour of Hitachi Construction  Machinery  Co.  Ltd. 
(Hitachi)  for  a  consideration of Rs.1,152.51 crores  (net  of  expenses) 
resulting   in  the  Company's  shareholding  being  reduced  to  40%   (on 
consolidated basis).

Jaguar  Land  Rover  completed guarantee  arrangements  to  facilitate  the 
drawdown  of a Euro338 million loan from European Investment Bank  for  its 
projects  aimed at emission reduction, besides other  financing  activities 
like an inventory financing facility; renewal of a US$200 million loan; and 
repaid short term borrowing totaling f220 million.

Tata Motors' Group debt: 

Equity  ratio in the operations continues to remain high at  4.3:1,  though 
significantly  bought  down from 5.9:1 as at March 31, 2009. The  Board  is 
conscious of this, and the need to strengthen the long-term funding for the 
business.

The  Company will further consider suitable steps to de-leverage and  hence 
de-risk  the  balance  sheet from volatility and has also  taken  and  will 
continue  to  implement suitable steps for raising long term  resources  to 
match  the  Company's fund requirement and to optimize  its  loan  maturity 
profile.  The Company's rating for foreign currency borrowings was  revised 
by  Standard  & Poor to B (Positive Outlook) and by Moodys' to  B3  (Stable 
Outlook).  For  borrowing in local currency the rating was  revised  to  A+ 
(Stable Outlook) by Crisil and to LA+ (Stable Outlook) by ICRA.

INFORMATION TECHNOLOGY INITIATIVES

Tata Motors' Group continued to reinforce its IT capabilities in all  areas 
of  business  in design/engineering, manufacturing,  vendor  interface  and 
dealer/customer  interface  functions.  The  major  initiatives  undertaken 
were:-

-  In Product Development/Engineering, 3D design visualization  capability, 
enriching digital content by adding behaviour to digital models,  Knowledge 
Based Engineering tools and enhanced digital collaboration with vendors;

-  Digital manufacturing solutions and validation was extensively  deployed 
for   the  Nano  facilities  planning;  manufacturing   Execution   systems 
implemented in the high-volume plants at Uttarakhand and Sanand;

-  Supplier  portal,  which facilitates close  collaboration  from  design/ 
development stage to production planning and scheduling;

-  CRM-DMS  program enhancements, which further enrich the  on-line  common 
platform system for the Company's sales, spare parts service activities and 
for  all channel partners, giving the Company an on-line  real-time  market 
and customer interaction and information capability;

- Extension of customer touch points through web, call centre and SMS.

-  Jaguar Land Rover completed the process of separating its operations  in 
markets where it previously operated as a part of the Ford legal entity and 
the  process  to  separate the IT infrastructure  and  support  systems  is 
expected to be completed shortly. Jaguar Land Rover also rolled out its new 
SAP  solution to many of its existing National Sales Companies  around  the 
world  including  South Africa, Brazil, North America,  France  and  China. 
Jaguar  Land Rover has initiated a major programme to  re-engineer  Product 
Creation capability, covering every aspect of Product Lifecycle  Management 
(PLM)  from  concept to recycling, delivering a system  that  will  provide 
everyone  with immediate access to all Product Creation  information,  with 
simple-to-use, graphically-orientated user interfaces.

Tata  Technologies  Limited  continues to be a  key  strategic  partner  in 
several of these technology initiatives.

NEW PRODUCT, TECHNOLOGY AND ENVIRONMENT-FRIENDLY INITIATIVES

Product Development

Tata Motors' Group continuously assesses customer needs to develop new  and 
innovative  products  which  deliver  better value  to  its  customers.  In 
pursuance of this strategy, the Company has developed significant  in-house 
capabilities and works with a range of partners to keep its product profile 
rich and meet market expectations. Some of the key initiatives and projects 
include:-

-  The new heavy truck range Prima unveiled in May 2009, will  be  enriched 
through several product and application variants such as tractor  trailers, 
tippers,  rigid  trucks over the next few years. TDCV  received  the  Grand 
Prize of 2009 Good Design Selection of Korea for the Prima, and development 
on a range of light trucks is underway.

-  The  new range of buses (based on the Prima platform with  bodies  being 
made  by Tata Marcopolo displayed at the Delhi Auto Expo in  January  2010) 
have  been launched. Tata Hispano has developed a new Intercity  Coach  the 
Xerus  and  a new Suburban Bus, the Intea and is working  on  developing  a 
range of other buses.

-  In  small commercial vehicles, the Ace platform is  being  exploited  to 
introduce variants to address various market segments. The Ace EX and Super 
Ace  have  been launched and the Company will introduce  the  multi-purpose 
vehicle, Venture, the passenger vehicle variant, Magic Iris and the  micro-
truck Ace Zip.

-  The  Aria,  India's  first  indigenously  developed  crossover  vehicle, 
showcased  at  the last Auto Expo is expected to be launched in  the  first 
half of 2010-11.

-  Variants  of  the  Nano, to suit specific  needs  of  the  domestic  and 
international  markets are being developed. Increased thrust is being  made 
to  explore  opportunities for launch of the Indica Vista  and  the  Indigo 
Manza in various international markets.

- In July 2009, Jaguar Land Rover launched to the world, the beginnings  of 
its  response  to Environmental and C02 challenges with  more  compact  and 
efficient vehicles. The New XJ launched in early 2010-11, features the next 
generation Jaguar's aerospace-inspired aluminum body architecture  enhanced 
power train with ultra efficient petrol and diesel engine variants, highest 
standards  of  personal  luxury and specifications, amongst  which  is  its 
instrument cluster with a 12th thin film transistor (TFT) screen. The Range 
Rover  Evoque,  a  new  more  compact  product,  with  class  leading   C02 
performance and technology is under development. The product will  showcase 
technology  features including 'Park-for-you' and 'Magna-ride'  to  deliver 
outstanding  Chassis  dynamics,  whilst also showcasing  increased  use  of 
Aluminium and composites for exterior body panels to reduce weight.

Development of Environment-friendly Technologies

As  a  responsible  automobile manufacturer, Tata  Motors'  Group  aims  to 
develop  vehicles  and  technologies  to reduce  the  carbon  footprint  by 
developing vehicles running on alternative fuels and hybrids such as:

-  Development  of a complete range of CNG vehicles including  Ace,  Magic, 
Xenon,  Winger,  Indigo and also trucks and buses. Over  2200  CNG  fuelled 
buses were supplied to Delhi Transport Corporation. Tata Motors  (Thailand) 
Limited  was  the first OEM to offer a factory fitted CNG  variant  of  the 
Xenon  pickup in the Thai market. Tata Daewoo Commercial Vehicle  Co.  Ltd. 
(TDCV)  pioneered the development and introduction of the  first  Liquefied 
Natural Gas (LNG) tractor trailer and the LPG MCV truck in the South Korean 
market.

-  Hybrid  technologies  offer perfect  solutions  for  certain  commercial 
vehicle  applications. The Company is working on developing Diesel and  CNG 
hybrid  solutions  for  city bus applications in India and  also  in  Spain 
through its subsidiary Tata Hispano. Tata Hispano received a grant from the 
Spanish Government for the development of a Hybrid Low Floor City Bus.  The 
Company is working on both, series and parallel hybrid solutions and  plans 
to  display  the vehicles during the Delhi Commonwealth  Games  in  October 
2010.  A  mild-hybrid  on  the  Ace  platform-Ace  Ex  with  a   start-stop 
arrangement  which delivers a saving in fuel consumption in  heavy  traffic 
conditions was launched in the previous year.

-  On the electric vehicle range, the Company has secured its  position  in 
research and development of electric vehicle technology. Ace EV,  displayed 
at Zaragosa exhibition in 2008 and Vista EV displayed at Geneva Motor  show 
in  2009,  are in advanced stages of development. These  vehicles  will  be 
launched  in the European markets, especially the northern European  market 
where  there  are strong fiscal incentives for such vehicles in  the  urban 
city centers.

-   The  Company  is  simultaneously  working  to  introduce  a  range   of 
technologies,  which will help in reducing fuel consumption on  its  petrol 
and  diesel  powered  vehicles such as  improved  fuel  injection  systems, 
electric  power  steering,  radial  tyres  for  commercial  vehicles,   low 
resistance   tyres,  automatic  transmissions  and  weight   reduction   of 
components.

-  Despite  the severe financial conditions of the last 12  months,  Jaguar 
Land Rover has continued to invest heavily in process and product research. 
During  the  past 12 months, 120 technology projects have  been  progressed 
toward  implementation on future programmes. The 10 model  year  programmes 
delivered  a  range  of advanced technologies including  Dual  View  Screen 
(world  first),  Continuously Variable Damping, Auto Headlamp  Dipping  and 
Advanced All-Round Camera features. All of these were well received by  the 
press  and  customers  alike and served to raise the  technology  image  of 
Jaguar Land Rover products.

- Further, an extensive range of new technologies are under development for 
future  programmes including 'Series' and 'Parallel' hybrid vehicles,  with 
the  first generation of full parallel hybrids moving  towards  application 
readiness  later  this  year. Other  projects  include  Limo-green  (series 
Hybrid), Power train downsizing, EV transmissions, etc; some of which  have 
been successful in securing government funding.

SUBSIDIARY/ASSOCIATE COMPANIES AND CONSOLIDATED FINANCIAL STATEMENTS

a.  During the year, the following changes have taken place  in  subsidiary 
companies:

Subsidiary companies formed/acquired:

*  Tata  Hispano  Motors  Carrocera S.A.,  (Hispano)  became  a  subsidiary 
consequent  upon the Company exercising its put option and  increasing  its 
stake   from  21%  to  100%.  Consequently  its  wholly  owned   subsidiary 
Carrosseries Hispano Maghreb, Morocco also became the Company's subsidiary.

*  Jaguarl-andRover Limited, the Company's subsidiary formed the  following 
subsidiaries, viz. Jaguar Land Rover Brazil LLC, Limited Liability  Company 
'Jaguar Land Rover' (Russia), Land Rover Parts Limited and Land Rover Parts 
US LLC.

Companies ceasing to be subsidiary companies:

* The Company partially divested 20% stake in Telco Construction  Equipment 
Company  Limited (Telcon) in favour of Hitachi Construction  Machinery  Co. 
Ltd  (Hitachi).  Consequently, its stake in Telcon was reduced to  40%  (on 
consolidated  basis),  resulting  in Telcon and its  5  subsidiaries,  viz. 
Serviplem  S.A., Baryval Assistencia Tecnica S.L., Comoplesa Lebrero  S.A., 
Inner  Mongolia North Baryval Engineering Special Vehicle  Corporation  Ltd 
and Eurl Lebrero France, ceasing to be subsidiaries of the Company in March 
2010 and have become associate companies.

*  INCAT  Holdings BV, INCAT KK and Lemmerpoort BV,  subsidairies  of  Tata 
Technologies Limited and Jaguar & Land Rover Asia Pacific Company  Limited, 
a subsidairy of Jaguar Land Rover Limited were liquidated.

* Miljo Innovasjon AS was merged with Miljobil Grenland AS.

Name changes:

* Tata Technologies Inc. from INCAT Systems Inc.

* Tata Technologies (Canada) Inc. from INCAT Solutions of Canada Inc.

*  Tata  Technologies  de Mexico, S.A. de C.V from  Integrated  Systems  de 
Mexico, S.A. de C.V. 

* Jaguar Land Rover Nederland BV from Land Rover Nederland BV.

