Tata Capital Ltd (MAINBOARD)

IPO Details

Key Performance Indicators (KPIs)

Company Financials (In ₹ Crore)

Peer Comparison (Valuation)

About the Company

Incorporation & Parentage
Tata Capital Limited (TCL) is a diversified financial services company and a subsidiary of Tata Sons Private Limited. As a Non-Banking Financial Company (NBFC) in India, it provides a wide range of financial solutions to retail, corporate, and institutional clients.

Business Segments & Offerings

1. Consumer Loans

• Personal Loans
• Home Loans
• Auto Loans
• Education Loans
• Loans Against Property

2. Commercial Finance

• Term Loans
• Working Capital Loans
• Equipment Financing
• Lease Rental Discounting

3. Wealth Management

• Portfolio Management
• Investment Advisory
• Distribution of Financial Products

4. Investment Banking

• Equity Capital Markets
• Mergers & Acquisitions Advisory
• Structured Finance Solutions

5. Private Equity

• Management of funds investing in high-growth companies

6. Cleantech Finance

• Financing and advisory services for projects in renewable energy, energy efficiency, waste management, and water management

7. Scale & Reach

• Over 25 lending products catering to salaried individuals, entrepreneurs, SMEs, and corporates (as of March 31, 2025).
• Extensive PAN-India network with 1,516 branches across 1,109 locations in 27 States & UTs (as of June 30, 2025).

8. Non-Lending Businesses

• Distribution of third-party products such as insurance and credit cards.
• Wealth management services for High Net-worth Individuals (HNIs) and retail clients.
• Private equity operations with a focus on growth-stage investments.

Strength

Strong Tata Group Legacy: The flagship financial services division of the Tata Group, recognized as India’s most valuable brand, operates globally across more than 100 countries and employs over 1 million individuals.

Leading Diversified NBFC: The third-largest diversified non-banking financial company (NBFC) in India, with gross loans amounting to ₹2,265.5 billion, offers an extensive range of over 25 lending products tailored to individuals, small and medium enterprises (SMEs), and corporations.

Omni-Channel Distribution: A strong nationwide network that integrates branches, digital platforms, and external partners, guaranteeing broad customer reach and a seamless experience.

Weakness

Credit Risk: Gross Stage 3 Loans accounted for 1.9% in FY25; customer defaults could affect business operations, cash flows, and overall financial health.

Provisioning Risk: The provision coverage ratio decreased to 58.5% in FY25; insufficient provisioning may jeopardize financial stability.

Unsecured Loan Exposure: Unsecured loans represent 21% of Total Gross Loans in FY25; delays or failures in recovery may negatively impact operations and cash flows.