Tata Capital IPO Date, Price, GMP, Review, All Details
The Tata Capital IPO is creating significant buzz in the Indian stock market, marking a landmark public issue from one of India’s most trusted financial services brands. Here is a detailed article covering all major aspects of the Tata Capital IPO, including company fundamentals, IPO structure, key financials, risk factors, and what makes this offering unique.
About Tata Capital Limited
Tata Capital Limited is a leading non-banking financial company (NBFC) in India and a wholly-owned subsidiary of Tata Sons. The company operates across retail, consumer, and corporate lending. It has a diversified product portfolio, including personal loans, business loans, home loans, vehicle finance, infrastructure financing, and wealth management. Tata Capital’s assets under management stand at approximately ₹2.33 lakh crore, reflecting its substantial presence in the Indian financial services sector. The brand leverages the Tata Group’s legacy, strong governance, and expansive distribution network to serve millions of customers.
Tata Capital IPO Structure and Key Details
Issue Size: ₹15,511 crore (Fresh Issue: ₹6,846 crore + Offer for Sale: ₹8,665 crore).
Lot Size: 46 shares.
Minimum Investment: ₹14,260 (based on the lower price band).
Allotment Date: October 9, 2025.
Refunds & Listing: Refunds start October 10; Listing on October 13, 2025.
The issue comprises both a fresh issue of shares and an offer for sale (OFS) by existing shareholders including Tata Sons and International Finance Corporation. The IPO is being conducted to raise growth capital, strengthen the balance sheet, and give liquidity to early investors.
Financial Highlights
Assets Under Management (AUM): ₹2.33 lakh crore.
Revenue (FY25): Over ₹17,000 crore (estimated).
Net Profit (FY25): ₹1,900 crore+ (estimated).
Tata Capital has demonstrated a consistent growth rate and strong asset quality over the past years.
Leading investor names in the anchor book include LIC and Norway’s sovereign wealth fund.
Business Strengths
Brand Trust: Affiliation with the Tata Group gives a trust premium.
Diversified Portfolio: Broad range of lending and financial solutions.
Distribution: Extensive pan-India presence, both digital and physical.
Experienced Management: Professional leadership and robust governance.
Risks and Considerations
Market Risk: NBFCs are vulnerable to macroeconomic shifts, rising interest rates, and credit cycles.
Regulatory Risk: Any tightening of regulations by RBI/SEBI could impact operations.
Competition: Faces strong competition from both private banks and fintech NBFCs.
IPO Size: The OFS portion is sizeable, diluting some equity for existing shareholders.
Should Investors Apply?
Tata Capital’s IPO is attracting attention due to its scale and pedigree. Its strong fundamentals, diversified lending business, and backing by the Tata Group make it a promising listing for both institutional and retail investors. However, as with any financial sector offering, prospective investors should assess risk factors, especially sector volatility and regulatory issues.
Key Tata Capital IPO Dates
| Event | Date |
|---|---|
| Issue Opens | 6 October 2025 |
| Issue Closes | 8 October 2025 |
| Allotment | 9 October 2025 |
| Refunds | 10 October 2025 |
| Listing | 13 October 2025 |
Tata Capital’s IPO is positioned to be a marquee event in the Indian equity markets for 2025, promising growth potential for investors and further solidifying Tata’s leadership in Indian finance.
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