Tata Capital Q3 profit jumps 20% to ₹790 crore on strong lending growth

Tata Capital Limitedreported strong consolidated financial results for the quarter ended 31 December 2025, with net profit rising 19.7% quarter-on-quarter to ₹790 crore, up from ₹660 crore in Q2FY26. Net interest income (NII) surged 44% QoQ to ₹2,541 crore, compared with ₹2,302 crore in the previous quarter, reflecting healthy lending growth and improving asset yields.

The company’s assets under management (AUM) increased steadily, underpinned by broad-based growth across retail, SME, and housing finance segments. Tata Capital continues to benefit from robust demand for secured and unsecured credit products, while maintaining a strong focus on operational efficiency and risk management.

Commenting on the results, the management highlighted that the Motor Finance business achieved PAT breakeven during the quarter, following its integration in May 2025. Credit quality remained healthy, with early indicators showing stable portfolio performance across all major segments. Unsecured retail disbursements, which had been moderated previously as a precautionary measure, have started to pick up gradually, supporting revenue growth without compromising asset quality.

Also read: Tata Capital shares break out of narrow range for the first time in two months of listing

The company also continued to strengthen its distribution network and digital capabilities, leveraging technology and GenAI solutions to enhance efficiency and customer experience. Tata Capital Housing Finance Limited (TCHFL), its wholly owned housing finance subsidiary, contributed to growth with AUM rising 30% YoY and PAT up 25% YoY, underlining the group’s diversified portfolio strategy.

Shares of Tata Capital were marginally down on the NSE, closing at ₹359.25, down ₹0.10 or 0.03% for the day as of  19 January 2026.