Tata Capital Limited (TCL) is a diversified financial services company and a subsidiary of Tata Sons Private Limited. TCL operates as a non-banking financial company (NBFC) in India, offering a wide range of financial products and services to retail, corporate, and institutional customers.
Key Offerings:
As of March 31, 2025, it has a comprehensive suite of 25+ lending products, catering to a diverse customer base including salaried and self-employed individuals, entrepreneurs, small businesses, small and medium enterprises and corporates.
As of June 30, 2025, it has an extensive PAN-India distribution network comprising 1,516 branches spanning 1,109 locations across 27 States and Union Territories.
In addition to the lending business, it also operates in non-lending segments like distribution of third-party products like insurance, credit cards, wealth management services to HNIs and retail clients, and the Private equity business.
Competitive strengths
Tata Capital Ltd.’s revenue increased by 56% and profit after tax (PAT) rose by 10% between the financial year ending with March 31, 2025 and March 31, 2024.
| Period Ended | 30 Jun 2025 | 31 Mar 2025 | 31 Mar 2024 | 31 Mar 2023 |
| Assets | 2,52,254.28 | 2,48,465.01 | 1,76,693.98 | 1,35,626.10 |
| Total Income | 7,691.65 | 28,369.87 | 18,198.38 | 13,637.49 |
| Profit After Tax | 1,040.93 | 3,655.02 | 3,326.96 | 2,945.77 |
| EBITDA | 5,565.86 | 20,338.22 | 14,247.76 | 10,763.22 |
| NET Worth | 32,761.73 | 32,587.82 | 23,540.19 | 17,959.06 |
| Reserves and Surplus | 29,260.88 | 24,299.36 | 18,121.83 | 11,899.32 |
| Total Borrowing | 2,11,851.60 | 2,08,414.93 | 1,48,185.29 | 1,13,335.91 |
| Amount in ₹ Crore | ||||
The market capitalization of Tata Capital IPO is ₹138382.73 Cr.
KPI as of Mon, Mar 31, 2025.
| KPI | Values |
|---|---|
| ROE | 12.6% |
| Debt/Equity | 6.60 |
| RoNW | 11.2% |
| Price to Book Value | 4.10 |
| Pre IPO | Post IPO | |
|---|---|---|
| EPS Rs | 9.06 | 9.81 |
| P/E (x) | 35.99 | 33.24 |
The Company Tata Capital IPO proposes to utilise the Net Proceeds from the Issue towards the following objects:
| S.No. | Objects of the Issue | Expected Amount (₹ in crores) |
|---|---|---|
| 1 | Augmentation of our Company’s Tier –Icapital base to meet our Company’s future capital requirements including onward lending |
| IPO Date | October 6, 2025 to October 8, 2025 |
| Listing Date | [.] |
| Face Value | ₹10 per share |
| Issue Price Band | ₹310 to ₹326 per share |
| Lot Size | 46 Shares |
| Sale Type | Fresh Capital-cum-Offer for Sale |
| Total Issue Size | 47,58,24,280 shares (aggregating up to ₹15,511.87 Cr) |
| Fresh Issue | 21,00,00,000 shares (aggregating up to ₹6,846.00 Cr) |
| Offer for Sale | 26,58,24,280 shares of ₹10 (aggregating up to ₹8,665.87 Cr) |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Share Holding Pre Issue | 4,03,48,69,037 shares |
| Share Holding Post Issue | 4,24,48,69,037 shares |
Tata Sons Private Limited is the promoter of the company.
| Share Holding Pre Issue | 95.60% |
| Share Holding Post Issue | 85.50% |
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