Tata Capital IPO Details 2026

Tata Capital Limited (TCL) is a diversified financial services company and a subsidiary of Tata Sons Private Limited. TCL operates as a non-banking financial company (NBFC) in India, offering a wide range of financial products and services to retail, corporate, and institutional customers.

Key Offerings:

• Consumer Loans: Personal loans, home loans, auto loans, education loans, and loans against property.
• Commercial Finance: Term loans, working capital loans, equipment financing, and lease rental discounting for businesses.
• Wealth Management: Services including portfolio management, investment advisory, and distribution of financial products.
• Investment Banking: Equity capital markets, mergers and acquisitions advisory, and structured finance solutions.
• Private Equity: Managing funds that invest in companies with significant growth potential.
• Cleantech Finance: Financing and advisory services for projects in renewable energy, energy efficiency, waste management, and water management.

As of March 31, 2025, it has a comprehensive suite of 25+ lending products, catering to a diverse customer base including salaried and self-employed individuals, entrepreneurs, small businesses, small and medium enterprises and corporates.

As of June 30, 2025, it has an extensive PAN-India distribution network comprising 1,516 branches spanning 1,109 locations across 27 States and Union Territories.

In addition to the lending business, it also operates in non-lending segments like distribution of third-party products like insurance, credit cards, wealth management services to HNIs and retail clients, and the Private equity business.

Competitive strengths

• Flagship financial services company of the Tata group
• Third largest diversified NBFC in India, with the most comprehensive lending product suite
• Omni-channel distribution model, comprising our pan-India branch network, partnerships and digital platforms
• Prudent risk culture and robust credit underwriting and collections capabilities
• Digital and analytics at the core of our business
• Highest credit rating with a diverse liability profile
• Consistent track record of strong financial performance
• Experienced management backed by a team of dedicated professionals