* Tata Hispano Motors Carrocera S.A. from Hispano Carrocera S.A.

b.  As  required  under the Listing agreement  with  the  Stock  Exchanges, 
Consolidated Financial Statements of the Company is attached. In accordance 
with  the  Statement  of  Accounting  Standard  on  Consolidated  Financial 
Statements   (AS  21)  and  the  Accounting  Standard  on  Accounting   for 
Investments in Associates (AS 23) and Accounting Standard on Accounting for 
Joint Ventures (AS 27), issued by the Institute of Chartered Accountants of 
India, the subsidiaries, associates and joint venture have been  considered 
in the Consolidated Financial Statements of the Company. On an  application 
made  by the Company under Section 212(8) of the Companies Act,  1956,  the 
Central  Government  exempted  the Company from attaching  a  copy  of  the 
Balance  Sheet and the Profit and Loss Account of the subsidiary  companies 
and  other documents to the Annual Report of the Company. Accordingly,  the 
said  documents  are  not  being attached with the  Balance  Sheet  of  the 
Company. The gist of financial performance of the subsidiary companies  for 
FY 2009-10 are provided under 'Subsidiary Companies: Financial  Highlights- 
2009-10'  in  the  Annual Report. The Company  will  make  available  these 
documents/details  upon  request  by  any member  of  the  Company  or  its 
subsidiary  companies who may be interested in obtaining the same and  will 
also  be kept open for inspection by them at the Registered Office  of  the 
Company  and at the Head Offices of the subsidiary company  concerned.  The 
same would also be posted on the website of the Company.

c. Associate companies

As on March 31, 2010, the Company had the following associate companies:

Tata  Cummins Limited (TCL), in which the Company has a  50%  shareholding, 
with  Cummins Engine Co. Inc., USA holding the balance. TCL is  engaged  in 
the manufacture and sale of high horse power engines used in the  Company's 
range  of  M  & HCVs. Tata Auto Comp Systems Limited (TACO)  is  a  holding 
company  for  promoting  domestic  and  foreign  Joint  Ventures  in   auto 
components and systems and is also engaged in engineering services,  supply 
chain  management  and after market operations for the auto  industry.  The 
Company's shareholding in TACO is 26%.

Tata Precision Industries Pte. Ltd., Singapore, in which the Company has  a 
49.99%  shareholding,  is  engaged  in the manufacture  and  sale  of  high 
precision tooling and equipment for the computer and electronics industry.

Nita  Co.  Ltd.,  Bangladesh, in which the Company  holds  40%  equity,  is 
engaged in the assembly of TATA vehicles for the Bangladesh market.

Telco  Construction  Equipment  Co. Ltd. (TELCON),  in  which  the  Company 
divested  a  further  20% stake during the year in favour  of  Hitachi,  is 
engaged   in  the  business  of  development,  manufacture  and   sale   of 
construction  equipment and allied services. Consequently Telcon  is  owned 
60% by Hitachi and 40% (on consolidated basis) by Tata Motors.

Fiat India Automobiles Limited, a 50:50 joint venture company between  Tata 
Motors  Limited  and  Fiat Company located in  Ranjangaon,  Maharashtra  is 
engaged  in  the manufacture of Tata and Fiat branded products as  well  as 
engines and transmissions for use by both the partners.

Automobile  Corporation of Goa Ltd. (ACGL), a Company in which Tata  Motors 
Limited  has a 42.37% shareholding, was incorporated in 1980, jointly  with 
EDC Limited (a Goa government enterprise). ACGL is a listed company engaged 
in manufacturing sheet metal components, assemblies and bus coaches and  is 
the largest supplier of buses (mainly for exports) to the Company.

FIXED DEPOSITS

In  December  2008, the Company launched a public fixed deposit  scheme  to 
meet  a  part of the funding requirements of the Company.  The  scheme  has 
received  an  overwhelming response and the management of  the  Company  is 
thankful to all the investors for participating in the scheme and the faith 
reposed in the Company. The aggregate amount collected under fixed  deposit 
scheme  as  on  March  31,  2010 was  Rs.  3,173.45  crores  from  2,87,343 
depositors.  The  Company  has no overdue  deposits  other  than  unclaimed 
deposits.  The  Company  has discontinued the  acceptance  and  renewal  of 
deposits w.e.f. May 28, 2010.

ENERGY, TECHNOLOGY & FOREIGN EXCHANGE

Details  of  energy conservation and research  and  development  activities 
undertaken by the Company along with the information in accordance with the 
provisions  of Section 217(1)(e) of the Companies Act, 1956, read with  the 
Companies  (Disclosure of Particulars in the Report of Board of  Directors) 
Rules, 1988, are given as an Annexure to the Directors' Report.

DIRECTORS

Mr  N A Soonawala who had been on the Board of the Company since May  1989, 
stepped  down  from  the  Board  of Directors  w.e.f.  March  31,  2010  in 
accordance with the 'Policy for Retirement Age of Non-Executive  Directors' 
adopted by the Company. His contributions particularly in areas of  capital 
raising,  recent  acquisitions  and  its  financing/refinancing,  financial 
management  and  accounting  and capital market matters,  have  helped  the 
Company  in  meeting  its aspirations to become  a  truly  global  Company; 
particularly  in times of difficulties such as the global meltdown,  market 
swings,  Nano  relocation. Mr Soonawala was on the Board for more  than  20 
years  and  was  a  Member  of  the  Executive  Committee  of  the   Board, 
Remuneration  Committee and the Nomination Committee. Mr Soonawala  had  by 
his  counsel and guidance tremendously contributed to the Company over  the 
years  in  its  strategic direction and in  its  financial  structure.  The 
Directors  place  on record the debt the Company owes to  Mr  Soonawala  in 
contributing to the Company's growth and premier position in the automobile 
industry.

Mr. R. Gopalakrishnan, a Director of the Company since December  1998,  who 
retires by rotation at the ensuing Annual General Meeting has conveyed  his 
decision  not  to offer himself for re-appointment. Mr. Gopalakrishnan  was 
also a Member of the Executive Committee of the Board, Investors' Grievance 
Committee  and  Ethics  and Compliance Committee and  has  added  value  to 
deliberations  at Board/Committee Meetings. The Directors place  on  record 
their appreciation of the contribution made by Mr Gopalakrishnan during his 
tenure as Director of the Company.

The Board at its meeting held on May 27, 2010, appointed Mr Ranendra Sen as 
an Additional Director, w.e.f. June 1, 2010 in accordance with Section  260 
of  the Companies Act, 1956 and Article 132 of the Articles of  Association 
of the Company.

Mr Carl-Peter Forster was appointed as Chief Executive Officer and Managing 
Director of the Company w.e.f. April 1, 2010. An abstract and memorandum of 
interest under Section 302 of the Companies Act, 1956 has been sent to  the 
members of the Company.

In  accordance  with  the provisions of the Companies  Act,  1956  and  the 
Articles of Association of the Company, M/s Ratan N Tata and R A  Mashelkar 
are liable to retire by rotation and are eligible for re-appointment.

Attention of the Members is invited to the relevant items in the Notice  of 
the Annual General Meeting and the Explanatory Statement thereto.

CORPORATE GOVERNANCE

A  separate section on Corporate Governance forming part of the  Directors' 
Report and the certificate from the Practicing Company Secretary confirming 
compliance of Corporate Governance norms as stipulated in Clause 49 of  the 
Listing Agreement with the Indian Stock Exchanges is included in the Annual 
Report.

AUDIT

M/s  Deloitte Haskins & Sells (DHS), Registration No. 117366W, who are  the 
Statutory  Auditors of the Company hold office until the conclusion of  the 
ensuing  Annual  General  Meeting. It is proposed  to  re-appoint  them  to 
examine and audit the accounts of the Company for the Financial Year  2010-
11. DHS have, under Section 224(1) of the Companies Act, 1956, furnished  a 
certificate of their eligibility for re-appointment.

Cost Audit

As  per the requirement of the Central Government and pursuant  to  Section 
2338  of the Companies Act 1956, the Company carries out an audit  of  cost 
accounts relating to motor vehicles every year. Subject to the approval  of 
the  Central Government the Company has appointed M/s Mani & Co.  to  audit 
the  cost accounts relating to motor vehicles for the Financial Year  2010-
11.

DIRECTORS' RESPONSIBILITY STATEMENT:

Pursuant  to Section 217 (2AA) of the Companies Act, 1956,  the  Directors, 
based on the representation received from the Operating Management, confirm 
that:

-  In  the preparation of the annual accounts,  the  applicable  accounting 
standards have been followed and that there are no material departures;

-  They  have, in the selection of the accounting policies,  consulted  the 
Statutory  Auditors and have applied them consistently and  made  judgments 
and estimates that are reasonable and prudent so as to give a true and fair 
view  of  the state of affairs of the Company at the end of  the  financial 
year and of the profit of the Company for that period;

-  They  have  taken  proper and sufficient care,  to  the  best  of  their 
knowledge  and ability, for the maintenance of adequate accounting  records 
in  accordance  with  the  provisions  of  the  Companies  Act,  1956,  for 
safeguarding  the  assets of the Company and for preventing  and  detecting 
fraud and other irregularities; and

- They have prepared the annual accounts on a going concern basis.

ACKNOWLEDGEMENTS

The  Directors  wish to convey their appreciation to all of  the  Company's 
employees  for their enormous personal efforts as well as their  collective 
contribution to the Company's record performance. The Directors would  also 
like  to  thank the employee unions, shareholders, fixed  deposit  holders, 
customers,  dealers,  suppliers,  bankers, Government  and  all  the  other 
business associates for the continuous support given by them to the Company 
and their confidence in its management.

                                       On behalf of the Board of Directors

                                       RATAN N. TATA
                                       Chairman 
Place: Mumbai 
Date : May 27, 2010.

Annexure to the Directors' Report

(Additional  information given in terms of Notification 1029 of  31-12-1988 
issued by the Department of Company Affairs).

A. Conservation of Energy

The  Company  has  always been conscious of the need  for  conservation  of 
energy  and  has  been steadily making progress towards  this  end.  Energy 
conservation  measures have been implemented at all the plants and  offices 
of  the Company and special efforts are being put on  undertaking  specific 
energy conservation projects like installation of Variable Frequency Drives 
&  Circulation  pumps in paint shop, replacement of  forced  draft  exhaust 
arrangement  by  natural draft exhaust arrangement for  the  extraction  of 
fumes  in  paint shop, installation of energy efficient motors, LED  &  CFL 
lamps, Wind Ventilators, Super Magnetic Dust Separators, Solar Photovoltaic 
Hybrid System for corridor lighting, use of natural light in plant by using 
Polycarbonate translucent sheets, switching off unwanted high bay lights  & 
shop  substation transformers, downsizing of the motors, provision of  heat 
resistive  cover for furnaces, introduction of Propane in place of LIDO  in 
ovens  and  heat  treatment  furnace,  transferring  cylinder  block   core 
production  from Shell Core method to Cold Box method, etc.  These  changes 
have  resulted in cost savings for the Company of around Rs. 8.5  crores  & 
annual  CO2  reduction  of 15179 tCO2. The company's CVBU  Pune  plant  was 
awarded  a  Trophy  and  Certificate for 'Green  India  Awards-2009  &  was 
declared  as  'Green Leader' by FROST & SULLIVAN, Banglore.  ACE  Plant  at 
Pantnagar  plant won first prize in 'Automobile Manufacturing'  sector,  an 
award  for 'National Energy Conservation Awards-2009' by Bureau  of  Energy 
Efficiency (BEE), Ministry of Power, Government of India. Car Plant at Pune 
bagged  the First Prize in Safety, Health & Environment  (SHE)  competition 
organised  by the Confederation of Indian Industry (CII),  Western  Region, 
for  the  year 2009-10. Jamshedpur plant won the Best Entry Award  for  the 
Energy Conservation (ENCON) Contest 2009-10 organised by the  Confederation 
of  Indian  Industry  (CII) in the Eastern region (ER).  Lucknow  has  been 
awarded  the  Excellent Energy Efficient Unit Award at  the  10th  National 
Awards  for  Excellence in Energy Management-2009 conducted  by  CII-Godrej 
Green Business Centre at Chennai. The Company's endeavour for tapping  wind 
energy  has also made significant contributions. Total energy  produced  by 
wind power for this year was 529.5 lakh units and this resulted in  savings 
in electricity charges of Rs.18.2 crores.

