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 ₹ 1,53,049 Cr.
- Current Price ₹ 361
- High / Low ₹ 363 / 315
- Stock P/E 41.6
- 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
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Board Meeting Intimation for Considering And Approving The Unaudited Standalone And Consolidated Financial Results Of The Company For The Quarter And Nine Months Ended December 31, 2025
2d - Board meeting Jan 19, 2026 to approve Q3/9M results ended Dec 31, 2025; trading window closed.
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Disclosure Under Regulations 30 And 51 Of The SEBI LODR
23 Dec - SEBI settlement: Tata Capital (ex-TMFL) paid Rs.32,00,000 for NCD issuance violations; receipt dated Dec 23, 2025.
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Intimation Under Reg. 7(2) Of SEBI (Prohibition Of Insider Trading) Regulations, 2015
22 Dec - 43,26,651 shares (0.10%) transferred to TML Commercial Vehicles (now Tata Motors) per NCLT-sanctioned scheme; effective Oct 1, 2025.
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Closure of Trading Window
22 Dec - Trading window closed from Dec 24, 2025 until 48 hours after Q3/9M results for period ended Dec 31, 2025.
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 19 Dec
Concalls
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Dec 2025TranscriptAI SummaryPPT
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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.