Tata Capital Limited (TATACAP) Financial Results — Revenue ₹2.77 L Cr

1 Financial Results 🔴 High Importance Neutral 📄 PDF

Revenue: ₹2.77 L CrNet Profit: ₹1,502 Cr

📢 Key Event
Tata Capital Q4FY26 PAT up 43% YoY to ₹1,502 crore on 20% AUM growth

🔄 What Changed
PAT grew 43% YoY; AUM grew 20% YoY; credit cost fell to 0.8% annualized; cost income ratio improved to 36.1%; provision coverage ratio reached 65.1%

🔮 What's Next
Board approved results; AI initiatives continue to reduce costs; confidence in India's economic fundamentals supports future growth

💡 Investor Takeaway
Strong PAT growth and improving efficiency metrics reflect robust underlying business momentum and effective cost management.

Tata Capital reported consolidated PAT of ₹1,502 crore for Q4FY26, up 43% YoY, driven by 20% AUM growth to ₹2,77,275 crore, with credit costs declining and AI initiatives reducing costs by 14bps; Ex-Motor Finance PAT rose 51% to ₹1,459 crore on 28% AUM growth to ₹2,51,885 crore, while cost income ratio improved to 36.1% and provision coverage hit 65.1%.

2 Financial Results 🔴 High Importance Neutral 📄 PDF

📢 Key Event
Tata Capital reports 51% YoY PAT growth to ₹1,502 crore in Q4FY26

🔄 What Changed
PAT grew 51% YoY to ₹1,502 crore; Net AUM grew 28% YoY to ₹2,77,275 crore; credit costs fell to 0.9%; GNPA improved to 2.0%

🔮 What's Next
Projected PAT growth of >30% CAGR; ROE target of 17-18%; credit cost to remain below 1%; AUM growth of 23-25% CAGR through FY28

💡 Investor Takeaway
Strong PAT growth and asset expansion signal robust financial momentum, with improving credit quality and clear strategic targets supporting future profitability

Tata Capital Limited reported a 51% YoY increase in PAT to ₹1,502 crore for Q4FY26, driven by 28% YoY growth in Net AUM to ₹2,77,275 crore, with credit costs declining to 0.9% and GNPA improving to 2.0%. The results reflect strong asset quality and operational efficiency across retail and corporate segments.

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