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TATACAP IPO

Tata Capital Limited
IPO Doc
Start Date06-10-2025
Application Timing10am-5pm
Price Range₹310 - ₹326
Min Qty46
Min. Investment₹14260
Listing Date13-10-2025
Close Date08-10-2025

About Tata Capital Limited

Tata Capital Limited (TCL) is a diversified financial services company and a subsidiary of Tata Sons Private Limited. It operates as one of India’s leading Non-Banking Financial Companies (NBFCs), offering a wide range of financial products and services to retail, corporate, and institutional customers.

The company’s key offerings include:

Consumer Loans – Personal, home, auto, education loans, and loans against property.

Commercial Finance – Term loans, working capital loans, equipment financing, and lease rental discounting.

Wealth Management – Portfolio management, investment advisory, and distribution of financial products.

Investment Banking – Equity capital markets, M&A advisory, and structured finance.

Private Equity – Growth-focused investments.

Cleantech Finance – Renewable energy, energy efficiency, and waste management projects.

As of June 30, 2025, the company operates through 1,516 branches across 1,109 locations in 27 states and union territories of India. It also distributes third-party products such as insurance, credit cards, and wealth management solutions.

Why To Invest in Tata Capital Limited

Trusted Tata Group Brand – Flagship financial services arm of the Tata Group.

Strong Market Position – Third largest diversified NBFC in India with the widest lending product suite.

Extensive Reach – Omni-channel presence across physical branches, partnerships, and digital platforms.

Solid Financial Performance – Revenue growth of 56% and profit after tax growth of 10% between FY24 and FY25.

High Credit Rating – Supported by prudent risk management and strong liability profile.

Digital & Analytics-Driven – Focus on technology integration for customer acquisition and risk control.

Promoter Confidence – Tata Sons continues to hold a significant majority post IPO (85.5%).

Financial Table
Period Ended 30 Jun 2025 31 Mar 2025 31 Mar 2024 31 Mar 2023
Assets2,52,254.28 2,48,465.01 1,76,693.981,35,626.10
Total Income7,691.6528,369.8718,198.3813,637.49
Profit After Tax1,040.933,655.023,326.962,945.77
EBITDA5,565.8620,338.2214,247.7610,763.22
NET Worth32,761.73 32,587.8223,540.1917,959.06
Reserves and Surplus 29,260.8824,299.3618,121.8311,899.32
Total Borrowing2,11,851.602,08,414.931,48,185.291,13,335.91
Strengths And Risks
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Strong Tata Group Backing: Tata Capital is a flagship financial services company of the Tata Group, one of India’s most trusted business houses. This association ensures strong brand value, credibility, and long-term stability.
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Third Largest Diversified NBFC in India: The company offers the most comprehensive product suite, covering consumer loans, SME finance, corporate loans, wealth management, private equity, and investment banking. This diversification reduces dependence on any single segment.
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Robust Distribution Network: With 1,516 branches across 1,109 locations in 27 states and union territories, Tata Capital has an extensive presence across India, reaching both urban and semi-urban markets.
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Technology-Driven Business Model: Digital channels, analytics, and omni-channel distribution are at the core of its operations, allowing efficient loan processing, customer service, and risk management.
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Prudent Risk Management & Credit Culture: The company has strong underwriting and collections capabilities, supported by a robust risk framework, helping it maintain asset quality.
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Strong Financial Growth: Between FY24 and FY25, revenue increased by 56% and PAT grew by 10%. This consistent financial performance highlights its growth momentum.
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Experienced Management Team: A professional leadership team with deep expertise in financial services ensures strategic execution and operational efficiency.
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High Leverage (Debt-Equity Ratio 6.60): The company relies heavily on borrowings to fund its operations. High leverage exposes it to higher interest costs and repayment obligations.
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Intense Market Competition: Tata Capital competes with banks, NBFCs, and fintech players in almost every product category. This could impact margins and customer retention.
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Regulatory Risks: As an NBFC, the company is subject to stringent RBI and SEBI regulations. Any change in rules regarding lending, capital adequacy, or interest rates can affect operations.
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Credit & Default Risk: Its large and diverse loan portfolio, particularly in retail and SME segments, is exposed to repayment defaults, which can impact profitability.
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Economic Slowdown Impact: The company’s performance is closely linked to overall economic conditions. Any slowdown in credit demand, higher NPAs, or macroeconomic stress can affect growth.
FAQs
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