Tata Capital Limited has informed the Exchange about Transcript of media call and Earnings Conference call with Analysts and Investors for the quarter and year ended March 31, 2026.
TATACAP · price
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Tata Capital reported strong Q4 FY26 results with AUM of INR 2.77 lakh crores (up 20% YoY) and PAT of INR 1,502 crores (up 16% sequentially). Excluding Motor Finance, AUM grew 28% YoY to INR 2.52 lakh crores with PAT of INR 1,459 crores, up 51% YoY. Credit costs improved significantly to 0.9% (down 30 bps from Q3), while net NPA declined 10 bps to 0.9%. The company operates 1,477 branches serving 8.4 million customers, with retail and SME comprising 86% of AUM. Motor Finance achieved PAT of INR 43 crores in Q4 following Q3 break-even, with non-Tata OEM share reaching 26%. AI initiatives are driving efficiency with Underwriting Assist reducing credit memo time from 2 days to 20 minutes. Cost-to-income improved 335 bps to 38.3%. FY26 PAT grew 36%, exceeding the 32-35% guidance.
Strong quarter with improved asset quality and profitability. Management remains on track to deliver FY28 guidance of 23-25% AUM growth. Focus on high-yield segments (affordable housing, unsecured retail at 10.3% of AUM, targeting 15%) should support margin expansion in FY27 despite cautious external environment outlook.