Tata Capital Ltd

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Tata Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Tata Capital Ltd

₹ 309 -0.82%
22 Oct 2:32 p.m.
tatacapital.com BSE: 544574 NSE: TATACAP
About

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is carrying on business as a NBFC. It is engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.[1]

Key Points

Business Profile:[1][2]
Tata Capital is the 3rd largest and one of
the fastest-growing diversified NBFCs in
India with a 100% owned housing finance subsidiary with a loan book of 2.77 lakh crore as of FY26. It serves 7.3 Mn customers, offering over 25 lending products catered to individuals, SMEs, and corporates.
The company benefits from group synergy as the flagship financial services arm of the Tata group, with a heritage of 150+ years.

Website BSE NSE
  • Market Cap ₹ 1,31,315 Cr.
  • Current Price ₹ 309
  • High / Low ₹ 390 / 296
  • Stock P/E 35.8
  • Book Value ₹ 91.9
  • Dividend Yield 0.18 %
  • ROCE 8.14 %
  • ROE 9.63 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 3.32 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.2% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 5.62% of profits over last 3 years

* 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 500 BSE Diversified Financials Revenue Growth BSE 200 BSE Dollex 200 Nifty Next 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
5,428 5,368 5,665 5,575 5,584 5,783 6,110 6,334
Interest 2,680 2,765 2,836 2,871 2,742 2,678 2,732 3,017
1,747 1,569 1,876 1,861 1,835 1,882 1,711 1,835
Financing Profit 1,001 1,034 954 842 1,007 1,223 1,667 1,482
Financing Margin % 18% 19% 17% 15% 18% 21% 27% 23%
6 8 30 25 8 -33 1 3
Depreciation 80 87 95 105 122 128 129 142
Profit before tax 927 955 889 763 893 1,062 1,540 1,343
Tax % 24% 25% 26% 26% 26% 26% 23% 26%
707 719 655 568 661 790 1,183 999
EPS in Rs 1.89 1.92 1.72 1.43 1.64 1.86 2.79 2.35
Gross NPA % 1.89% 2.29% 2.33% 2.62% 2.89% 2.90% 2.61% 2.45%
Net NPA % 0.52% 0.95% 0.98% 1.24% 1.40% 1.37% 1.15% 1.07%
Raw PDF
Upcoming result date: 27 October 2026

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
452 501 10,173 13,293 21,895 23,076 23,811
Interest 255 290 4,557 6,646 10,889 11,023 11,169
127 112 2,366 3,211 7,335 7,290 7,264
Financing Profit 70 99 3,250 3,436 3,671 4,763 5,378
Financing Margin % 15% 20% 32% 26% 17% 21% 23%
1 11 -3 16 45 -23 -21
Depreciation 7 7 198 244 340 483 520
Profit before tax 63 103 3,049 3,209 3,375 4,257 4,837
Tax % 26% 19% 24% 22% 23% 25%
47 83 2,321 2,492 2,594 3,201 3,633
EPS in Rs 0.13 0.24 6.52 6.65 6.83 7.54 8.64
Dividend Payout % 0% 68% 3% 3% 6% 8%
Compounded Sales Growth
10 Years: %
5 Years: 120%
3 Years: 31%
TTM: 8%
Compounded Profit Growth
10 Years: %
5 Years: 133%
3 Years: 12%
TTM: 38%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -5%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 11%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 3,516 3,516 3,560 3,746 3,800 4,245
Reserves 3,413 3,502 11,181 15,706 24,154 34,768
Borrowing 3,449 4,091 78,881 101,125 147,650 161,849
137 154 3,180 3,136 4,488 6,030
Total Liabilities 10,514 11,263 96,802 123,713 180,092 206,892
90 85 605 998 1,801 2,416
CWIP 0 0 10 7 14 32
Investments 9,083 10,140 12,010 9,493 11,501 11,240
1,341 1,038 84,177 113,215 166,776 193,204
Total Assets 10,514 11,263 96,802 123,713 180,092 206,892

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-62 454 -16,484 -23,977 -17,191 -22,875
-30 -1,018 -1,932 3,189 2,866 85
116 541 19,413 23,409 15,985 19,155
Net Cash Flow 23 -23 996 2,621 1,660 -3,635
Free Cash Flow -62 453 -16,584 -24,587 -18,183 -23,812

Ratios

Standalone / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 1% 1% 21% 15% 11% 10%

Insights

In beta
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
TCHFL (Housing Finance Subsidiary) AUM
₹ crore

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Customer Base
millions
Disbursements
₹ crore
Number of Branches
Number
On-roll Employee Count
Number
Core Business (ex-Motor Finance) % of Net AUM
%
Net AUM (Consolidated)
₹ crore
Unsecured Retail % of Net AUM
%

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Shareholding Pattern

Numbers in percentages

Dec 2025Mar 2026Jun 2026Sep 2026
85.41% 85.41% 85.41% 85.41%
4.63% 4.88% 5.17% 5.06%
3.33% 3.60% 3.57% 3.87%
5.97% 5.43% 5.19% 4.99%
0.66% 0.66% 0.65% 0.64%
No. of Shareholders 14,04,33412,69,83312,11,91111,46,736

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

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DRHP

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