Massive ₹15,500 Crore Tata Capital IPO Opens-Dates, Price Band & Insights!
Tata Capital IPO: The much-awaited Tata Capital IPO is finally here, opened today on October 6, 2025, and closing on October 8, 2025. Backed by the prestigious Tata Group, the financial services arm is all set to make one of the largest public issues of the year, aiming to raise around ₹15,511.87 crores. The IPO comprises a fresh issue worth ₹6,846 crores and an offer for sale (OFS) of 26.58 crore equity shares. With a price band of ₹310–₹326 per share, the offering has already sparked strong investor interest across retail and institutional segments.
Tata Capital IPO Overview: Key Highlights
Let’s look at all the important details at a glance:
| Particulars | Details |
|---|---|
| IPO Open Date | October 6, 2025 |
| IPO Close Date | October 8, 2025 |
| Face Value | ₹10 per share |
| Price Band | ₹310 – ₹326 |
| Total Issue Size | ₹15,511.87 crore |
| Fresh Issue | ₹6,846 crore |
| Offer for Sale (OFS) | 26,58,24,280 shares |
| Issue Type | Book Built Issue |
| Listing Exchanges | BSE & NSE |
| Allotment Date | October 9, 2025 |
| Listing Date | October 13, 2025 |
Tata Capital IPO DRHP: Click Here
Tata Capital IPO RHP: Click Here
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Tata Capital IPO Market Lot
Tata Capital Limited, a registered NBFC with the Reserve Bank of India (RBI), serves as a one-stop financial partner for retail, corporate, and institutional clients. The company operates with a strong balance sheet and brand trust built over decades.
Retail investors can apply for a minimum of 46 shares (₹14,996) and up to 13 lots (598 shares) for ₹1,94,948. The quota distribution has been aligned per SEBI norms.
| Application Type | Lot Size | Shares | Amount (₹) |
|---|---|---|---|
| Retail Minimum | 1 | 46 | 14,996 |
| Retail Maximum | 13 | 598 | 1,94,948 |
| S-HNI Minimum | 14 | 644 | 2,09,944 |
| S-HNI Maximum | 67 | 3,036 | 9,89,736 |
| B-HNI Minimum | 68 | 3,082 | 10,04,732 |
Financial Performance & Growth Momentum
Tata Capital has shown remarkable financial growth over the past three years. Its revenue jumped from ₹13,637 crore in FY23 to ₹28,369 crore in FY25, while profits rose steadily to ₹3,655 crore. This steady growth reflects robust loan book expansion, lower NPAs, and efficient capital utilization.
| Financial Year | Revenue (₹ Cr) | Expenses (₹ Cr) | PAT (₹ Cr) | Assets (₹ Cr) |
|---|---|---|---|---|
| 2023 | 13,637.49 | 9,847.63 | 2,945.77 | 1,35,626.10 |
| 2024 | 18,198.38 | 13,794.78 | 3,326.96 | 1,76,693.98 |
| 2025 | 28,369.87 | 23,448.73 | 3,655.02 | 2,48,465.01 |
The Return on Equity (ROE) stands at 12.6%, while the Return on Net Worth (RoNW) is 11.2%. With an EPS of ₹9.3 and NAV of ₹79.5, Tata Capital appears fairly valued compared to peers.
Peer Comparison: How Tata Capital Stacks Up
In the competitive NBFC space, Tata Capital faces strong rivals like Bajaj Finance, Shriram Finance, and Cholamandalam. However, its backing by Tata Sons, diversified portfolio, and solid Tier-I capital make it a long-term contender in India’s financial ecosystem.
| Company | EPS | PE Ratio | RoNW (%) | NAV (₹) | Income (₹ Cr) |
|---|---|---|---|---|---|
| Bajaj Finance Ltd | 26.89 | 32.6 | 17.35 | 155.6 | 69,683.51 |
| Shriram Finance Ltd | 50.82 | 12.1 | 16.83 | 300.3 | 41,834.42 |
| Cholamandalam Inv. & Fin. | 50.72 | 28.1 | 18.01 | 281.5 | 25,845.98 |
| L&T Finance Ltd | 10.61 | 19.0 | 10.34 | 102.5 | 15,924.24 |
| Sundaram Finance Ltd | 170.53 | 26.8 | 13.74 | 1,187.8 | 8,485.63 |
| HDB Financial Services Ltd | 27.40 | 27.4 | 14.57 | 198.8 | 16,300.28 |
Objects of the Issue & Use of Proceeds
The fresh issue proceeds will be used for augmenting Tier-I capital to support future growth and lending capacity. The company plans to expand its retail loan book, strengthen digital lending platforms, and enhance credit quality parameters — all while adhering to RBI’s new prudential norms.
Insights: Should You Apply?
Given its strong brand legacy, steady financial growth, and healthy asset quality, the Tata Capital IPO seems well-positioned for long-term investors. While the valuation appears moderate, the growth trajectory and diversification across lending verticals make it a promising opportunity for investors seeking exposure to India’s NBFC sector.
Analysts believe the listing premium could range between 10–15%, driven by robust demand from institutional investors. However, traders should note that market sentiment closer to the listing date could influence short-term performance.
Conclusion: Tata Capital IPO Review
The Tata Capital IPO stands as one of India’s most anticipated listings of 2025, symbolizing the group’s confidence in the expanding NBFC landscape. Investors looking for long-term wealth creation may find this IPO a worthy addition to their portfolio — provided they align it with their risk profile and investment horizon.
Registrar & Contact Details
Registrar: MUFG Intime India Pvt. Ltd.
📧 Email: tatacapital.ipo@in.mpms.mufg.com
🌐 Website: in.mpms.mufg.com
Company Address:
Tata Capital Ltd., 11th Floor, Tower A, Peninsula Business Park,
Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013
📞 +91 22 6606 900
🌐 tatacapital.com
Tata Capital IPO FAQs
1. What is Tata Capital IPO?
It’s a mainboard IPO by Tata Capital to raise ₹15,511.87 crores via fresh issue and OFS.
2. When does Tata Capital IPO open and close?
It opens on October 6, 2025, and closes on October 8, 2025.
3. What is the Tata Capital IPO price band?
The price band is fixed between ₹310 and ₹326 per share.
4. What is the total issue size of Tata Capital IPO?
The total issue size is ₹15,511.87 crores.
5. How much portion is reserved for investors?
QIB – 50%, HNI – 15%, Retail – 35%, Employees – 0.25%.
6. What is the minimum lot size for retail investors?
Retail investors can apply for a minimum of 46 shares (₹14,996).
7. What is the maximum lot size for retail investors?
The maximum limit is 13 lots (598 shares) worth ₹1,94,948.
8. When is Tata Capital IPO allotment date?
Allotment will be finalized on October 9, 2025.
9. When will Tata Capital IPO list on exchanges?
Listing is scheduled for October 13, 2025 on BSE and NSE.
10. Who is the registrar for Tata Capital IPO?
MUFG Intime India Pvt. Ltd. is the official registrar.
11. Should investors apply for Tata Capital IPO?
Analysts recommend a long-term subscribe for steady growth potential.
12. How can investors apply for Tata Capital IPO?
Apply via ASBA or UPI through your bank or broker.
13. Is there any employee quota in Tata Capital IPO?
Yes, 12 lakh shares (0.25%) are reserved for employees.
14. What’s the expected Tata Capital IPO listing gain?
Analysts expect a 10–15% premium on listing day.
Disclaimer: The views and investment insights provided here are based on publicly available information and do not constitute financial advice. Readers are advised to conduct their own research or consult certified financial experts before making investment decisions.
