Tata Capital Limited Q3 FY26 earnings call summary

Earnings call of 19 Jan 2026, summarised by AI from the filing.

Motor Finance business achieved break-even in Q3; growth expected to resume from first half of FY27.

Key takeaways

1. Motor Finance Motor Finance business achieved break-even in Q3; growth expected to resume from first half of FY27.
2. Unsecured retail Unsecured retail disbursements at four-quarter high, exposure 10.4% of AUM against stated vision of 15%.
3. Competition Competitive intensity remains high in housing finance, especially in the prime segment.

Original filing on BSE

Tata Capital Limited Q1 FY27 results

As filed: Revenue ₹8,822 cr, EBITDA ₹6,679 cr, PAT ₹1,628 cr, EBITDA margin 75.7%.

Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹8,822 cr). Scored once a year-earlier consolidated quarter exists.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹8,160 cr, EBITDA ₹6,134 cr, PAT ₹1,466 cr, EBITDA margin 75.2%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹8,160 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: −10.3% in 30 days (Nifty 500: −1.8%).
• Q3 FY26: Revenue ₹7,975 cr, EBITDA ₹5,804 cr, PAT ₹1,265 cr, EBITDA margin 72.8%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹7,975 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: +3.7% in 30 days (Nifty 500: +1.2%).
• Q2 FY26: Revenue ₹7,737 cr, EBITDA ₹5,603 cr, PAT ₹1,119 cr, EBITDA margin 72.4%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹7,737 cr). Scored once a year-earlier consolidated quarter exists. Share price after the results: −2.5% in 29 days (Nifty 500: +0.1%).

Past price moves after results do not indicate future moves. Not a recommendation.

Tata Capital Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (28 Jul 2026), Results deck (28 Jul 2026), Results press release (28 Jul 2026)
• Q4 FY26: Earnings call (23 Apr 2026), Results deck (23 Apr 2026), Results press release (23 Apr 2026)
• Q3 FY26: Earnings call (19 Jan 2026), Results deck (19 Jan 2026), Results press release (19 Jan 2026)
• Q2 FY26: Earnings call (28 Oct 2025), Results deck (28 Oct 2025), Results deck (4 Dec 2025)
• Other events: Strategy deck (3 Jul 2026)