B. Technology Absorption

The  Company has continued its endeavor to absorb the best of  technologies 
for  its product range to meet the requirements of a  globally  competitive 
market.  All of the Company's vehicles and engines are compliant  with  the 
prevalent regulatory norms in India and also in the countries to which they 
are  exported. The Company has also undertaken programs for development  of 
vehicles  which  would run on alternate fuels like  LPG,  CNG,  Bio-diesel, 
Electric traction etc.

Major  Technology  absorption  projects undertaken  during  the  last  year 
include:

Technology for	                                  Technology	  Status
                                                  Provider	

Model based development for                       KPIT Cummins,   Completed
Engine Stop Start functionality	                  India	

ALC (Touch, Appearance, Light, Colour)            Delphi,
Interior Harmony development methodology	  Germany	  Completed

Acoustic tuning for Infotainment 
system	                                          Delphi, USA	  Completed

EMC reliability through design specifications     IDIADA-NSI,     Completed
& verification on vehicle	                  Spain	        

Parallel Hybrid Technology for Buses	          Eaton	          In  
                                                                  Progress

Hardware in Loop (HIL) System and Test 
Framework development for Body Control	          KPIT, India	  Completed 
Module and Instrument Cluster

In  keeping  with  the requirement of technological  up  gradation  of  its 

engines  development  facility, the company has added  facilities  such  as 
440KW  High  Dynamic Transient Dynamometer with  state-of-the-art  Raw  gas 
emission  measurement  facility  and  intake  airconditioning  system   for 
developing heavy duty commercial vehicle engines up to 8 L. The Company has 
also  added  a variety of testing facilities and equipment  such  as  Sound 
Quality  Studio,  Acoustic transmission loss test rigs  for  specific  body 
panels,  cost  effective  telemetry based measurement system  for  pass  by 
noise, wheel force transducers to gather road load data in a single set  up 
and  has  also indigenously developed in-house capability to  conduct  side 
pole   impact  crash  tests.  The  Company  has  developed  following   new 
technologies/methods  and  processes for its range of  passenger  cars  and 
commercial vehicles such as: 

a) Plastic balance gears; 

b) Spoked flywheel; 

c) Mass dampers on rear suspension arms; 

d)  Dual mass flywheel system; etc. During the year, the Company has  filed 
150   Patent  applications,  44  Design  applications  and   78   Copyright 
applications.  Six Patents were granted, 30 Designs and 34 Copyrights  were 
registered to the Company for applications filed in the earlier years.

Major Technology imports include:

Technology for	                    Imported from  Year of   Status
		                                   Import
Development & 
application of a 
two cylinder common	              FEV, Germany  2007-08  Under
rail diesel engine for small                        2008-09  Implementation
passenger car and small		
commercial vehicles.		                    2009-10
Gas Injection technology for 
LCV, MCV & HCV engines                AEC,Australia 2009-10  In Progress

Stop-Start feature for 
various vehicle platforms	      Lucas, UK	    2009-10  In progress
                                      Continental, 
                                      USA
Concept-Automated Manual                                     One 
transmission for	              Prodrive,UK   2009-10  Unit imported
commercial vehicles	              Porsche,               as Technology
                                      Germany                Demonstrator 
			                                     Completed

Multiplexed wiring systems            Continental,  2009-10  Completed
for bus platforms	              USA	

Gas Injection technology              AFS, Canada   2009-10  Completed
for Ace, Xenon, Winger 
engines	

Engine Management for Series          AEC,          2008-09  Implementation
Hybrid Technology for Buses           Australia,    2009-10  In Progress

Design & Development of               Ricardo 
New Generation engine	              UK Ltd. UK    2006-07  Under
platforms for LCVs and UVs			             implementation

Design & Development of New           AVL List 
Generation engine	              GMBH,Austria  2007-08  Completed
platforms for ICV/MCV	              Delphi 
                                      Diesel 
                                      Systems,
	                              France
Design & Development of 
Infinitely variable transmission      M/s Torotrak  2007-08  Under
based on full toriodal traction-      (Holdings)             implementation
Drive variators for	              Ltd. UK		
various vehicle platforms.

Design & Development of flush         Wagon 
sliding and plug	              SAS, France   2007-08  Completed

Design & Development of Electric      Tata Motors 
Hatchback in windows	              European	    2008-09  Under
Vehicle-Indica Vista EV	              Technical              implementation
                                      Centre plc,		    
	                              UK (TMETC)

During  the  year  the Company spent Rs. 1,170.97 crores  on  Research  and 
Development  activities including expenditure on capital  assets  purchased 
for Research and Development which was 3.29% of the net turnover.

C. Foreign Exchange Earnings and Outgoing

	                                                  Rs. in crores

Earnings in foreign currency	                               3,047.56

Expenditure in foreign currency (including 
dividend remittance)	                                       2,398.70

MANAGEMENT DISCUSSION AND ANALYSIS

Business Overview

As  the  Indian  economy  bounced back and grew by  7.2%  in  2009-10,  the 
automotive  industry  in  India recorded steady growth  in  the  first  two 
quarters and recorded significant growth in the last two quarters of  2009-
10.

The  commercial vehicle industry grew by 40.1% compared to the  decline  of 
17.4%  in  2008-09.  The passenger vehicle industry,  which  had  showed  a 
decline of 0.5% in the previous year, grew by 24.8% in 2009-10.

With  single digit inflation, the monetary policies of the Government  were 
relaxed  leading to a fair availability of vehicle finance in  the  market, 
albeit at costs higher than the historical lows. Fuel costs remained fairly 
stable  during  the year benefited by the stable  international  crude  oil 
prices. From April 1, 2010, India was due to migrate its emission norms  to 
the Bharat Stage IV in the 13 metro cities and Bharat Stage III in the rest 
of the country. Due to the imminent increase in vehicle prices as a  result 
of the technological changes in the vehicles conforming to new regulations, 
there  was a spurt in the demand in the last quarter. The GDP grew by  7.4% 
in  2009-10  as  compared  to preceding year.  The  commodity  prices  also 
remained  stable for most part of the year thereby keeping the input  costs 
in  check.  All these factors resulted in the  Indian  automotive  industry 
posting a significant and profitable growth in 2009-10.

The Company's total sales increased by 31.9% to 667,971 vehicles in 2009-10 
in  the  domestic  and  overseas  markets.  The  commercial  vehicle  sales 
increased  to 373,842 in the domestic market, an increase of 40.9% and  the 

Company consolidated its leadership position by introducing new products to 
complement  its existing product portfolio. The passenger vehicles  volumes 
grew by 25.3% to 260,020 vehicles in the domestic market on the back of the 
launch of the Nano and the Indigo Manza. The Company's exports increased by 
1.7%  during  the  year, due to the slow recovery  in  major  international 
markets.

The  industry  performance in the domestic market during  2009-10  and  the 
Company's share is given below:

Category                 Industry sales	               Company sales 	   
                           (Nos.)                        (Nos.)	           
             2009-10     2008-09     Growth    2009-10    2008-09    Growth 

Commercial    582,538    415,724      40.1%    373,842	  265,373     40.9%
Vehicles	

Passenger   1,899,144  1,521,421      24.8%    260,020	  207,512     25.3%
Vehicles#	

Total	    2,481,682 11,937,145      28.1%    633.862    472.885     34.0% 

Category            Company
                    market share %
              2009-10	   2008-09

Commercial 	64.2	      63.8
Vehicles	

Passenger  	13.7	      13.6
Vehicles#	

Total	    	25.5 	      24.4 

Source: 

Society of Indian Automobile Manufacturers report and Company Analysis

* Including Magic and Winger sales. 

# Including Fiat & Jaguar Land Rover branded cars.

The  input  prices remained stable for most part of the year.  The  Company 
continued its cost reduction efforts to improve profitability. Through  its 
continued  focus on new product development, the Company launched many  new 
products and variants in the market.

Industry Structure and Developments Commercial Vehicles

The domestic Commercial Vehicle market in 2009-10 recorded a robust  growth 
of 40.1% which resulted in the highest ever sales of 582,538 units in 2009-
10.  The market recorded significant growth in the second half of the  year 
mainly  due to a buoyant economy and easy availability of credit. This  can 
be  attributed  significantly  to the growth in  the  Index  of  Industrial 
Production (IIP) which grew steadily from a very low growth in the  initial 
part  of  the year to significantly higher growth towards the  end  of  the 
year.  Cumulatively, the IIP growth rate for 2009-10 was 10.4%  as  against 
2.8%  for the previous year. The growth in IIP was seen across all  sectors 
and  segments. Aided by these, the growth in volumes in the CV market,  was 
seen across all segments.

The domestic industry performance during 2009-10 and the Company's share is 
tabulated below:

Domestic	Industry sales	               Company sales 	   
                       (Nos.)                        (Nos.)	           
Category     2009-10     2008-09     Growth    2009-10    2008-09    Growth 

M&HCV	      245,063	 183,516      33.5%    155,161	  113,697     36.5%  
LCVs*	      337,475	 232,208      45.3%    218,681	  151,676     44.2%
Total	      582.538    415.724      40.1%    373.842    265.373     40.9%

Domestic            Company 
                 Market Share (%)  
Category      2009-10      2008-09     

M&HCV	    	63.3	    62.0
LCVs*	    	64.8	    65.3
Total	     	64.2 	    63.8

Source:  

Society of Indian Automobile Manufacturers report and Company Analysis. 

* Including Magic & Winger sales

The  Company's commercial vehicle sales in the domestic  and  international 
markets, at 401,720 vehicles, were 37.6% higher than the previous year. The 
Company  reported  domestic sales of 373,842 vehicles, a robust  growth  of 
40.9%  over the previous year. The Company recorded its highest ever  sales 
in  the  domestic commercial vehicle market. A  strong  product  portfolio, 
coupled  with  its  leadership in market  penetration/reach  and  extensive 
efforts  toward  finance  enablement for customers helped  the  Company  in 
increasing its market share in the last year. Most of the key international 
markets  were  affected more severely than India, by the  downturn  in  the 
previous  year.  With  a steady recovery in some  key  markets,  commercial 
vehicle exports also grew by 4.7%.

