Tata Capital Ltd
Tata Capital Limited is a diversified financial services company operating as a non-banking financial company (NBFC) in India.[1]
- Market Cap ₹ 1,37,850 Cr.
- Current Price ₹ 325
- High / Low ₹ 337 / 315
- Stock P/E 54.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.76 %
- ROE 11.9 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Finance Non Banking Financial Company (NBFC)
Part of BSE IPO
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 452 | 501 | 10,173 | 13,293 | 21,897 | |
| Interest | 255 | 290 | 4,557 | 6,646 | 10,889 |
| 127 | 112 | 2,366 | 3,211 | 7,335 | |
| Financing Profit | 70 | 99 | 3,250 | 3,436 | 3,673 |
| Financing Margin % | 15% | 20% | 32% | 26% | 17% |
| 1 | 11 | -3 | 16 | 43 | |
| Depreciation | 7 | 7 | 198 | 244 | 340 |
| Profit before tax | 63 | 103 | 3,049 | 3,209 | 3,375 |
| Tax % | 26% | 19% | 24% | 22% | 23% |
| 47 | 83 | 2,321 | 2,492 | 2,594 | |
| EPS in Rs | 0.13 | 0.24 | 6.52 | 6.65 | 6.83 |
| Dividend Payout % | -0% | 68% | 3% | 3% | 6% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 252% |
| TTM: | 65% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 215% |
| TTM: | 4% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 15% |
| Last Year: | 12% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 3,516 | 3,516 | 3,560 | 3,746 | 3,800 | 4,035 |
| Reserves | 3,413 | 3,502 | 11,181 | 15,706 | 20,136 | 26,275 |
| Borrowing | 3,449 | 4,091 | 78,881 | 101,125 | 147,650 | 146,801 |
| 137 | 154 | 3,180 | 3,136 | 8,651 | 4,260 | |
| Total Liabilities | 10,514 | 11,263 | 96,802 | 123,713 | 180,237 | 181,370 |
| 90 | 85 | 605 | 998 | 1,801 | 2,314 | |
| CWIP | -0 | -0 | 10 | 7 | 14 | 0 |
| Investments | 9,083 | 10,140 | 12,010 | 9,493 | 11,501 | 10,809 |
| 1,341 | 1,038 | 84,177 | 113,215 | 166,922 | 168,247 | |
| Total Assets | 10,514 | 11,263 | 96,802 | 123,713 | 180,237 | 181,370 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -62 | 454 | -16,484 | -23,977 | -17,091 | |
| -30 | -1,018 | -1,932 | 3,189 | 2,767 | |
| 116 | 541 | 19,413 | 23,409 | 15,985 | |
| Net Cash Flow | 23 | -23 | 996 | 2,621 | 1,661 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| ROE % | 1% | 21% | 15% | 12% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment
14 Nov - Allotted Rs.750cr (Series B) and Rs.800cr (Series C) NCDs on Nov 14, 2025; tenors to 2030/2028; coupons 7.30%/7.12%.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
10 Nov - Tata Capital Limited has informed regarding Schedule of Analyst / Institutional Investor Meeting.
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Shareholder Meeting / Postal Ballot-Outcome of Postal_Ballot
10 Nov - Postal ballot approved Geetha Ravichandran (Independent) and Ankur Verma (Non-exec) on Nov 10, 2025.
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Shareholder Meeting / Postal Ballot-Scrutinizer"s Report
10 Nov - Members approved Geetha Ravichandran (Independent) and Ankur Verma (Non-exec) via postal ballot; results declared Nov 10, 2025.
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
3 Nov - Q2 FY26 call: AUM INR2.16/2.44L cr; PAT INR1,128/1,097cr; guidance AUM 22–25%(ex-MF), credit cost ~1.1–1.3%.
Concalls
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Nov 2025Transcript PPT REC
Business Profile[1]
Tata Capital is the 3rd largest and one of the fastest-growing diversified NBFCs in India, with a loan book of 2.33 lakh crore as of June 2025. It serves 7.3 Mn customers, offering over 25 lending products catered to individuals, SMEs, and corporates. The company benefits from strong group synergy as the flagship financial services arm of the Tata group, with a heritage of over 150 years.