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 ₹ 1,38,468 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.
Peer comparison
Financial Services Financial Services Finance Non Banking Financial Company (NBFC)
Part of BSE IPO
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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Audio Recording Of Earnings Conference Call For The Quarter And Half Year Ended September 30, 2025
13h - Audio of Oct 28 earnings call for quarter/half year ended Sept 30, 2025 posted online.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
19h - Q2FY26: PAT ₹1,128 crore (ex non-recurring); AUM ₹2,15,574 crore; board approved Oct 28, 2025.
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Announcement under Regulation 30 (LODR)-Investor Presentation
19h - Tata Capital Limited has informed about Investor Presentation
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Financial Results For The Quarter And Half Year Ended September 30, 2025
19h - Tata Capital approved unaudited standalone and consolidated Q2/H1 results for Sept 30, 2025; limited review unmodified.
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Board Meeting Outcome for Outcome Of Board Meeting Held On October 28, 2025.
19h - Approved unaudited standalone/consolidated results for quarter and half year ended Sep 30, 2025; limited reviews unmodified.
Concalls
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Oct 2025TranscriptNotesPPT
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.