In  the  domestic market, the M&HCV segment grew by 33.5% on  the  back  of 
strong  growth  in the Indian economy. Growth in the core  sectors  of  the 
economy benefited the M&HCV segment. The Company's model LPT 3118 was  well 
received in most domestic markets and aided an increase in M&HCV sales. The 
Company  unveiled  in May 2009, the range of its next generation  of  heavy 
trucks-Prima.  The Prima sales have started and over the couple  of  years, 
the  Company plans to launch variety of models, rigid trucks, tractors  and 
tippers  in  the 'Prima' range. The market share of the  Company  increased 
from 62.0% to 63.3% in this growing market. The Company also completed  the 
delivery  of the 1,625 low floor entry Marcopolo buses to  Delhi  Transport 
Corporation  (DTC)  in 2009-10, in addition to 650 buses  supplied  in  the 
previous  year.  As a part of the stimulus package to help  the  automotive 
industry during crisis in the previous year as also to modernize the public 
transportation  in  the  cities,  the Government  of  India  announced  its 
intention to procure modern city buses under the JnNURM scheme. The Company 
secured  orders for over 5,000 buses, a significant portion of  which  have 
been supplied in 2009-10 and the balance will be supplied in 2010-11.

The  LCV segment showed spectacular growth throughout 2009-10 and  grew  by 
45.3%.  While this was largely aided by the growth in the small  commercial 
vehicles,  the  rest of the segment comprising the 4 and 7  tonne  segments 
also grew handsomely. The Company launched specific products in both  these 
segments  which helped increase in volumes and market shares.  The  Company 
also  launched the 407 Pick-up which was well received and is  expected  to 
increase  sales  of  pick-ups. Tata Ace sales continued  to  record  higher 
volumes  despite completing almost 4 years and its success is unmatched  in 
the  Indian  auto  industry. However competition in  the  small  commercial 
vehicle range increased with launch of vehicles by competition resulting in 
the Company losing market share of 0.5% to 64.8%. The Company launched  new 
variants on the Ace platform, Ace EX. Super Ace which are expected to  help 
in gaining additional volumes going forward.

At  the Auto Expo in January 2010, the Company unveiled the Magic Iris  and 
the Venture in the passenger carrier range and also the new range of  buses 
powered  by  the  next  generation of LCVs.  These  products  would  be  in 
commercial  production  in  2010-11  and  would  assist  in  improving  the 
Company's market share.

Passenger Vehicles

The sentiment in the year 2009-10 was significantly positive as compared to 
the  previous  year. The overall recovery in the economy coupled  with  the 
introduction  of  new  models in the market, availability  of  finance  and 
aggressive  pricing by all the players, resulted in a growth of 24.8%  over 
last year.

The  domestic  industry performance and the Company's  performance  in  the 
segments that it operates in is tabulated below:-

Domestic	          Industry sales               Company sales* 	   
                             (Nos.)                        (Nos.)	     
Category      2009-10     2008-09     Growth    2009-10    2008-09   Growth 

Small Car   1,191,300	 935,386      27.4%    158,093	  115,160     37.3%
(mini+
compact)	

Midsize Car   225,726	 245,571     (8.1%)	68,420	   53,057     29.0%

Utility       270,724	 223,255      21.3%	33,507	   39,295   (14.7%)
Vehicle/SUV	

Total       1,899,144 11,521,421      24.8%    260,020    207,512     25.3%
Passenger 
Vehicles#	

Domestic         Company 
                 Market Share* (%)  
Category      2009-10      2008-09     

Small Car   	13.3	      12.3
(mini+
compact)	

Midsize Car 	30.3	      21.6

Utility     	12.4	      17.6
Vehicle/SUV	

Total       	13.7	      13.6
Passenger 
Vehicles#	

Source:  

Society of Indian Automobile Manufacturers report and Company Analysis. 

* Including Fiat & JLR branded cars. 

# Including all segments.

In 2009-10, the Company recorded sales of 266,251 vehicles (including  Fiat 
& Jaguar Land Rover) in the domestic and overseas market, the highest  ever 
for the Company. The Company continued to be amongst the top three  players 
in  the  Indian  passenger vehicle market with  domestic  sale  of  260,020 
vehicles,  its highest ever and with a market share of 13.7%.  The  Company 
continued  to gain market share month-on-month on account of  new  products 
that  were  launched  and had matured during the  year.  The  Indica  Vista 
launched  in  the  previous year continued  to  receive  increasing  market 
acceptance and the Indigo Manza launched in October 2009 was extremely well 
received  in the market. The Company also rolled out the Tata Nano in  July 
2009.  With a slow recovery from the economic turmoil of the previous  year 
in key export markets, passenger vehicle exports declined by 9.9% over  the 
previous year.

The  small car industry continued to be the fastest growing segment of  the 
passenger  vehicle industry with a growth rate of 27.4%. A large  share  of 
this was driven by a recovery in the economy as well as fiercely increasing 
competition  with  the entry of global automobile manufacturers.  With  the 
introduction of 9 new models, a total of 25 models now compete for a  share 
of  this  attractive market. With the growing sales of the  Vista  and  the 
introduction  of the Nano and Fiat Punto, the Company improved its  overall 
market  share to 13.3% as against 12.3% in the previous year.  The  Company 
received  a total of 2.03 lakhs bookings for the Nano after the  launch  in 
March  2009.  With  deliveries  commencing  from  July  2009,  the  Company 
delivered 30,763 Nanos from its Uttarakhand facility. With construction  at 
the  Sanand  facility in Gujarat progressing on an  accelerated  pace,  the 
Company  started  trial  production  in the last  quarter  of  2009-10  and 
commercial production at Sanand started in April 2010.

The  entry midsize car industry grew at 17.7% with sales of  176,604  units 
during 2009-10. The Indigo range registered an increase of 10.9% consequent 
upon  launch of the Indigo Manza in October 2009, leading to  market  share 
gain,  ending the year with the highest ever sales in the Indigo  range  in 
March 2010. The Indigo CS continued to be well received in the market.

The Utility Vehicle market, which had declined by 6.5% last year,  reversed 
the  trend in 2009-10 and bounced back, growing by 21.3%. The Company  sold 
33,507 units, a decline of 14.7% against the last year and as a result  its 
market  share dropped to 12.4% from 17.6% in the previous year. The  Grande 
Mk  II launched in December 2009 has been well accepted in the  market  and 
the  Venture and Aria (unveiled in the Delhi Auto Expo) to be  launched  in 
mid 2010-11 will assist in regaining market share in this segment.

The  Company  sold 24,884 Fiat cars in 2009-10,  representing  1.3%  market 
share  of  Fiat  brand against 0.5% in the previous year.  Linea  sales  at 
11,102  units  (market share 10.1% in the upper mid-size  car  market)  and 
Grande Punto sales at 13,281 units (market share 3.5% in the B compact  car 
market) have assisted the Company in achieving a higher market share.

The  Company sold 225 Jaguar and Land Rover vehicles in its first  year  of 
launch  of the Jaguar Land Rover brands in India. These brands are  getting 
an extremely good response in the market and the Company is increasing  its 
dealership footprint across the country.

Financial  Performance  as  a  measure of  Operational  Performance  (on  a 
standalone basis)

Overall  economic  recovery and a benign liquidity environment  along  with 
government stimulus have driven domestic demand revival during the  current 
year. With the upturn in economy, the Company revenue has grown by 38.9% in 
2009-10.  Operating margin was higher due to increase in volumes  and  cost 
reduction  initiatives  taken by the Company. The Company  recorded  Profit 
before  tax of Rs.2,829.54 crores, growth of 179.1%. The Profit before  tax 
includes  Rs.1,112.51  crores  profit on sale of  controlling  stake  in  a 
subsidiary   company  and  loss  of  Rs.850.86  crores  on  redemption   of 
investments  in preference shares held in a subsidiary company. The  Profit 
after tax which increased to Rs.2,240.08 crores from Rs.1,001.26 crores  in 
2008-09 had recorded a growth of 123.7%. The following table set forth  the 
breakup of the Company's expenses as part of the net turnover.

                                                    Percentage of Turnover
	                                             2009-10	    2008-09

Turnover net of excise duty	                       100.0	      100.0

Expenditure:

Material (including change in 
stock and processing charges)	                        71.7	       75.7

Employee Cost	                                         5.2	        6.0

Manufacturing and other expenses (net)	                11.4	       11.4

Total Expenditure	                                88.3	       93.1

Other Income	                                         5.2	        3.6

Profit before Exceptional Item, 
Depreciation, Interest and Tax	                        16.9	       10.5

Depreciation (including product 
development expenditure)	                         3.3	        3.6

Interest and Discounting Charges (Net)	                 3.1  	        2.6

Exchange Loss (Net) on revaluation of                    0.2	        0.3
foreign currency borrowings, deposits 
and loans given	

Loss on redemption of investments in                     2.4	          -
Preference Shares held in a 
subsidiary company	

Profit before Tax	                                 7.9	        4.0

Turnover net of excise duty

Turnover  net of excise duty increased by 38.9% to Rs.35,593.05  crores  in 
2009-10 from Rs. 25,629.73 crores in 2008-09. The total number of  vehicles 
sold  during  the  year increased by 31.9% to 667,971  units  from  506,421 
units.  The  domestic  volumes increased by 34.0%  to  633,862  units  from 
472,885  units  in 2008-09, while export volumes, marginally  increased  by 
1.7% to 34,109 units from 33,536 units in 2008-09. Gross turnover from sale 
of  vehicles  including export and other incentives increased by  37.1%  to 
Rs.34,677.40  crores  from Rs.25,302.71 crores in 2008-09.  Sale  of  Spare 
parts  for  vehicles  increased  by  19.5%  to  Rs. 2,263.54  crores   from 
Rs.1,894.92 crores in 2008-09.

Material (including change in stockand processing charges) 	

                                                            (Rs. in crores)
                         2009-10      2008-09       Change                %

Consumption of         20,392.60    16,187.68	   4,204.92	       26.0
raw materials 
and components	

Purchase of 
product for sale	4,513.23     2,180.32	   2,332.91	      107.0

Processing Charges	1,212.90       810.60	     402.30	       49.6

Change in Stock-in-
trade and Work-
in-progress	        (606.63)       238.04	   (844.67)	    (354.7)

Material (including 
change in stock and 
processing charges)    25,512.10    19,416.64	   6,095.46	       31.4

Net  Raw  Material consumption including processing  charges  increased  by 
31.4%  to Rs.25,512.10 crores from Rs.19,416.64 crores in 2008-09,  due  to 
increase in vehicle volumes. Material cost as a % of net turnover decreased 
to 71.7% from 75.7% for the last year. The input price increases during the 
year was off set by cost reduction programme through value engineering  and 
other measures.

Employee Cost: 

The employee cost increased by 18.4% to Rs.1,836.13 crores from Rs.1,551.39 
crores  in 2008-09, mainly due to normal annual  increments/promotions  and 
increase  in  headcount.  The Company continues to  focus  on  measures  to 
improve/manage employee cost and productivity.

Manufacturing and Other Expenses: 

The  manufacturing and other expenses as a percentage of net turnover  have 
remained at 11.4% for both the years. In absolute terms, the expenses  have 
increased to Rs.4,066.54 crores in 2009-10 from Rs.2,909.26 crores in 2008-
09.  The  increase  is  due to variable costs on  account  of  increase  in 
volumes, such as sales incentives, warranty, freight etc.

Other Income increased to Rs.1,853.45 crores from Rs.925.97 crores in 2008-
09,  mainly due to higher profit on sale of investments. Other  income  for 
2009-10  includes profit of Rs.1,801.12 crores (Rs.520.27 crores for  2008-
09)  on  sale  of its investments [including profit on sale  of  shares  in 
Telcon]  and dividend from subsidiary companies Rs.7.62  crores  (Rs.307.34 
crores for 2008-09).

