Tata Capital Ltd IPO
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Tata Capital Ltd IPO Details
Details
| Total Shares Offered | Offer to Public | Retail Max (Shares) | Pre Issue Promoters Holding | Exchange | Issue size |
|---|---|---|---|---|---|
| ₹ 4,758.24 L | ₹ 2,658.24 L | TBA | ₹ 38,555.54 L | BSE | ₹ 15511.87 Cr |
| IPO Open Date | Close Date | Lot Size | Min Investment | Issue Type | Listing Date |
| 06 Oct, 25 | 08 Oct, 25 | 46 | ₹ 14,260 | Book Building | 13 Oct, 25 |
Tata Capital Ltd IPO Dates
Details
| Sector | Type |
|---|---|
| Sector | Finance & Investments |
| Sub Sector | NA |
| Issue Type | Book Building |
Subscription Status
*Values are in Lakhs
| Investor Type | Subscription Times | Shares Offered* | Shares Bid* |
|---|---|---|---|
| QIB | 0x | 0 | 0 |
| NII | 0x | 0 | 0 |
| Retail | 0x | 0 | 0 |
| Employee | 0x | 0 | 0 |
| Total | 0x | 475824280 | 0 |
Subscription Status
Investor Type
QIB
NII
Retail
Employee
Total
*Values are in Lakhs
Tata Capital Ltd Financial Status
Income Statement
Balance Sheet
| Particulars (in Rs. Crores) | FY23 | FY22 | FY21 |
|---|---|---|---|
| Revenue from operations | 28,312.74 | 18,174.82 | 13,628.85 |
| EBITDA | 4,056.22 | 3,695.97 | 3,445.17 |
| PAT | 2,594.28 | 2,492.45 | 2,321.10 |
| Total Assets | 11,471.39 | 7,211.03 | 4,290.19 |
| Share Capital | 7,962.69 | 3,746.41 | 3,560.12 |
| Total Borrowings | 125,233.05 | 86,600.68 | 63,572.42 |
| Operating Activities (Net Cash) | 2,934.70 | 2,736.12 | 2,519.03 |
| Investing Activities (Net Cash) | 11,487.09 | 9,485.82 | 11,999.98 |
| Financing Activities (Net Cash) | 125,233.05 | 86,600.68 | 63,572.42 |
| Net Cashflow | 7,342.96 | 4,985.28 | 2,503.76 |
Particulars (in Rs. Crores)
Revenue from operations
EBITDA
PAT
Total Assets
Share Capital
Total Borrowings
Operating Activities (Net Cash)
Investing Activities (Net Cash)
Financing Activities (Net Cash)
Net Cashflow
About Tata Capital Ltd
Our Company was incorporated as `Primal Investments & Finance Limited' as a public limited company under the Companies Act, 1956, pursuant to the certificate of incorporation dated March 8, 1991, issued by the Additional Registrar of Companies, Maharashtra at Bombay and commenced its operations pursuant to a certificate for commencement of business dated April 1, 1991, issued by the Additional Registrar of Companies, Maharashtra at Bombay. Subsequently, the name of our Company was changed to `Tata Capital Limited' and a fresh certificate of incorporation consequent to name change dated May 8, 2007, issued by the Registrar of Companies, Maharashtra at Mumbai.
According to the CRISIL Report, NBFCs have shown remarkable resilience and gained importance in the financial sector ecosystem, growing from less than Rs.2 trillion AUM at the turn of the century to Rs.48 trillion at the end of Fiscal 2025 (section 4.3, page 38). NBFC credit growth has historically trended above India's GDP growth and is expected to continue rising at a faster pace. Going forward, CRISIL projects NBFC credit to grow at 15-17% between Fiscal 2025 and Fiscal 2028, driven by growth across retail, MSME and corporate segments.
We are the flagship financial services company of the Tata group and a subsidiary of Tata Sons Private Limited. Since the commencement of our lending operations in 2007, we have served 7.3 million customers up to June 30, 2025. Our Company is categorized as an Upper Layer NBFC by RBI. Through our comprehensive suite of 25+ lending products, we cater to a diverse customer base comprising salaried and self-employed individuals, entrepreneurs, small businesses, small and medium enterprises and corporates. Additionally, we distribute third-party products viz. insurance and credit cards, offer wealth management, and act as sponsor and investment manager to PE funds.
Tata Capital Ltd IPO Key Points
Strengths
- Flagship financial services company of the Tata Group, with a legacy of over 150 years.
- Third largest diversified NBFC in India, with the most comprehensive lending product suite.
- Omni-channel distribution model, comprising our pan-India branch network, partnerships and digital platforms.
- Prudent risk culture and credit underwriting and collections capabilities, resulting in stable asset quality.
- Digital and analytics at the core of our business, driving high quality experience and business outcomes.
Risk
- Our Gross Stage 3 Loans comprised 2.1%, 1.7%, 1.9%, 1.5% and 1.7% of our Total Gross Loans as at June 30, 2025, June 30, 2024, March 31, 2025, March 31, 2024 and March 31, 2023, respectively. Non-payment or default by our customers may adversely affect our business, results of operations, cash flows and financial condition.
- Our provision coverage ratio was 53.9%, 63.5%, 58.5%, 74.1% and 77.1% as at June 30, 2025, June 30, 2024, March 31, 2025, March 31, 2024 and March 31, 2023, respectively. Our inability to provide adequate provisioning coverage for non-performing assets may adversely affect our business, results of operations, cash flows and financial condition.
- Unsecured Gross Loans comprised 20.0%, 22.4%, 21.0%, 24.5% and 23.1% of our Total Gross Loans as at June 30, 2025, June 30, 2024, March 31, 2025, March 31, 2024 and March 31, 2023, respectively. Failure to recover such receivables in a timely manner or at all may adversely affect our business, results of operations, cash flows and financial condition.
Strategy
- Continue our growth trajectory by enhancing our product offerings and strengthening our distribution network.
- Continue to strengthen our risk management framework, credit underwriting and collections infrastructure to maintain high asset quality.
- Continue to leverage technology and data analytics across the lending value chain to enhance efficiency, reduce costs, improve customer experience and manage risks.
- Continue to maintain our credit ratings and a diversified liability mix to optimise our borrowing costs.
- Continue to attract, train and retain talented employees.
- Flagship financial services company of the Tata Group, with a legacy of over 150 years.
- Third largest diversified NBFC in India, with the most comprehensive lending product suite.
- Omni-channel distribution model, comprising our pan-India branch network, partnerships and digital platforms.
- Prudent risk culture and credit underwriting and collections capabilities, resulting in stable asset quality.
- Digital and analytics at the core of our business, driving high quality experience and business outcomes.
How To Apply for Tata Capital Ltd IPO Online?
Step 1:
Log in to the BlinkX stock market app and click ‘IPO’ in the Xplore section.
Step 2:
From the list of open IPOs, select the IPO you want to invest.
Step 3:
Go through the IPO details like lot size, price band, about the company, etc.
Step 4:
Click ‘Apply IPO’ to apply and enter the number of lots and bidding price along with your UPI ID.
Step 5:
Confirm your bid and accept the payment mandate sent to your UPI App for completing the IPO application.
