Tata Capital Ltd

Tata Capital Q3FY26 Results: Strong Growth in NII & Margins 📈

- Net interest income (excluding Motor Finance) rose 26% YoY to ₹2,936 crore; including Motor Finance, it was ₹3,315 crore, up 10% QoQ.

- PAT (excluding Motor Finance) grew 39% YoY to ₹1,285 crore; including Motor Finance, PAT was ₹1,290 crore, up 18% QoQ.

- ROA (excluding Motor Finance) improved to 2.3% from 2.0% in Q3FY25; ROE stood at 14.3% vs. 14.1% YoY.

- Cost to income ratio (excluding Motor Finance) improved to 35.7% from 40.1% YoY; including Motor Finance, it was 38.4%, down from 39.7% QoQ.

- AUM (excluding Motor Finance) grew 26% YoY to ₹2,34,114 crore; including Motor Finance, AUM was ₹2,60,698 crore, up 7% QoQ.

- Asset quality stable: GNPA & NNPA at 1.6% & 0.6% (ex-Motor Finance); 2.2% & 1.0% (including Motor Finance).

- Total equity stood at ₹43,153 crore; consolidated borrowings at ₹2,19,870 crore (debt-to-equity ratio: 5.1x).

- Digital presence: 148L+ mobile app downloads, 55L+ monthly website traffic.

- Focus on AI, digital transformation, and ESG initiatives like cleantech financing & 'Pankh Scholarship'.