Profit  before Exceptional Items, Depreciation, Interest and Tax  increased 
by  125.2%  to Rs.6,031.73 crores from Rs.2,678.41 crores of  2008-09.  The 
increase  reflects volume effect, increased operating margin and  increased 
in other income.

Depreciation  and amortization (including product development  expenditure) 
for 2009-10 increased by 27.2% to Rs.1,177.90 crores from Rs.925.71  crores 
in 2008-09. The increase represents impact on account of additions to fixed 
assets  towards  plant  and  facilities for  expansion  and  new  products. 
Further,  there  has  been  an  increase  in  amortization  consequent   to 
capitalization of product development cost relating to various new products 
- Prima, Indigo Manza, Nano and other products.

Net interest cost increased to Rs.1,103.84 crores from Rs.673.68 crores  of 
2008-09.  The  borrowings  have  increased mainly  on  account  of  capital 
expenditure   and  investment  in  subsidiary  SPV  companies  related   to 
acquisition/meeting  additional  funding requirements of  Jaguar  and  Land 
Rover  business. A significant portion of the volume effect was  offset  by 
the Company by raising finances at competitive rates.

Exceptional Items: 

TML  Holdings Pte. Ltd., Singapore (TMLHPL), a wholly owned  subsidiary  of 
the  Company,  had  accumulated losses on account of  finance  charges  and 
acquisition related expenses for the Jaguar and Land Rover acquisition.  In 
order  to  restructure TMLHPL's balance sheet, it has  redeemed  preference 
shares  of  the face value of US$195.1 million at a  discount  of  US$189.2 
million. Consequent to the redemption, the Company has recognized a loss of 
Rs.850.86 crores.

Profit Before Tax (PBT) of the Company increased to Rs.2,829.54 crores from 
Rs.1,013.76 crores in 2008-09, representing an increase of 179.1%.

Tax expenses increased to Rs.589.46 crores from Rs.12.50 crores in 2008-09. 
The effective tax rate for 2009-10 is 20.8% of PBT as compared to 1.2%  for 
2008-09.  While  the  tax  expense continues to be  lower  as  compared  to 
marginal  rate  of tax of 33.99%, the increase in tax rate in  the  current 
year is mainly due to the fact that the Company had marginal tax  liability 
in  2008-09, on account of overall low profitability, higher proportion  of 
'Other Income' not liable to tax/liable to lower tax.

Profit  After Tax (PAT) of the Company increased by 123.7%  to  Rs.2,240.08 
crores  from Rs.1,001.26 crores in 2008-09. Basic Earnings Per Share  (EPS) 
increased to Rs.42.37 as compared to Rs.22.70 last year for Ordinary Shares 
and Rs.42.87 as compared to 23.20 for 'A' Ordinary Shares.

Balance  Sheet size (Fixed Assets, Investments and Net Current  Assets)  of 
the  Company  increased to Rs.33,100.02 crores as at March  31,  2010  from 
Rs.26,425.64  crores as at March 31, 2009. The increase is attributable  to 
capital  expenditure incurred by the Company and strategic investments.  As 
at  March  31, 2010, the Share Capital of the Company  stood  at  Rs.570.60 
crores.

Fixed Assets                                                (Rs. in crores)
		          2009-10      2008-09	       Change            %

Gross Fixed Assets      23,648.96    20,852.06	     2,796.90	       13.4
(including capital 
work in progress)	

Accumulated 
Depreciation	       (7,212.92)   (6,259.90)	     (953.02)	       15.2

Total	                16,436.04    14,592.16	     1,843.88	       12.6

The  gross  fixed assets including Capital Work in  Progress  increased  to 
Rs.23,648.96  crores  as  at March 31, 2010 as compared  to  Rs.  20,852.06 
crores  as  at March 31, 2009. After considering the depreciation  the  net 
block  represent Rs.16,436.04 crores as at March 31, 2010, an  increase  of 
Rs.1,843.88 crores. The major additions were Nano project at Sanand,  plant 
and  facilities for World Truck etc. and product development  cost,  mainly 
towards Nano, Prima and other new products.

Investments  increased  to  Rs.22,336.90 crores as at  March  31,  2010  as 
compared  to  Rs.12,968.13  crores as at March 31, 2009.  The  Company  has 
invested  Rs.10,575.60  crores  in  equity and  preference  shares  of  TML 
Holdings (Pte) Ltd, Singapore, which in turn prepaid the bridge loan  taken 
for  acquisition of Jaguar and Land Rover business. Further,  TML  Holdings 
(Pte)  Ltd, Singapore has redeemed preference shares of  Rs.877.16  crores. 
The Company sold part of its investments in Tata Steel Ltd and 20% stake in 
Telco Construction Equipment Co. Ltd.

Net Current Assets 	                                   (Rs. in crores)
	                        2009-10      2008-09	   Change	 % 

Current Assets,               11,537.98	    9,540.25	  1,997.73     20.9
Loans and Advances 

Current Liabilities         (14,609.16)	  (8,597.97)	(6,011.19)     69.9

Provisions                   (2,763.43)	  (2,078.95)	  (684.48)     32.9

Net Current Assets           (5,834.61)	  (1,136.67) 	(4,697.94)    413.3

Net  current assets decreased to Rs.(5,834.61) crores as at March 31,  2010 
from  Rs.(1,136.67)  crores  as at March 31,  2009.  The  inventories  have 
increased  due to increase in turnover. The sundry debtors  have  increased 
due  to  higher  year  end  sale  and  sale  to  various  state   transport 
undertakings  whose payments are received after 60 to 90 days  of  billing. 
Current  liabilities  have  increased  due to  increase  in  purchase  bill 
discounting and liability towards premium on redemption of non  convertible 
debentures.  Provisions  have increased mainly on account  of  increase  in 
proposed dividend.

Gross debt (total of secured and unsecured loans) increased to Rs.16,625.91 
crores as at March 31, 2010 as compared to Rs.13,165.56 crores as at  March 
31, 2009. The following were the main changes impacting the gross debt:-

1. Issue of privately placed Non-Convertible Debentures of Rs.4,200  crores 
and  US$375  million (Rs.1,794 crores) Foreign Currency  Convertible  Notes 
(FCCN).  These  were used for payment of bridge loan taken for  Jaguar  and 
Land Rover acquisition.

2. Debt taken for investments in fixed assets.

3. Increase in Fixed Deposit portfolio by Rs.1,940.98 crores

4. Reduction in debts (FCCN/CARS) mainly on account of positive movement of 
exchange rates.

5.  Offer  to  the  FCCN holders, an option to  convert  their  Notes  into 
Ordinary Shares during a limited period. This enabled the Company to  lower 
the debt by Rs. 1,556 crores.

Net debt (gross debt reduced by available cash and bank balances and mutual 
fund  investments)  stood at Rs. 14,962.33 crores as at March 31,  2010  as 
compared to Rs. 12,486.66 crores as at March 31, 2009.

The  cash  generated  from operations before working  capital  changes  and 
before  considering  deployment  in  the  vehicle  financing  business  was 
Rs.4,354.63 crores as compared to Rs.1,556.70 crores in the previous  year. 
This  reflects  turnaround  in the operations mainly  due  to  volumes  and 
profitability. There has been a net positive movement of Rs.2,750.61 crores 
as  compared  to negative Rs.95.66 crores in 2008-09, in  respect  of  cash 
flows  relating  to  receivables,  inventory,  trade  payable  and  vehicle 
financing  loans.  Thus  the  net cash generated  from  operations  was  at 
Rs.6,586.03 crores as compared to Rs.1,295.02 crores in the previous  year. 
The cash and bank balances have increased by Rs. 611.44 crores.

Opportunities and Risks

Opportunities

Road development: 

Continued improvement in road infrastructure in coming years is expected to 
have a positive effect on automobile sales. According to Ministry for Road, 
Transport  and Highways, the government will spend about  Rs.1,000  billion 
over  future years, with a target of building 20 km of road every day.  The 
Golden  Quadrilateral road project was 99% complete as on March  31,  2010. 
Over  65% of the planned roads under the North South East West (NSEW)  road 
corridor project have been completed till February 2010. Rural connectivity 
is expected to correspondingly improve which would expand significantly the 
population/markets/supply  sources  participating in the  overall  economic 
growth.  The Eleventh five year plan has projected a requirement  of  about 
Rs.  41,000 crores for improving rural road  conditions/connectivity  under 
the PMGSY programme (Pradhan Mantri Grameen Sadak Yojna).

Improvement in road infrastructure at a faster pace will facilitate swifter 
transportation  of goods and passengers, and would in turn create a  demand 
for  safer, reliable and faster vehicles. With its wide range of goods  and 
passenger  transportation  vehicles ranging from 0.75 Ton load  carrier  to 
large  haulage  tractors (49T) for goods movement, buses  and  coaches  for 
public transportation and passenger cars and utility vehicles for  personal 
transportation, the Company is poised to gain significantly with these.

Population Dividend and Increase in income levels: 

India  has the youngest population in the world, with about 65%  under  the 
age  of 35. Further, about 63% of the Indian population is in  the  working 
age group (19-64 years). The income levels in India, have more than doubled 
in the last seven years as indicated by Per Capita Income. It is  predicted 
that  the  Per  Capita Income in India, would  continue  to  increase  with 
comparatively  higher saving rate. Growing middle income  level  population 
and  rise in their average income levels all augur well for the  automotive 
industry,  both in terms of personal transportation needs as well as  goods 
movement.

Growing consumer culture: 

In India, the demand for a better lifestyle has enhanced consumption levels 
and  rapid growth in several segments like retail chains,  cellular  phones 
and  cable  and satellite television. Proliferation of  mobile  phones  and 
satellited   televisions  is  leading  to  urbanization  of   mindset   and 
consumerism  in  rural  people. With increasing desire  for  leading  urban 
lifestyle,  per  capita  movement between villages  and  urban  centres  is 
expected to witness an explosive growth in the coming year, which will lead 
to  huge  demand  for passenger carriers and  buses.  Consumerism  is  also 
expected to lead to an increase in car penetration from the current  levels 
of  8  per  thousand  towards the 500+levels  witnessed  in  the  developed 
countries. The Company, with its wide portfolio is expected to benefit from 
improvement in lifestyle and higher aspiration levels in passenger cars and 
potential growth in freight movement.

Rural Market Growth: 

As  per  the recent report by Accenture Consulting, rural spending  is  now 
less dependent on farm income, with less than 50% of the rural income being 
contributed   by  farm  income.  Income  remittances  from  migrant   rural 
populations and increases in non-farm activities such as trading and  agro-
processing are boosting non-farm income. The increase in procurement prices 
and improved access to finance and institutional credit has brought greater 
wealth  to  rural  households.  Policy  measures  such  as  the  waiver  of 
agricultural  loans  and  the National Rural  Employment  Guarantee  Scheme 
(NREGS),  which  guarantees 100 days of employment to one member  of  every 
rural  household,  and increased government spending in rural  areas,  have 
helped to reduce rural under-employment and raised rural income levels.  It 
is  estimated  that  compared with 48% of motorcycles sales  in  the  rural 
areas,  only  11%  of cars/UVs sales are today  contributed  by  the  rural 
market, which indicates a potential growth opportunity in this market.  The 
Company  has  planned  affordable  transport  solutions  and   distribution 
channels to leverage the opportunities presented by this market.

