Tata Capital Q4 Net Profit Up 51% YoY

Tata Capital reported 28% YoY AUM growth to ₹2.52 lakh crore and 51% YoY PAT growth to ₹1,459 crore excluding Motor Finance business.
Asset quality improved with GNPA at 1.5% and NNPA at 0.5%, while annualized credit cost declined to 0.8% from 1.0% in Q3.
The company maintained strong profitability with ROA at 2.5% and ROE at 14.6%, supported by 28% YoY growth in net interest income.
Retail and SME segments constituted 86% of Net AUM, with unsecured retail loans forming 10.3% of the portfolio.