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TATA CAPITAL LIMITED is the flagship financial services company of the Tata group. As the third largest diversified NBFC in India, it has served over 7.3 million customers since commencing lending operations in 2007. The company offers a comprehensive suite of over 25 lending products catering to a diverse customer base including individuals, small and medium enterprises, and corporates. Tata Capital operates an omni-channel distribution model, combining a wide pan-India network of 1,516 branches with a robust partner ecosystem and a strong digital presence. The company focuses on maintaining high asset quality through a prudent risk culture and robust credit underwriting, with 80% of its loan book being secured as of June 2025.
Opening Date
Oct 06, 2025
Closing Date
Oct 08, 2025
Listing Date
Oct 13, 2025
IPO Type
Mainboard
IPO Status
Closed
Issue Size
15511.87 Cr
Fresh Issue
6846 Cr
Offer for Sale
8665.87 Cr
Price Band
₹310 - ₹326
Lot Size
46
Our Company proposes to utilise the Net Proceeds from the Fresh Issue towards funding the following objects:
Augmentation of the Company's Tier - I capital base to meet future capital requirements, support onward lending activities, and ensure compliance with regulatory capital adequacy norms prescribed by the RBI, which are expected to arise from the continued growth of the business.
P/E Ratio
73.29
EPS
4.45
ROE
12.6%
ROCE
5.5%
RONW
11.2%
Debt to Equity Ratio
6.6
PAT Margin
13.3%
EBITDA Margin
71.6%
P/B
4.1
Flagship financial services company of the Tata group, benefiting from a strong brand legacy of over 150 years.
Third largest diversified NBFC in India with a comprehensive suite of over 25 lending products catering to a wide customer base.
Omni-channel distribution model with a pan-India network of 1,516 branches, extensive partnerships, and strong digital platforms.
Prudent risk culture with robust credit underwriting and collections capabilities, resulting in stable and high-quality assets.
High reliance on the 'Tata' brand, which is used under a licensing agreement with the Promoter and can be terminated.
Dependence on the efforts and continued service of Key Managerial Personnel and senior management.
The business has consistently reported negative cash flows from operating activities over the last three fiscal years.
Existence of significant contingent liabilities that have not been provided for in the financial statements.
The Indian NBFC sector's credit is projected to grow at a strong rate of 15-17% between Fiscal 2025 and Fiscal 2028.
India's favorable demographics, including the world's largest youth population, provide a large and growing customer base.
Rising affluence, rapid urbanization, and increasing financial inclusion in Tier II and Tier III cities.
Government initiatives like 'Digital India' and 'PMAY' are creating a conducive environment for financial services expansion.
Operates in a highly competitive lending industry with pressure on interest rates and profit margins from banks and other NBFCs.
Exposure to regulatory risks due to changing laws, rules, and policies from authorities like the RBI and SEBI.
Volatility in interest rates and currency exchange rates could adversely impact borrowing costs, net interest margins, and profitability.
Potential for macroeconomic downturns in India, which could reduce demand for loans and increase default rates among customers.