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Tata Capital is the flagship financial services company of the Tata group and a subsidiary of Tata Sons Pvt. Ltd. It is the 3rd largest diversified NBFC in India with Total Gross Loans of ₹2,334 billion as at June 30, 2025, serving 7.3 million customers since 2007. The company caters to retail, SMEs, corporates, and entrepreneurs through 25+ lending products, as well as wealth management and third-party product distribution. With 1,516 branches across India, Tata Capital is supported by AAA ratings from CRISIL, ICRA, CARE, and India Ratings.
Tata Capital, with the legacy of the Tata Group, is well-positioned for growth as the 3rd largest NBFC in India. The IPO provides investors an opportunity to participate in India’s expanding credit market. While valuation is on the higher side, the company’s strong brand, wide product portfolio, risk management practices, and fresh capital infusion strengthen its long-term investment case. High debt-to-equity (6.6x) and competitive sector dynamics remain key risks. Overall, this IPO is suitable for investors with a long-term horizon.
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