International Business: 

India continues to be a cost competitive source for the automotive industry 
globally,  both  for vehicles and components.  India's  manufacturing  base 
continues   to   benefit   from  these   scale   economies   coupled   with 
technology/quality improvements. The Company has opportunities to  increase 
its  exports  significantly,  particularly with the  new  and  contemporary 
product offerings in commercial vehicles and passenger cars. The Company is 
also  setting  up/exploring manufacturing footprint overseas,  which  would 
combine  these  advantages  with local operations  and  sourcing  in  these 
markets.

Risks

Hardening of interest rates and other inflationary trends: 

Further  hardening of consumer interest rates could have an adverse  impact 
on  the  automotive  industry.  Increase in inflation  could  also  have  a 
negative impact on automobile sales in the domestic market.

Fuel Prices: 

As compared to the volatility in international oil prices in 2008-09  (from 
a high of US$145 per barrel in June 2008 to a low of US$30 per barrel), the 
fuel  price has remained high at about US$85 in 2009-10. In India the  fuel 
prices  are  subsidized  by  the  Government  and  going  forward  may   be 
decontrolled.  Higher  fuel  prices will force the consumers  to  think  of 
alternative  transportation solutions  or  defer  purchases. The  Company's 
product  programmes encompasses initiatives to improve fuel  efficiency  of 
its  products  and investing in programmes for development  of  alternative 
solutions.  The  Kirit  Parikh committee recommendations  that  the  retail 
prices of petrol and diesel to be market determined and that an  additional 
excise  duty  of  Rs.80,000  per  car to  be  levied  on  diesel  cars,  if 
implemented, could adversely impact demand.

Input Costs: 

With many economies coming out of recession, prices of commodity items like 
steel,  non-ferrous,  precious metals, rubber and  petroleum  products  are 
expected to rise significantly. Whilst the Company continues to pursue cost 
reduction initiatives, increase in price of input materials could  severely 
impact  the  Company's profitability to the extent that the  same  are  not 
absorbed by the market through price increases and/or could have a negative 
impact on the demand in the domesticmarket.

Government Regulations: 

Stringent   emission   norms  and  safety  regulations  could   bring   new 
complexities  and  cost increases for automotive  industry,  impacting  the 
Company's  business. WTO, Free Trade Agreements and other similar  policies 
could make the market, more competitive for local manufacturers.

In  the  international  markets,  many of  which  have  stricter  norms  of 
regulations related to emission, safety, noise, technology etc, the Company 
competes  with international players which have global brand image,  larger 
financial  capability  and multiple product platforms.  These  factors  may 
impact demand of the Company's products in international markets.

Global Competition: 

India  continues to be an attractive destination for the global  automotive 
players.  The  global automotive manufacturers present in India  have  been 
expanding   their   product  portfolio  and  enhancing   their   production 
capacities.  To  counter  the threat of  growing  global  competition,  the 
Company  has  planned to bridge the quality gap between  its  products  and 
foreign    offerings    while   maintaining   its    low    cost    product 
development/sourcing advantage.

Exchange Rates: 

Our  operations are subject to risk arising from fluctuations  in  exchange 
rates  with  reference  to  countries in  which  we  operate.  These  risks 
primarily  relate to fluctuations of Pound to US Dollar, Japanese  Yen  and 
Euro, and fluctuations of Indian Rupee against Pound, US Dollar and Euro.

We import capital equipment, raw materials and components and also sell our 
vehicles  in  various  countries. These  transactions  are  denominated  in 
foreign  currencies, primarily the U.S. dollar and Euro. Moreover, we  have 
outstanding foreign currency denominated debt and hence we are sensitive to 
fluctuations  in foreign currency exchange rates. We have  experienced  and 
expect  to  continue  to experience foreign exchange losses  and  gains  on 
obligations denominated in foreign currencies in respect of our  borrowings 
and  foreign currency assets and liabilities due to currency  fluctuations. 
Although  we  engage  in currency hedging as per our  policy  in  order  to 
decrease our foreign exchange exposure, the weakening of rupee against  the 
dollar or other major foreign currencies may have an adverse effect on  our 
cost of borrowing and consequently may increase our financing costs,  which 
could have a significant adverse impact on our results of operations.

New Project Execution: 

Intensifying  competition, reducing product life cycles and breadth of  the 
Company's  product  portfolio,  necessitates the  Company  to  continuously 
invest in new products, upgrades and capacity enhancement programme. Though 
the Company employs sophisticated techniques and processes to forecast  the 
demand  of new products yet the same is subject to margin of error.  Timely 
introduction  of  new products, their acceptance in the  market  place  and 
managing   the  complexity  of  operations  across  various   manufacturing 
locations, would be the key to sustain competitiveness.

Outlook

In 2009-10, the first half was slightly weak; however economies across  the 
world  (with  a few exceptions) have signs of revival. In  2010-11,  global 
growth  is expected to be more than 4% as compared in 2009-10.  The  Indian 
economy  is  expected to grow by 8.8% according to the IMF  World  Economic 
Outlook.  Other structural factors being favourable, this augurs  well  for 
the  Indian  automotive sector. Key markets for Jaguar Land Rover  such  as 
China,  Russia, and Middle East are expected to grow, while the UK, USA  is 
expected to recover moderately. Commercial vehicle industry continues to be 
highly  dependent on the developments in infrastructure  and  manufacturing 
activity  in  the  country. With increase in  the  Government  spending  on 
infrastructure  and increase in the industrial production,  the  commercial 
vehicle industry is expected to do well in the next year.

With recovery in the global markets, there is expected to be an increase in 
the  commodity prices, in turn increasing the input costs.  Interest  rates 
and  liquidity may be affected as a result of inflationary  pressures.  The 
competition  in both commercial and passenger vehicle segments is  expected 
to intensify in the next year.

On  the above background, the Company will continue to focus  on  retaining 
its  advantage of rich product portfolio, market reach and penetration  and 
the  'Tata' brand, in order to be close to its customers. The Company  will 
continue  to  introduce to the market, new products and variants,  some  of 
which  have already been unveiled at the Delhi Auto Expo this  year.  These 
will offer superior value to the customers and improve the Company's market 
position.  Aggressive  cost  reduction will be accentuated  to  offset  the 
increase in input costs.

The   Company   will  also  aggressively  pursue   opportunities   in   the 
International markets as they recover from the downturn.

Jaguar Land Rover will continue to focus on cost reductions to improve  its 
cost base and competitive positioning in the market. It will also focus  on 
increasing  its presence in the emerging markets such as China  and  Middle 
East  along  with launching new products and variants  and  new  technology 
initiatives for emission level reductions.

Internal Control Systems and their adequacy

The  Company  has  in place adequate system of  internal  control.  It  has 
documented procedures covering all financial and operating functions. These 
controls  have been designed to provide a reasonable assurance with  regard 
to  maintaining  of proper accounting controls, monitoring  of  operations, 
protecting  assets  from  unauthorized  use  or  losses,  compliances  with 
regulations  and  for  ensuring reliability  of  financial  reporting.  The 
Company  has continued its efforts to align all its processes and  controls 
with global best practices in these areas as well.

Some significant features of the internal control systems are:

Corporate policies on accounting and major processes;

Well-defined  processes for formulating and reviewing annual and long  term 
business  plans;  Preparation  and monitoring of  annual  budgets  for  all 
operating and service functions;

State-of-the-art ERP, Supplier Relations Management and Customer  Relations 
Management,  connect  its  different locations,  dealers  and  vendors  for 
efficient and seamless information exchange;

An on-going program for reinforcement of the Tata Code of Conduct. The Code 
covers  integrity  of  financial  reporting,  ethical  conduct,  regulatory 
compliance,  conflict  of interests review and reporting of  concerns.  All 
employees of the Company are regularly exposed to communications under this 
program;

Bi-monthly  meeting  of the management committee at apex  level  to  review 
operations and plans in key business areas;

A well established multidisciplinary Internal Audit team, which reviews and 
reports  to  management and the Audit Committee about the  compliance  with 
internal  controls and the efficiency and effectiveness of  operations  and 
the key process risks;

Audit   Committee  of  the  Board  of  Directors,  comprising   independent 
directors,  which  is functional since August 1988, regularly  reviews  the 
audit  plans,  significant audit findings, adequacy of  internal  controls, 
compliance  with  Accounting Standards as well as reasons  for  changes  in 
accounting  policies  and practices, if any;  A  comprehensive  information 
security  policy  and continuous upgrades to IT system;  Documenting  major 
business  processes  and  testing  thereof  including  financial   closing, 
computer  controls  and entity level controls as part  of  compliance  with 
Sarbanes-Oxley Act;

Anti-fraud programme.

The Board takes responsibility for the total process of risk management  in 
the organisation. The Audit Committee reviews reports covering operational, 
financial  and  other  business  risk areas.  Through  an  Enterprise  Risk 
Management  programme, each Business Unit addresses opportunities  and  the 
attendant  risks through an institutionalized approach that is  aligned  to 
the  Company's objectives. This is also facilitated by internal audit.  The 
business risks is managed through cross functional involvement and  intense 
communication  across  businesses.  Results  of  the  risk  assessment  and 
residual risks are presented to the senior management.

Material Developments in Human Resources/Industrial Relations

A   cordial   industrial  relations  environment  prevailed  at   all   the 
manufacturing  units  of  the  Company  during  the  year.  The   permanent 
employee's  strength  of the Company as on March 31, 2010  was  24,310.  In 
April 2010, the Company entered into a landmark three year wage  settlement 
with its Union at Pune through amicable process of negotiations.

Comments on the performance of major subsidiaries

The consolidated financial results for 2009-10 include the results of  Tata 
Motors and its subsidiaries. The consolidated operations are  significantly 
dominated   by  Jaguar  Land  Rover  (JLR)  and  the  Company  (TML).   The 
consolidated  financial information for 2008-09 includes JLR for 10  months 
as compared to 12 months in 2009-10.

Following   is  the  brief  overview  of  the  performance  of  the   major 
subsidiaries:

Jaguar and Land Rover Business: 

During  the  year,  external environment for  JLR  remained  unstable  with 
depressed  demand  in  most of the key markets,  low  confidence  level  in 
financial  markets, volatility in exchange rates and rising input  material 
prices. Market for premium cars remained weak especially in the first  half 
of  the  financial year, but in the later half of the  year  improved  with 
growth witnessed in each successive quarter. Wholesale volumes for  2009-10 
were 193,982 units. The prior reporting period only covered ten months  and 
therefore  not  directly comparable; however the overall  trend  showed  an 
improvement.

The  financial results of JLR continued to show improvement throughout  the 
year  and resulted in JLR reporting a profit before tax of  Euro32  million 
for  the  year. In addition to this, the last quarter  results  represented 
second successive quarter of positive profit after tax, contribution margin 
improvement and positive cash flow.

The  key  markets,  in which JLR operates,  experienced  negative  economic 
growth  in  the early part of the financial year. However,  most  of  these 
major markets started witnessing growth from third quarter of the year.

Wholesale volumes for the full year ending March 2010 were 47,418 units for 
Jaguar  and 146,564 units for Land Rover. The prior reporting  period  only 
covered  ten  months  and therefore not directly  comparable,  however  the 
overall  trend  showed an improvement. Limited availability of  the  X-Type 
(production ceased in December 2009) and the outgoing XJ (production ceased 
in  May 2009) have suppressed sales, counteracted by the demand  driven  by 
the introduction of the new 10MY product launches.

