Tata Capital Q4FY26 Results: PAT up 51% YoY to ₹1,459 Cr; AUM grows 28% YoY to ₹2,51,885 Cr
Tata Capital reported Q4FY26 PAT of ₹1,459 Cr, up 51% YoY. Net AUM (excl. Motor Finance) grew 28% YoY to ₹2,51,885 Cr. Annualized credit cost improved to 0.8% (excl. Motor Finance). GNPA stood at 1.5% and NNPA at 0.5%.
The strong financial results and improved asset quality are significant positive indicators for the company's performance and future outlook, impacting investor sentiment and valuation.
The company reported strong year-on-year growth in PAT and AUM, along with improvements in credit cost and asset quality metrics.
Tata Capital Limited announced its audited financial results for the quarter and year ended March 31, 2026. The company reported a Profit After Tax (PAT) of ₹1,459 crore for Q4FY26, marking a significant 51% year-on-year growth. Excluding the Motor Finance business, the Assets Under Management (AUM) grew by 28% year-on-year to ₹2,51,885 crore.
The company also provided detailed performance metrics. Excluding Motor Finance, the annualized credit cost declined to 0.8% in Q4FY26 from 1.0% in Q3FY26. Gross Non-Performing Assets (GNPA) stood at 1.5% and Net Non-Performing Assets (NNPA) at 0.5%, an improvement from 1.6% and 0.6% respectively in Q3FY26. The annualized Return on Assets (ROA) was 2.5% and Return on Equity (ROE) was 14.6%.
Including Motor Finance, the AUM reached ₹2,77,275 crore, showing a 6% quarter-on-quarter growth. PAT for this segment was ₹1,502 crore, up 16% QoQ, with an annualized credit cost of 0.9%. GNPA was 2.0% and NNPA was 0.9%.
The investor presentation for the earnings conference call, held on April 23, 2026, at 6:30 p.m. IST, was made available on the company's website.
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