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Tata Capital Ltd IPO

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 Details

Total Shares Offered

₹ 47,58,24,280

Offer to Public

26,58,24,280

Retail Max (Shares)

₹ 16,61,18,498

Pre Issue Promoters Holding

₹ 3,85,55,54,447

Exchange

BSE

Issue size

₹ 15511.87 Cr

IPO Open Date

Oct 6, 2025

Close Date

Oct 8, 2025

Lot Size

Min Investment

₹ 14,260

Issue Type

Book Building

Listing Date

Oct 13, 2025

Tata Capital Ltd IPO Dates

Oct 6, 2025

Opening date

Oct 8, 2025

Closing date

Oct 9, 2025

Basis of Allotment

Oct 10, 2025

Initiation of Refunds

Oct 10, 2025

Credit of Shares

Oct 13, 2025

Listing date

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	1.37x	237312140	324477652
NII	1.98x	71193642	141067142
Retail	1.1x	166118498	182177342
Employee	2.92x	1200000	3507454
Total	1.37x	475824280	651229590

Investor Type

QIB

NII

Retail

Employee

Total

Subscription Times

1.37x

1.98x

1.1x

2.92x

1.37x

237312140

71193642

166118498

1200000

475824280

324477652

141067142

182177342

3507454

651229590

Tata Capital Ltd Financial Status

Income Statement

Particulars (In Rs. Crores)

Balance Sheet

Particulars (In Rs. Crores)

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	1,25,233.05	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)	1,25,233.05	86,600.68	63,572.42
Net Cashflow	7,342.96	4,985.28	2,503.76

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.

Tata Capital Ltd 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.

How To Apply for Tata Capital Ltd IPO Online?

Step 1:

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.

FAQs on IPO (Initial Public Offering)

What is the issue size of the Tata Capital Ltd IPO?

Tata Capital Ltd's IPO offers shares for up to 6,846 It begins on Oct 6, 2025 and ends on Oct 8, 2025.

What is the price of the Tata Capital Ltd IPO?

The price of Tata Capital Ltd IPO ranges between ₹310 to ₹326 per share.

What are the open and close dates for the Tata Capital Ltd IPO?

The Tata Capital Ltd IPO opens on Oct 6, 2025 and closes on Oct 8, 2025.

When will the Tata Capital Ltd IPO be allotted?

The allotment for the Tata Capital Ltd IPO will be finalised on Oct 9, 2025. The shares will be listed on BSE and NSE on Oct 13, 2025.

What is the minimum lot size required for Tata Capital Ltd IPO?

The minimum lot size for Tata Capital Ltd IPO is 46 shares, priced between ₹310 to ₹326 per share.

What is the GMP of Tata Capital Ltd IPO?

The GMP (Grey Market Premium) of Tata Capital Ltd IPO fluctuates based on market demand and sentiment.

How do you check the allotment status of Tata Capital Ltd IPO?

To check the allotment status of Tata Capital Ltd IPO, visit the registrar's website, select the IPO, enter your PAN Card number, Application Number, or DP Client ID, and click 'search.'

Where is the Tata Capital Ltd IPO getting listed?

The Tata Capital Ltd IPO is getting listed on the BSE and NSE. Bidding opens on Oct 6, 2025, and closes on Oct 8, 2025. The allotment is finalised on Oct 9, 2025.

How do you apply for the Tata Capital Ltd IPO?

To apply for the Tata Capital Ltd IPO, download the BlinkX app, complete KYC, select the IPO, enter bid details, and submit. Verify UPI payment for shares allotment.