Retail  volumes  in  the UK for the period  totalled  57,056  while  retail 
volumes in North America totalled 41,720. Retail growth in China  continued 
to  be  strong  across all products with total retail  volumes  of  17,004. 
Retails  in Russia totalled 8,831 units, significantly lower than  previous 
periods reflecting the difficult local market conditions. During the  year, 
automotive sector in the UK, Europe and the USA, benefitted from a  variety 
of  vehicle scrappage schemes. However, these schemes had  minimal  benefit 
for premium vehicle segment in which it operates.

The  new Jaguar XJ was unveiled in London in July 2009 and had  its  public 
debut  at  the Frankfurt International Motor show in  September  2009.  The 
vehicle  received  significant media acclaim ahead of  customer  deliveries 
commencing  in 2010-11. This is an important new model which  replaces  the 
previous generation XJ model. The new model features the next generation of 
Jaguar's  aerospace-inspired  aluminium  body  architecture,  a  choice  of 
standard  or  long  wheelbase models, enhanced power  trains  with  all  of 
Jaguar's new ultra-efficient Gen III 5.0 litre petrol and 3.0 litre  diesel 
engines  available, together with the highest standards of personal  luxury 
and specification. Among the product innovations is its instrument  cluster 
with a 12th in film transistor (TFT) screen.

During  2009 Jaguar launched 10MY products including the introduction of  a 
new  naturally aspirated and supercharged 5.0 litre petrol engine  for  the 
models XF, XK and XKR and the all new XFR, along with an acclaimed new  3.0 
litre  diesel  engine  in  the  XF  model  giving  significantly   improved 
performance  and fuel economy. Jaguar's 10MY product actions  continued  to 
deliver  positive sales performance. Sales of the Jaguar XF were up 30%  in 
quarter 4 versus the same period last year.

The  new  LR-V8  5.0 supercharged petrol and  LR-TDV6  3.0  diesel  engines 
introduced in the 2010 model year (MY) were designed to deliver significant 
improvements  in  performance, fuel economy and emissions.  2010  MY  Range 
Rover was available for sale from July 2009 with 2010 MY Range Rover  Sport 
and  Discovery 4/LR4 being available from September 2009. Fuel  consumption 
in the Range Rover LR-V8 5.0 supercharged has been reduced by 7.3 per  cent 
and  CO, emissions reduced by 7.4 per cent. The LR-TDV6 3.0 diesel  reduces 
fuel  consumption by 8.9 per cent and CO, emissions by 8.3 per cent in  the 
Range  Rover  Sport  and  9.7 per cent and 9.6  per  cent  respectively  in 
Discovery 4/LR4 (on EU combined cycle).

Land  Rover during the year confirmed the production plan of  its  exciting 
LRX  concept car. The new vehicle will debut in 2010-11 and join the  Range 
Rover line-up in 2011-12 and will be the smallest, lightest, most efficient 
Range Rover ever.

On June 1, 2009, JLR's official entry to the fast growing Indian car market 
was  marked by the opening of a flagship showroom facility in  Mumbai.  JLR 
will  continue  to  grow  its presence in  the  Indian  market  by  opening 
additional dealerships across India.

During  the  year, JLR also completed guarantee arrangements to  allow  the 
drawdown  of  a Euro338m EIB loan which will further  advance  Jaguar  Land 
Rover's  research and development programmes focused on  technologies  that 
will  reduce  CO, emissions from its vehicles; agreed a syndication  of  an 
inventory financing facility to increase the available funding from Euro85m 
to  Euro116m;  negotiated renewal of a US$200m loan for  another  year  and 
repaid short term borrowing totaling Euro 220m.

In  November  2009, JLR completed the process of separating  operations  in 
markets  where  it previously operated as part of Ford  legal  entity.  JLR 
continued  to work with Ford to separate its IT infrastructure and  support 
systems  that  is expected to be completed by the end of first  quarter  of 
FY 2011.

Tata  Daewoo Commercial Vehicles (TDCV): Financial year 2009-10 was a  very 
challenging  year for TDCV. TDCV faced severe slowdown in its  main  export 
markets,  coupled  with  an appreciating currency.  These  factors  had  an 
adverse  impact  on  its  profitability. However, TDCV  paved  the  way  to 
strengthen  its presence in the domestic market with the successful  launch 
of  its new range of premium trucks 'PRIMA'. The financial  instability  of 
the  company's  sole  distributor  in  domestic  market  has  brought   new 
challenges  and opportunity for the company to set-up  alternate  marketing 
and  distribution  channels. In heavy commercial vehicle, TDCV  sold  3,080 
vehicles  in  2009-10  with a market share of 28.1% as  compared  to  2,678 
vehicles  and market share of 28.4% for 2008-09. In the medium  duty  truck 
market  TDCV  sold  2,273 units in 2009-10 with a  market  share  of  23.7% 
compared  to 2,138 units in 2008-09 and a market share of 25.6%; a fall  of 
1.9%  in total market share. The Gulf Cooperation Council block,  which  is 
the major export market for TDCV had been one of the worst affected  during 
the  global financial crisis. These countries are largely dependent on  oil 
revenues  and  with oil prices at relatively lower  level,  they  cancelled 
and/or indefinitely postponed their order for our commercial vehicles.  The 
Company exported 3,562 units in 2009-10 compared to 4,184 units in 2008-09, 
a  decline of 14.9%. Majority of exports were made to countries  like  Iraq 
and  Algeria.  TDCV  bagged an export order of 2,570 units  from  the  IRAQ 
Ministry  of  Defense, out of which 1,500 units have  been  shipped  during 
2009-10.

Tata Motors Finance Ltd (TMFL): 

The  year under review has been a year of consolidation for TMFL  resulting 
in  an  improved operating performance. Many facets  of  TMFUs  operations, 
including  disbursements,  management of non-performing assets as  well  as 
collection efficiencies have shown significant improvements. As the economy 
recovered during the first half of the year, a strong focus on  controlling 
overall  costs,  coupled  with  a  focus  on  improving  quality  of  fresh 
acquisitions and micro-management of collections, has set the  organization 
on a robust platform. TMFL has shown improvements in disbursements as  well 
as  net  interest margins, despite very aggressive prices offered  by  some 
private and state owned banks.

With  a  spurt in the volumes of Tata Motors, the disbursals of  TMFL  also 
increased  substantially. During the year TMFL achieved a market  share  of 
24.8%  for  Commercial  Vehicles and Passenger car  segment  combined.  The 
number  of  contracts  booked in the FY 09-10 was 148,016  as  compared  to 
108,835; an increase of 36% in 2009-10. TMFL initiated several measures  to 
improve the management of the NPA's and also improve margins and  operating 
efficiencies.  This  resulted  in  increase in  its  Profit  after  Tax  by 
Rs.164.88 crores, which represents 136.6% increase as compared to 2008-09.

Tata Technologies Ltd (TTL): 

In 2009-10 the Profit before Tax increased by 35.8% as compared to 2008-09. 
This was on account of:

- Cost saving plan containing impact of recession on earnings and margin.

-  Improving operational efficiency with project profitability  and  shared 
service.

- Improvement in off-shore customers.

- Accelerating diversification in Global services and PLM Solutions.

Comments on Financial Performance on a Consolidated basis

The  sales  net  of excise duty on a consolidated basis,  have  recorded  a 
growth  of  30.5%  in  2009-10 to  Rs.92,519.25  crores.  The  increase  is 
attributable to growth in revenue both at Tata Motors and Jaguar Land Rover 
business  on  the  background  of robust  growth  in  automotoive  volumes. 
Automotive operations is our most significant segment, accounting for 96.9% 
and 95.8% for fiscal 2010 and 2009 respectively, of our total revenues. For 
Fiscal  2010,  revenue  from automotive  operations  before  inter  segment 
eliminations was Rs.89,615.07 crores as compared to Rs.67,877.07 crores for 
fiscal  2009. (A reference may be made to review of performance of TML  and 
Jaguar Land Rover business discussed above).

The  following table set forth selected consolidated financial  information 
for the Company, including as a percentage of turnover net of excise  duty, 
for the year ended March 31, 2010 and 2009.

Percentage of Turnover		                            (Rs. in crores)
		                                         2009-10    2008-09

Turnover net of excise duty	                          100.0	      100.0
Expenditure:

Material Cost (including change in 
stock and processing charges)	                           67.4        68.5

Employee Cost	                                            9.5	       10.3

Manufacturing and other expenses	                   18.8	       24.6

Expenditure transferred to 
capital and other accounts	                          (5.0)	      (6.5)

Total Expenditure	                                   90.7	       96.9

Other income	                                            1.9	        1.1

Profit before Exceptional Item, 
Depreciation, Interest and Tax	                           11.2	        4.2

Depreciation (including product 
development expenditure)                                    4.7	        4.0

Interest and Discounting Charges (Net)	                    2.4	        2.7

Exceptional items	                                    0.3	        0.5

Profit/(loss) before Tax	                            3.8	      (3.0)

Material Cost (including change in stock 
and processing charges)		                            (Rs. in crores)
                                                   2009-10	    2008-09

Consumption of raw materials and components	  54,105.54	  40,253.38

Purchase of product for sale	                   8,538.52	   6,978.22

Processing Charges	                             878.99	     559.64

Change in Stock-in-trade and Work-in-progress	 (1,148.67)	     793.04

Material (including change in stock 
and processing charges)	                          62,374.38	  48,584.28

Net  Raw  Material consumption including processing  charges  increased  by 
28.4%  to Rs.62,374.38 crores from Rs.48,584.28 crores of 2008-09,  due  to 
increase in vehicle volumes. The material cost has come down from 68.5%  to 
67.4% of net sales. The reduction is mainly on account of improved  product 
mix, better price realization and continuous cost reduction initiatives.

Employee Cost

While  the employee cost has increased on an absolute basis by  Rs.1,454.35 
crores,  as a % to net revenue it has come down from 10.3% to 9.5%  in  the 
current  year. The increase in employee cost at TML and other  subsidiaries 
(excluding  Jaguar Land Rover business) mainly relates to increase cost  on 
account  of normal yearly increases, performance payments, impact  of  wage 
revisions and on account of increased volumes. The increase in Jaguar  Land 
Rover  business  mainly relates to higher pension costs, primarily  due  to 
actuarial assumptions and volumes.

Manufacturing and Other Expenses			 (Rs. in crores)
     	                                    2009-10	 2008-09     Change
Expenses for manufacture, 
administration and selling

(a) Stores, spare parts and                 1,058.99	  765.57     293.42
tools consumed	

(b) Freight, transportation, 
port charges, etc.	                    2,050.44	1,995.73      54.71

(c) Repairs to buildings	               57.05	   45.55      11.50

(d) Repairs to plant, machinery, etc.	      278.13	  268.33       9.80

(e) Power and fuel	                      689.45	  686.30       3.15

(f) Rent	                              106.71	   95.38      11.33

(g) Rates and taxes	                      181.63	  152.49      29.14

(h) Insurance                                 161.92	  145.64      16.28

(i) Publicity	                            2,974.18	2,633.52     340.66

(j) Incentive/Commission to dealers	      595.57	  388.34     207.23

(k) Works operation and other expenses	    9,130.42   10,323.41 (1,192.99)

Expenses for manufacture, 
administration and selling	           17,284.49   17,500.26   (215.77)

Excise Duty on change in Stock-in-trade	       86.95	 (58.68)     145.63

Total	                                   17.371.44   17.441.58    (70.14)

Manufacturing  and  other  expenses decreased  marginally  to  Rs.17,371.31 
crores  from Rs. 17,441.58  crores  of  2008-09. As  a  %  to  net  revenue 
(excluding  expenditure transferred to capital and other accounts)  it  has 
come  down from 24.6% to 18.8% in the current year. As could be  seen  from 
the  above table that despite increase in volumes, the group has been in  a 
position  to contain the cost at all levels. The increase in stores,  spare 
parts  and  tools  consumed  is due to  higher  level  of  production.  The 
publicity  expenses have increased by Rs.340.66 crores, mainly towards  new 
product  introductions  (Nano,  Prima,  New  Jaguar  XJ).  The  incentives/ 
commission  relates to Tata Motor's business, where the increase is  mainly 
volume driven.

