The NBFC company reported a net interest income of Rs 3,315 crore in Q3FY26, up 10% quarter-on-quarter from Rs 3,004 crore in Q2FY26.
The company’s shares were listed in October and this is the second earnings report since the listing.
The company’s assets under management (AUM) grew 26% year-on-year to Rs 2,34,114 crore as on December 31, 2025, from Rs 1,86,404 crore as on December 31, 2024. This excludes auto financing. After including auto finance, assets under management grew 7% quarter-on-quarter to Rs 2,60,698 crore as on December 31, 2025 from Rs 2,43,896 crore as on September 30, 2025
Net total income before auto financing grew 33% YoY to Rs 3,594 crore in Q3FY26 from Rs 2,711 crore in Q3FY25, while it rose 7% QoQ to Rs 4,051 crore in Q3FY26, including auto financing.
Highlights of 3Q26 consolidated performance, including auto financing:
— Retail and SMEs made up 87% of net assets under management.
— Unsecured retail operations represented 10.4% of net assets under management, while payouts to unsecured retail operations increased in the reported quarter.
— The Pan India network consisted of 1,505 branches in 27 states and union territories.
— Annualized operating expenses on average net loan portfolio at 2.5% in Q3FY26 versus 2.6% in Q2FY26.
— Cost-to-income ratio stood at 38.4% in Q3FY26, compared to 39.7% in Q2FY26.
— Annualized credit cost was 1.2% in Q3FY26 versus 1.3% in Q2FY26.
— Total equity stood at Rs 43,142 crore as of December 2025.
— The capital risk adequacy ratio was 20.3% as of December 31, 2025.
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