Details of Tata Capital Limited IPO : Lot Size, Check Issue Date, Price

Tata Capital IPO Price: ₹310 to ₹326 per share
IPO Dates:
6th October 2025 – 8th October 2025

Company Overview

Tata Capital Limited (TCL), incorporated in 1991, is the flagship financial services arm of the Tata Group and a wholly-owned subsidiary of Tata Sons Private Limited. Categorised as an Upper Layer NBFC by the RBI, Tata Capital offers a wide range of lending and non-lending financial services catering to retail, corporate, and institutional customers across India.

The company serves 7.3 million customers since it began lending operations in 2007 and, as of June 30, 2025, manages Total Gross Loans of ₹2,334 billion, making it the third-largest diversified NBFC in India.

Key Offerings

Tata Capital provides a comprehensive suite of 25+ lending products, including:

  • Consumer Loans: Personal, home, auto, education loans, and loans against property.
  • Commercial Finance: Term loans, working capital loans, equipment financing, and lease rental discounting.
  • Wealth Management: Portfolio management, investment advisory, and distribution of financial products.
  • Investment Banking: Equity capital markets, mergers & acquisitions advisory, and structured finance solutions.
  • Private Equity: Managing funds for high-growth companies.
  • Cleantech Finance: Advisory and financing solutions for renewable energy, waste management, and water management projects.

In addition, the company distributes third-party products like insurance and credit cards, offers wealth management services to HNIs and retail clients, and manages private equity businesses.

Distribution Network

As of June 30, 2025, Tata Capital has built an extensive pan-India presence with:

  • 1,516 branches across 1,109 locations in 27 States and Union Territories
  • Support from 30,000 DSAs, 400 OEMs, 8,000 dealers, and 60+ digital partners

The branch network has grown at a CAGR of 58.3% between March 2023 and June 2025, strengthening the company’s reach to retail and SME segments.

Business Strategies

Tata Capital aims to continue its strong growth trajectory through:

Harnessing its merger with TMFL to become a full-stack vehicle finance provider.

Expanding product offerings and distribution network.

Strengthening risk management and collections framework.

Leveraging technology and data analytics to improve efficiency and customer experience.

Maintaining high credit ratings and a diversified liability mix for cost optimisation.

Investing in talent acquisition and training to build a skilled workforce.

Competitive Strengths

  • Flagship financial services company of the Tata Group with a legacy of 150+ years
  • 3rd largest diversified NBFC in India, with the most comprehensive lending suite
  • Omni-channel distribution model – branches, partnerships, and digital platforms
  • Robust risk management and credit underwriting capabilities
  • Digital-first approach, leveraging technology and analytics
  • Highest credit rating (AAA) from CRISIL, ICRA, CARE, and India Ratings
  • Consistent financial performance with attractive asset quality
  • Experienced leadership team backed by skilled professionals

Bidding Starts In

Tata Capital IPO Specifics:

IPO DateOctober 6, 2025 to October 8, 2025
Face Value₹10 per share
Price Band₹310 to ₹326 per share
Lot Size46 Shares
Total Issue Size47,58,24,280 shares
(aggregating up to ₹15,511.87 Cr)
Fresh Issue21,00,00,000 shares
(aggregating up to ₹6,846.00 Cr)
Offer for Sale26,58,24,280 shares of ₹10
(aggregating up to ₹8,665.87 Cr)
Issue TypeBook Built Issue IPO
Listing AtBSE, NSE
Share Holding Pre Issue4,03,48,69,037 shares
Share Holding Post Issue4,24,48,69,037 shares

Tata Capital IPO Timetable (Important Dates)

IPO Open DateMonday, October 6 2025
IPO Close DateWednesday, October 8 2025
Tentative AllotmentThursday, October 9 2025
Initiation of RefundsFriday, October 10 2025
Credit of Shares to DematFriday, October 10 2025
Listing DateMonday, October 13 2025
Cut-off time for UPI mandate confirmation5 PM on October 8, 2025

Tata Capital IPO Lot Size

Bidders have the opportunity to bid for a minimum of 46 shares, with the option to increase in multiples. The table below outlines the minimum and maximum investment thresholds for both retail investors and High Net Worth Individuals (HNIs), specifying the corresponding number of shares and amounts involved.

ApplicationLotsSharesAmount
Retail (Min)146₹14,892
Retail (Max)13598₹1,94,948
S-HNI (Min)14644₹2,09,944
S-HNI (Max)663036₹9,89,736
B-HNI (Min)673082₹10,04,732

Tata Capital IPO Reservation

QIB Shares OfferedNot more than 50% of the Net offer
Retail Shares OfferedNot less than 35% of the Offer
NII (HNI) Shares OfferedNot less than 15% of the Offer

Tata Capital Limited IPO Financial Information

Period Ended31 Mar 202331 Mar 202431 Mar 202530 Jun 2025
Assets1,35,626.101,76,693.982,48,465.012,52,254.28
Total Income13,637.4918,198.3828,369.877,691.65
Profit After Tax2,945.773,326.963,655.021,040.93
EBITDA10,763.2214,247.7620,338.225,565.86
NET Worth17,959.0623,540.1932,587.8232,761.73
Reserves and Surplus11,899.3218,121.8324,299.3629,260.88
Total Borrowing1,13,335.911,48,185.292,08,414.932,11,851.60

Key Performance Indicator – Tata Capital IPO

KPIValues
Market Cap₹138382.73 Cr
EPS₹9.06
P/E (x)35.99
ROE12.6%
Debt/Equity6.60
RoNW11.2%
as of Mar 31, 2025

Objects of the Issue:

Tata Capital Limited proposes to utilize the net proceeds from its Initial Public Offering (IPO) for the following purpose:

Augmentation of Tier-I Capital Base: The company will allocate the proceeds towards strengthening its Tier-I capital base to meet future capital requirements, including onward lending.

Prospectus Links:

Prospectus: Official documents that provide detailed information about the IPO and the company.

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