Tata Capital Q4FY26 Results: Profit Soars 43% To Reach ₹1,502 Crore

For Q4 FY26, Tata Capital reported a consolidated profit after tax (PAT) of ₹1,502 crore, 43% higher year-on-year (YoY) from ₹1,052 crore. On a standalone basis, profit was even stronger, rising 80.6% to ₹1,182 crore.

At the close of the day on 23 April 2026, Tata Capital’s share price had already gained almost 1% to reach ₹340.6 on the National Stock Exchange.

Q4 Numbers In Focus

Revenue from operations stood at ₹8,160 crore, up 9% YoY. Net total income rose by 31% to ₹3,740 crore. The growth came mainly from solid lending activity and fee-based income.

Net interest income (NII) grew 28% YoY to ₹3,127 crore and fee income rose 35% YoY to ₹646 crore. At the same time, assets under management (AUM) reached ₹2.77 lakh crore (including motor finance), up 20% YoY.

When excluding motor finance, AUM stood at ₹2.52 lakh crore, up 28% YoY. Cost-to-income ratio improved YoY to 36.1% from 37.8%. Annualised return on assets (ROA) was 2.5%, and return on equity (ROE) was 14.6%.

Asset quality also improved during the quarter. Gross Stage 3 assets stood at 1.5% (2% including motor finance) and Net Stage 3 assets at 0.5% (0.9% including motor finance). The credit cost also reduced to around 0.8–0.9% as a result of improved portfolio monitoring and the use of technology.

Total equity was ₹44,658 crore with a capital risk adequacy ratio of 19.0%. The gross loan book saw a 21% YoY increase to reach ₹2,73,392 crore, while the net loan book stood at ₹2,68,203 crore.

The company has also announced a final dividend of ₹0.57 per share for FY26.

Also Read - Infosys Q4FY26 Results: Profit Jumps 21% YoY To ₹8,501 Crore

Source:

Company Press Release