The  works operation and other expenses during the current year  have  come 
down  to 9.9% from 14.6% of net revenue. The major factor of  decrease  has 
been  significant reduction in provision towards residual risk on  vehicles 
sold  by Jaguar Land Rover business. There has been a significant  drop  in 
the  resale  value  of  the  cars  in  those  markets  in  2008-09,   which 
necessitated  provisions  in the last year. During the year on  account  of 
improvement  in the resale prices, these provisions have been written  back 
and there have been significantly lower provisions in the current year. 

Expenditure  transferred to capital and other accounts  represents  amounts 
allocated  out  of  employee  cost  and  other  expenses  for  the  amounts 
capitalized  mainly for product development costs. Expenditure  transferred 
to  capital and other accounts decreased marginally to Rs. 4,592.50  crores 
from Rs. 4,638.83 crores in 2008-09.

Other  Income  increased to Rs. 1,793.12 crores from  Rs.798.96  crores  in 
2008-09,  mainly  due to higher profit on sale of  investments.  The  other 
income in the current year includes profit on sale of controlling stake  in 
Telcon  Rs.1,057.92  crores. The profit (net) on account of sale  of  other 
investments was Rs.693.62 crores in 2009-10 as compared to Rs.718.16 crores 
for 2008-09.

Profit  before  Interest,  Depreciation,  Exceptional  items  and  Tax  has 
increased  from  Rs.2,995.46 crores in 2008-09 to  Rs.10,407.28  crores  in 
2009-10.  The increase reflects significant turnaround during the  year  in 
the operations of the Company and Jaguar Land Rover business.  Depreciation 
and  Amortization (including product development expenditure)  for  2009-10 
increased  by 53.6% to Rs.4,385.33 crores from Rs.2,854.52 crores in  2008-
09.  The increase in depreciation and amortization expenses of  Rs.1,380.36 
crores  represent  impact  on account of increased  capitalization  at  TML 
including  the  effect of assets installed in the earlier years  for  which 
full  effect  has  come in the current year. Further,  there  has  been  an 
increase  in  amortization  of  product  development  cost  consequent   to 
commencement  of commercial production of new products mainly  Prima,  Nano 
and   other  products.  The  increase  is  also  attributable  to   product 
development written off during the year of Rs.498.20 crores as compared  to 
Rs.347.75  crores  in 2008-09 and increased depreciation  of  tooling's  at 
Jaguar Land Rover business.

Net interest cost			            (Rs. in crores)
		                    2009-10	  2008-09	  Change
Interest and discounting charges

Interest expenses	            2,126.34	 1,982.82	   143.52
Discounting Charges	              671.30	   480.09	   191.21
Interest capitalized	            (332.32)	 (292.31)	  (40.01)
Interest received	            (225.61)	 (239.70)	    14.09
Interest expenses	            2,239.71	 1,930.90	   308.81

Net interest cost increased by 16% to Rs. 2,239.71 crores from  Rs.1,930.90 
crores  in  2008-09.  Out  of the total  increase  of  Rs.  308.81  crores, 
Rs.191.21 crores represents increase in level of acceptances consequent  to 
higher  volumes in the current year. The TML group has been  successful  in 
containing the costs through borrowings at lower rates and by  substituting 
part of the borrowings through issue of equity. (Please refer to details of 
Gross debt).

Exceptional Items			             (Rs. in crores)
		                 2009-10       2008-09         Change

Exchange (Gain)/Loss             (84.47) 	339.29       (423.76)
(Net) on revaluation of 
foreign currency borrowings,
Deposits and loans given	

Others	                          344.07	     -	       344.07

Others  consist  of  (a) employee separation cost of  Rs.191.12  crores  of 
Jaguar and Land Rover; (b) unamortised debt issue cost of Rs.105.04  crores 
written  off  on prepayment of bridge loan for acquisition of  Jaguar  Land 
Rover business; and (c) provision for a product liability case.

Consolidated Profit before Tax (PBT) has increased to Rs.3,522.64 crores in 
2009-10  from  a  Loss  before  Tax  of  Rs.2,129.25  crores  in   2008-09, 
representing  a  positive swing of Rs. 5,651.89 crores. This  represents  a 
remarkable  recovery  in  the automotive volumes  and  improvement  in  the 
performance of Jaguar Land Rover business.

Tax expense has increased to Rs. 1,005.75 crores in 2009-10 from  Rs.335.75 
crores in 2008-09. The tax expense as a % to PBT was 28.6% in 2009-10.  The 
tax  expense  is  higher during the year due  to  significant  increase  in 
proportion  of taxable profits in TML as also on account of  provision  for 
tax  made  at  subsidiary companies of Jaguar Land Rover  which  have  been 
consolidated on a line by line basis.

Consolidated  Profit  for the year of the Group  increased  to  Rs.2,571.06 
crores from a Loss for the year of Rs.2,505.25 crores in 2008-09.

Consolidated Balance Sheet size (Fixed Assets, Investments and net  current 
assets) of the Group increased to Rs.45,383.10 crores as at March 31,  2010 
from Rs.42,267.17 crores as at March 31, 2009. The increase is attributable 
to  capital  expenditure  for expansion and setup  of  new  facilities  and 
product development cost incurred by the Group.

Fixed Assets                                                (Rs. in crores)
                               2009-10      2008-09	  Change         %

Gross Fixed assets           72,919.85	  69,002.38	3,917.47	5.7
(including Capital 
Work-in-Progress)	

Accumulated Depreciation     34,413.52	  33,269.05	1,144.47	3.4

Net Fixed assets	     38,506.33	  35,733.33	2,773.00 	7.8

Net   Fixed   Assets  including  Capital  Work-in-Progress   increased   to 
Rs.38,506.33 crores as at March 31, 2010 as compared to Rs.35,733.33 crores 
as at March 31, 2009. The gross fixed assets have increased by  Rs.3,917.47 
crores.  The  increase  is mainly in TML (refer  discussion  of  standalone 
performance).  There was decrease in Net fixed assets of  Rs.788.91  crores 
due  to sale of controlling stake in Telcon, which is now accounted  as  an 
associate.

Investments  increased  to  Rs.2,219.12  crores as at  March  31,  2010  as 
compared to Rs.1,257.40 crores as at March 31, 2009. The movement (net)  of 
Rs.961.72  crores  represents decrease due to sale of investments  of  Tata 
Steel  Ltd.  and  increase on account of (a) reporting  of  investments  in 
Telcon  as  an associate consequent to sale of controlling  stake  and  (b) 
investments in Mutual Funds of Rs.988.05 crores.

Net Current Assets
	                                                   (Rs. in crores)
                         2009-10       2008-09         Change            %
Current Assets, 
Loans & Advances        42,529.64     32,685.97	      9,843.67	       30.1

Current Liabilities   (34,077.33)   (23,980.16)	   (10,097.17)	       42.1

Provisions	       (7,643.50)    (8,140.02)	        496.52	      (6.1)

Net Current Assets	   808.81	 565.79	        243.02 	       43.0

Net Current Assets increased to Rs.808.81 crores as at March 31, 2010  from 
Rs.565.79  crores  as  at March 31, 2009. The increase  in  current  assets 
represents-(a) increase in inventory by Rs.361.43 crores and sundry debtors 
by  Rs.2,396.32 crores, which have necessitated due to increase in  volumes 
and  also  increase  in sale to government customers;  (b)  Cash  and  bank 
balances increased by Rs.4,621.98 crores due to surplus cash at Jaguar Land 
Rover business, representing level of operations. The Company is  exploring 
possibilities of deploying the cash towards repayment of borrowings  and/or 
parking of the surplus cash to generate income; and (c) Loans and  advances 
increased  by  Rs.2,464.13  crores, which represents  increase  in  vehicle 
financing  activity  to support the demand; net increase in  receivable  on 
account  of Minimum Alternative Tax credit entitlement in future years  and 
increase in excise duty/VAT and other dues from the government.

Current  liabilities  have  increased  on account  of  increase  in  sundry 
creditors  and acceptances and liability towards premium on  redemption  of 
Non-Convertible  Debentures created during 2009-10 of  Rs.1,745.79  crores. 
The  increase  in creditors/acceptances relate to volumes  in  the  current 
year, more particularly in the last quarter. Provisions have decreased  due 
to  decrease  in Provision for warranty and residual risk  at  Jaguar  Land 
Rover business.

Gross  debt (total of secured and unsecured loans) increased marginally  to 
Rs.35,192.36 crores as at March 31, 2010 as compared to Rs.34,973.85 crores 
as at March 31, 2009. Bridge Loan taken for Jaguar and Land Rover  business 
was  paid  during 2009-10, through funds raised, improved  cash  generation 
from operations and sale of certain investments.

Net debt (gross debt reduced by available cash and bank balances and mutual 
fund  investments)  stood at Rs.27,170.49 crores as at March  31,  2010  as 
compared  to  Rs.32,505.52  crores  as at March  31,  2009.  The  reduction 
represents  surplus  cash  and bank balances and increase  in  mutual  fund 
investments as explained above.

The  cash  generated  from operations before working  capital  changes  and 
before  considering  deployment  in  the  vehicle  financing  business  was 
Rs.7,955.29 crores as compared to Rs.2,776.58 crores in the previous  year. 
After  considering  the impact of working capital changes  and  inflows  on 
account of securitization of financing loan portfolio (net of  deployment), 
the  net  cash  generated  from operations was  at  Rs.9,326.93  crores  as 
compared  to  Rs.749.83 crores in the previous year. The cash  increase  on 
account of change in operating assets and liabilities of Rs.2,600.85 crores 
in  2009-10 was due to increase in trade and other payables by  Rs.8,079.11 
crores due to increase in manufacturing activity which was partially offset 
by (a) Increase in trade and other receivables amounting Rs.4,342.63 crores 
due to increase in sales volumes; (b) Increase in inventories amounting  to 
Rs.1,244.53 crores on account of increase in manufacturing activity and due 
to higher sales volume; and (c) Increase in vehicle/loans and hire purchase 
receivables by Rs.521.10 crores.

CAUTIONARY STATEMENT

Statements  in  the  Management  Discussion  and  Analysis  describing  the 
Company's objectives, projections, estimates, expectations may be  'forward 
looking  statements' within the meaning of applicable securities  laws  and 
regulations. Actual results could differ materially from those expressed or 
implied.  Important factors that could make a difference to  the  Company's 
operations   include,   among   others,   economic   conditions   affecting 
demand/supply and price conditions in the domestic and overseas markets  in 
which the Company operates, changes in the Government regulations, tax laws 
and other statutes and incidental factors.