IPO Details
Bidding Dates
06 Oct 25 - 08 Oct 25
Price Range ₹
310 - 326
Total Equity
₹ 0.00 Cr
Lot Size
46
Exchange Status
NSE,BSE
IPO Doc
Subscription Rate
Non-Institutional Investor
0.35×
Qualified Institutional Buyers
0.52×
Employees
1.10×
Retail Investors
0.35×
Total subscription Rate
0.39×
IPO Timeline
Listing
--
Offer start
06 Oct 2025
Offer end
08 Oct 2025
Allotment
09 Oct 2025
Refund initiation
10 Oct 2025
Demat transfer
10 Oct 2025
Listing
--
Offer start
06 Oct 2025
Offer end
08 Oct 2025
Allotment
09 Oct 2025
Refund initiation
10 Oct 2025
Demat transfer
10 Oct 2025
About Company
Tata Capital Limited (TCL), a subsidiary of Tata Sons, is a diversified NBFC in India offering retail, corporate, and institutional financial products such as personal, home, auto, and education loans; commercial finance including term loans and equipment financing; wealth and investment management; and cleantech finance. As of June 2025, TCL operates 1,516 branches across 1,109 locations in 27 states.Diversified product portfolio with 25+ lending products catering to multiple customer segmentsExtensive pan-India branch network combined with digital and partnership channelsRobust credit underwriting and prudent risk management cultureBacking of the Tata Group with strong brand trust and experienced managementHighest credit rating and diverse liability profile supporting financial stability
Year Founded
08-03-1991
Promotor Details
Saurabh Agrawal
Highlights
- Strong loan book growth driven by retail, SME, and infrastructure segments
- Continued improvement in profitability despite rising funding costs
- Healthy net worth growth with high-quality asset base
- Wide customer base including salaried, self-employed, and corporate clients
- Effective cost control with analytics and digital at the core
Challenges
- Rising gross NPA at 2.33%, indicating asset quality pressures
- Increased provisioning and funding costs impacting margins
- High gearing (borrowings) reflecting leverage risk
- Competitive financial services market with pressure on margins
- Regulatory risks inherent to NBFC sector and macroeconomic sensitivities
Financials
| Years | Total Assets | Share Capital | Profit After Tax | Consolidated Net Profit | Adjusted EPS |
|---|---|---|---|---|---|
| 2021 | 82,19,096.00 | 3,46,360.00 | 2,945.77 | 3,029.20 | 8.6374 |
| 2025 | 2,47,076.84 | 3,762.44 | 97,200.00 | 77,988.00 | 2.3866 |
| 2024 | 1,76,227.48 | 3,703.05 | 19,792.00 | 21,425.00 | 0.7739 |
| 2022 | 1,04,27,879.00 | 3,46,335.00 | 47,008.00 | 45,954.00 | 1.1646 |
| 2023 | 1,35,245.03 | 3,507.07 | 3,655.02 | 3,664.66 | 9.7401 |
