TATA CAPITAL Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 7,494 Crs., 8.81% growth YoY, Net Interest Income is Rs. 3,477 Crs., 18.78% growth YoY, Total Income is Rs. 8,162 Crs., 8.7% growth YoY, Pre-Provisioning Operating Profit is Rs. 2,560 Crs., 16.81% growth YoY, PBT is Rs. 1,978 Crs., 44.57% growth YoY, Net profit is Rs. 1,466 Crs., 46.65% growth YoY. For Q4FY26 Gross NPA 2.0% vs 2.2% in Q3FY26, Net NPA 0.9% vs 1.00% in Q3FY26. Return on Assets is 2.30% improved by 20 BPS QoQ, Return on Equity is 13.9% improved by 80 BPS QoQ. Excluding Motor Finance, AUM at ₹ 2,51,885 Cr. (up 28% YoY | up 8% QoQ), Including Motor finance, AUM at ₹ 2,77,275 Cr. (up 6% QoQ). Net AUM addition in Q4FY26 – ₹ 17,771 Cr. (excluding Motor Finance), and ₹ 16,577 Cr. (including Motor Finance). Continued uptick in Unsecured Retail disbursements. Slippages showing declining trend. Retail + SME constitute ~86% of Net AUM. Unsecured Retail loans form 10.3% of Net AUM On QoQ basis Interest Earned has achieved 3.44% growth, Net Interest Income has grown by 4.83%, Total Income has growth of 2.29%, Pre-Provisioning Operating Profit has grown by 2.52%, PBT grown by 16.75%, PAT is grown by 15.93%.