Tata Capital Q4 PAT Up 51% YoY to INR1,459 Crores

Tata Capital reported strong Q4 FY26 results with PAT excluding non-recurring items up 51% YoY to INR1,459 crores, driven by 28% AUM growth and improved asset quality.
The company achieved break-even in its Motor Finance business in Q3 and posted a Q4 PAT of INR43 crores, with integration benefits and credit cost improvements materializing.
Management reiterated FY28 guidance of 23-25% AUM growth and ROA of 2.5-2.7%, supported by diversified retail/SME portfolio (86% of AUM) and technology initiatives driving efficiency.
The company maintains cautious optimism for FY27 despite geopolitical risks, with focus on high-yield segments like unsecured loans, affordable housing, and multi-OEM strategy in motor finance.