Tata Capital Q3 FY26 Earnings Results: Net Profit Jumps 17% to ₹1,257 Crore on Strong Loan Growth

Tata Capital posted a 17% year-on-year rise in consolidated net profit to ₹1,257 crore for the quarter ended December 31, 2025. In the same quarter last year, the NBFC had reported a profit of ₹1,076 crore.

Tata Capital Q3 FY26 Earnings: Interest Income and Total Income Rise

The company’s consolidated interest income grew 10% to ₹7,242 crore in Q3FY26, compared with ₹6,585 crore in Q3FY25. Net total income also rose sharply by 33% year-on-year to ₹3,594 crore during the quarter.

AUM Grows 26% Year-on-Year

Assets under management (AUM) increased 26% year-on-year to ₹2,34,114 crore as of December 31, 2025, up from ₹1,86,404 crore a year ago. Growth was broad-based across products, supported by strong demand and expansion in lending activities.

Motor Finance Segment Turns Profitable

The Motor Finance business achieved profit-after-tax breakeven in Q3FY26. Excluding this segment, comparable profit rose 39% year-on-year to ₹1,285 crore, highlighting strong core business performance.

Management Commentary

Rajiv Sabharwal, Managing Director and CEO of Tata Capital, said the company continued to see steady business momentum with stable asset quality. He added that unsecured retail disbursements have picked up gradually, while digital and GenAI initiatives are helping improve operating efficiency.

About Tata Capital

Tata Capital, classified as an upper-layer NBFC, offers over 25 lending products to individuals, MSMEs, and corporates. The company also distributes insurance, credit cards, and provides wealth management and private equity services.

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Tata Capital Share Price Movement

Tata Capital share price (NSE: TATACAP) was trading at ₹358.95 on January 20, 2026, at 12:45 PM IST, down 0.36% or ₹1.30 from the previous close. The stock opened at ₹365 and touched an intraday high of ₹367.30 and a low of ₹355.80. The stock is currently near its 52-week high of ₹367.30, while its 52-week low stands at ₹315.10. The company has not announced any dividend.

Conclusion

Strong loan growth, stable asset quality, and improved performance in the Motor Finance segment helped Tata Capital deliver healthy Q3 results, keeping it well-positioned for steady growth ahead.

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