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 ₹ 1,37,066 Cr.
- Current Price ₹ 323
- High / Low ₹ 337 / 315
- Stock P/E 37.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.58 %
- ROE 12.9 %
- 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 9,835 | 10,162 | 13,631 | 18,178 | 28,324 | |
| Interest | 5,213 | 4,889 | 6,601 | 9,568 | 15,030 |
| 2,826 | 2,908 | 3,018 | 3,951 | 8,032 | |
| Financing Profit | 1,797 | 2,364 | 4,013 | 4,659 | 5,263 |
| Financing Margin % | 18% | 23% | 29% | 26% | 19% |
| 152 | 260 | 150 | 21 | 46 | |
| Depreciation | 334 | 276 | 226 | 288 | 390 |
| Profit before tax | 1,615 | 2,348 | 3,937 | 4,392 | 4,919 |
| Tax % | 23% | 23% | 25% | 24% | 26% |
| 1,245 | 1,801 | 2,946 | 3,327 | 3,655 | |
| EPS in Rs | 3.20 | 4.69 | 8.51 | 8.41 | 9.64 |
| Dividend Payout % | 0% | 3% | 2% | 2% | 4% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 41% |
| TTM: | 56% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 31% |
| TTM: | 17% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 16% |
| Last Year: | 13% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 3,464 | 3,463 | 3,507 | 3,703 | 3,762 | 4,007 |
| Reserves | 6,509 | 8,250 | 13,833 | 19,714 | 29,429 | 32,277 |
| Borrowing | 69,166 | 86,343 | 113,541 | 148,512 | 208,851 | 213,294 |
| 3,792 | 4,319 | 4,745 | 4,765 | 6,422 | 6,649 | |
| Total Liabilities | 82,930 | 102,376 | 135,626 | 176,694 | 248,465 | 256,228 |
| 901 | 719 | 733 | 1,190 | 2,003 | 2,506 | |
| CWIP | 8 | 11 | 20 | 8 | 16 | 2 |
| Investments | 4,653 | 7,846 | 13,254 | 8,733 | 9,866 | 9,337 |
| 77,368 | 93,798 | 121,619 | 166,763 | 236,580 | 244,383 | |
| Total Assets | 82,930 | 102,376 | 135,626 | 176,694 | 248,465 | 256,228 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 3,137 | -14,387 | -23,190 | -37,999 | -29,872 | |
| -2,626 | -2,614 | -2,263 | 5,758 | 3,167 | |
| -2,787 | 17,056 | 26,430 | 35,952 | 29,412 | |
| Net Cash Flow | -2,275 | 55 | 977 | 3,712 | 2,707 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| ROE % | 15% | 21% | 15% | 13% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
10 Dec - Tata Capital Limited has informed regarding Schedule of Analyst / Institutional Investor Meetings.
-
Announcement under Regulation 30 (LODR)-Investor Presentation
4 Dec - Tata Capital Limited has informed about Investor Presentation.
-
Disclosure Under Regulation 30 Of The SEBI LODR
3 Dec - SEBI settlement: Tata Capital paid Rs.14,40,000 for CRPS issuance violations from 2015 and 2017; no material impact.
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
3 Dec - Tata Capital Limited has informed regarding Schedule of Analyst / Institutional Investor Meeting.
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1 Dec - Tata Capital virtual analyst/institutional investor meeting scheduled December 4, 2025.
Concalls
-
Dec 2025TranscriptAI SummaryPPT
-
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.