What was Tata Capital's revenue in Q4 FY26?

Tata Capital reported revenue of — in Q4 FY26, a — change year-over-year.

Did Tata Capital management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

Tata Capital Q4 FY26 Research Workspace: Revenue — (—)

Q: What guidance did Tata Capital management give?

FY27 AUM growth of 23-25%: Management expects overall AUM growth in the range of 23-25% for FY27, supported by retail and housing momentum.

Revenue —

EBITDA —

PAT ₹1,459 Cr +51%

EBITDA Margin —

Duration 103 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

Tata Capital delivered a strong Q4 FY26, with PAT (ex-motor finance) surging 51% YoY to ₹1,459 crore, driven by lower credit costs (0.8%) and improved asset quality (net NPA 0.5%). AUM grew 28% YoY (ex-motor) to ₹2.52 lakh crore, led by housing finance (29% YoY) and retail momentum. Disbursements crossed ₹50,000 crore for the first time. Management guided for FY27 AUM growth of 23-25% and expects cost of funds to decline further. The motor finance business turned profitable (₹43 crore PAT) and is expected to resume growth in H1 FY27. Key risks include geopolitical tensions (West Asia conflict) impacting MSME and CV segments, though management noted no material stress yet. The company remains on track to achieve its FY28 ROA target of 2.5-2.7%.

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Research workspace

Focused Modules

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Risk Intelligence

Geopolitical tensions (West Asia conflict)

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Quarter Snapshot

AUM (ex-motor finance) ₹2.52 lakh crore

+28% YoY

Driven by sustained momentum across core segments, especially housing finance.

Disbursements (quarterly) ₹50,000 crore

+32% YoY

First time crossing ₹50,000 crore in a quarter, reflecting growing scale.

Credit cost (ex-motor) 0.8%

-20 bps QoQ

Improved asset quality with slippages at eight-quarter lows.

Cost-to-income ratio 38.3%

-335 bps YoY

Improved 335 bps YoY, within guided range of 38-39%, driven by operating leverage.

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Guidance and risk preview

Top guidance FY27 AUM growth of 23-25%

Management expects overall AUM growth in the range of 23-25% for FY27, supported by retail and housing momentum.

Top risk Geopolitical tensions (West Asia conflict)

Ongoing conflict could impact inflation, energy prices, and global financial conditions, potentially affecting MSME and CV segments.