Tata Capital Q4 FY26: AUM grows 20% to ₹2.77 lakh Cr, PAT up 16% to ₹1,502 Cr
Tata Capital reported Q4 FY26 results with AUM at ₹2.77 lakh Cr (up 20% YoY). PAT excluding non-recurring items was ₹1,502 Cr (up 16% sequentially). Net NPA stood at 0.9%. Housing finance AUM grew 29% to ₹86,653 Cr. The company is focused on scaling unsecured lending and expects continued growth.
The announcement details significant financial performance metrics for the quarter and year, including AUM growth, profitability, and asset quality, which are material for investors and stakeholders.
The company reported strong year-on-year growth in AUM and PAT, improved asset quality metrics, and positive performance across key business segments. Management expressed optimism for future growth.
Tata Capital Limited announced its audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. The company held a media call and an earnings conference call with analysts and investors on April 23, 2026, and has now released the transcripts.
Excluding the Motor Finance business, Tata Capital's Assets Under Management (AUM) reached ₹2.52 lakh crores, marking a 28% year-on-year growth and 8% sequential growth. Profit After Tax (PAT), excluding non-recurring items, surged by 51% year-on-year and 14% sequentially to ₹1,459 crores. The company also reported a decrease in net NPA to 0.5% and an improved Return on Assets (ROA) of 2.5% for the quarter.
Including the Motor Finance business, AUM stood at ₹2.77 lakh crores, a 20% year-on-year increase and 6% sequential growth. PAT, excluding non-recurring items, grew 16% sequentially to ₹1,502 crores, with ROA improving to 2.3%. The company highlighted that retail and SME segments constitute 86% of the total AUM. Funding profile remains stable with a liquidity buffer of approximately ₹29,500 crores. Cost of funds declined sequentially by 5 basis points, and margins remained stable at 6.5%.
The company's housing finance business saw AUM growth of 29% year-on-year to ₹86,653 crores, with PAT growing by 34%. The Motor Finance business achieved break-even in Q3 FY26 and reported a PAT of ₹43 crores in Q4 FY26. Investments in technology, particularly AI, are driving improvements in efficiency and customer experience, with initiatives like Underwriting Assist reducing credit memo preparation time significantly.
Management expressed optimism about India's economic growth, while acknowledging potential moderation due to global geopolitical developments. The company remains focused on growth across retail, housing, and SME segments, with a target to increase unsecured lending to 15% of AUM. Asset quality remains strong, with slippages declining, and the company is committed to its guidance for FY28.
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