Tata Capital Q4FY26 Results: PAT up 51%, Net AUM grows 28% to ₹2,51,885 Cr
Tata Capital Limited reported strong Q4FY26 performance with 28% YoY growth in Net AUM to ₹2,51,885 Cr and 51% YoY increase in PAT to ₹1,459 Cr (excluding Motor Finance). The company maintained healthy asset quality with GNPA at 1.5% and NNPA at 0.5%, while annualized ROA improved to 2.5% and ROE to 14.6%. Including Motor Finance, Net AUM stood at ₹2,77,275 Cr with PAT of ₹1,502 Cr. The company's investor presentation and earnings conference call recording are available on its website.
*this image is generated using AI for illustrative purposes only.
Tata Capital Limited has announced its audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. The company reported robust performance with 28% YoY growth in Net Assets Under Management (AUM) to ₹2,51,885 Cr (excluding Motor Finance) and 51% YoY growth in Profit After Tax (PAT) to ₹1,459 Cr for Q4FY26. The investor presentation and audio recording of the earnings conference call held on April 23, 2026, are now available on the company's official website.
Q4FY26 Performance Highlights
| Particulars | Excluding Motor Finance | Including Motor Finance |
|---|---|---|
| Net AUM | ₹2,51,885 Cr (28% YoY) | ₹2,77,275 Cr (6% QoQ) |
| PAT | ₹1,459 Cr (51% YoY) | ₹1,502 Cr (16% QoQ) |
| Annualized Credit Cost | 0.8% | 0.9% |
| GNPA | 1.5% | 2.0% |
| NNPA | 0.5% | 0.9% |
| Annualized ROA | 2.5% | 2.3% |
| Annualized ROE | 14.6% | 13.9% |
Asset Quality and Ratios
The company demonstrated prudent risk management with stable asset quality metrics. Gross Non-Performing Assets (GNPA) stood at 1.5% and Net Non-Performing Assets (NNPA) at 0.5% (excluding Motor Finance), showing improvement from 1.6% and 0.6% respectively in Q3FY26. Including Motor Finance, GNPA improved to 2.0% from 2.2% in Q3FY26, while NNPA stood at 0.9% versus 1.0% in the previous quarter.
The annualized credit cost declined to 0.8% (excluding Motor Finance) compared to 1.0% in Q3FY26, reflecting effective risk management. The cost to income ratio remained efficient at 36.1% for the quarter.
Business Segment Performance
SME loans emerged as the largest segment with Net AUM of ₹75,965 Cr, representing 27.4% of the total portfolio. Home loans followed with ₹44,203 Cr (15.9% share), while loans against property stood at ₹38,812 Cr (14.0% share). Personal and business loans recorded Net AUM of ₹25,053 Cr, comprising 9.0% of the portfolio.
The company's subsidiary, Tata Capital Housing Finance Limited (TCHFL), delivered strong performance with 29% YoY growth in Net AUM to ₹86,653 Cr and 34% YoY increase in PAT to ₹527 Cr. TCHFL maintained best-in-class asset quality with GNPA at 0.7% and NNPA at 0.3%.
Regulatory Compliance
The disclosure has been made pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The communication was signed by Sarita Kamath, Chief Legal and Compliance Officer & Company Secretary of Tata Capital Limited, on April 23, 2026.
Historical Stock Returns for Tata Capital
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.93% | -2.47% | -11.10% | -6.53% | -9.89% | -9.89% |
How will Tata Capital's aggressive expansion strategy impact its market share in the competitive NBFC sector over the next 2-3 years?
What specific measures is Tata Capital implementing to sustain its improving asset quality metrics amid potential economic headwinds?
Will the strong performance in SME and home loan segments drive Tata Capital's geographic expansion plans into tier-2 and tier-3 cities?
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