Tata Capital Ltd

Tata Capital Ltd

₹ 326 -1.44%
29 Oct 2:56 p.m.
About

Tata Capital Limited is a diversified financial services company operating as a non-banking financial company (NBFC) in India.[1]

Key Points

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.

  • Market Cap 1,38,468 Cr.
  • Current Price 326
  • High / Low 337 / 319
  • Stock P/E 37.6
  • 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.

Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2024 Mar 2025 Jun 2025 Sep 2025
7,185 7,478 7,665 7,737
Interest 3,693 3,960 4,066 3,976
1,915 2,072 2,126 2,135
Financing Profit 1,576 1,447 1,473 1,626
Financing Margin % 22% 19% 19% 21%
9 31 27 16
Depreciation 92 109 118 135
Profit before tax 1,494 1,368 1,382 1,507
Tax % 24% 27% 25% 26%
1,133 1,000 1,041 1,119
EPS in Rs 2.87 2.77 2.48 2.72
Gross NPA % 0.80%
Net NPA % 0.40%
Raw PDF

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%

Shareholding Pattern

Numbers in percentages

Oct 2025
85.41%
3.31%
3.13%
7.49%
0.67%
No. of Shareholders 22,61,518

* 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.

Click on the line-items to see the names of individual entities.

Documents