Tata Capital IPO 2025: Latest Details, Issue Size & How to Invest

Tata Capital IPO 2025: Everything You Need to Know

The Tata Capital IPO 2025 is one of the most anticipated public offerings this year, marking a significant milestone for the Tata Group's financial services arm. Registered as a large non-banking financial company (NBFC), Tata Capital is going public to meet regulatory requirements and fuel future growth.

What Is Tata Capital and Why Is Its IPO Important?

Tata Capital Ltd is a major NBFC under Tata Sons, offering a rich bouquet of financial products such as business loans, personal loans, wealth management, and more. It serves over 5.2 million customers across 900 branches, backed by an asset base of approximately ₹2.2 lakh crore as of FY25.

The IPO is necessary due to Reserve Bank of India (RBI) rules, mandating listing for "upper layer" NBFCs like Tata Capital by September 2025 to increase transparency and regulatory compliance.

Key Tata Capital IPO Details (2025)

Aspect	Details
IPO Size	Approx. ₹17,200 crore (47.58 crore shares)
Fresh Issue	21 crore equity shares
Offer for Sale (OFS)	26.58 crore shares by existing shareholders
Price Band*	Around ₹400 per share (final to be announced)
Promoters Selling	Tata Sons plans to sell ~23 crore shares
Other Sellers	International Finance Corporation (IFC) selling ~3.58 crore shares
Purpose of IPO	Strengthening Tier-1 capital base for lending expansion
Listing Deadline	By September 2025 as per RBI’s NBFC norms

*The final price band will be notified closer to the issue date.

Financial Health & Growth Prospects

Tata Capital had a robust fiscal year 2025 with:

• Net profit rising nearly 10-16% to about ₹3,655 crore

• Revenue growth of 57% reaching ₹25,719 crore

• A loan book of ₹2.26 lakh crore, ranking it as the third-largest diversified NBFC in India

This strong financial performance combined with Tata's brand equity supports a promising prospect for investors.

Who Are the IPO Lead Managers?

Leading investment banks involved include:

• Kotak Mahindra Capital

• Axis Capital

• Citi

• BNP Paribas

• HDFC Bank

• HSBC

• ICICI Securities

• IIFL

• SBI Capital

• JP Morgan

The registrar for the IPO is MUFG Intime India Pvt. Ltd (formerly Link Intime).

How Will Tata Capital Use the IPO Proceeds?

The fresh capital raised from the IPO will primarily be used to:

• Augment Tata Capital’s Tier-1 capital base

• Support future lending operations and business expansion

• Meet regulatory capital requirements in a competitive NBFC market.

Investment Considerations

• The IPO is among the largest in India’s financial services sector for 2025, reflecting strong investor interest.

• The price-to-earnings ratio implied by the expected IPO price is more reasonable than pre-listing valuations, indicating potential value for long-term investors.

• Given Tata Capital’s leadership position and parentage by Tata Sons, the IPO may attract both domestic and international investors.

Frequently Asked Questions (FAQ)

Q1: When will Tata Capital IPO open for subscription?The IPO dates will be announced soon after the final price band is fixed, expected before September 2025.

Q2: How many shares are being offered in Tata Capital IPO?A total of 47.58 crore shares are on offer, including 21 crore fresh shares and 26.58 crore shares offered for sale.

Q3: Where can I apply for Tata Capital IPO?You can apply through authorized brokers, online trading platforms like Zerodha, or through designated registrar portals.

For investors interested in detailed analyses and ongoing updates, visit abhinandps.com for expert insights and stay tuned to authoritative sites like SEBI and leading financial news sources.

The Tata Capital IPO 2025 not only fulfills regulatory mandates but also opens up a promising investment opportunity in a leading NBFC backed by one of India’s most trusted business groups. Prepare to invest wisely as this major IPO approaches.

Sources:Angel One - Tata Capital IPO detailsFinancial Express - Tata Capital IPO overviewMoneycontrol - Tata Capital IPO roadshowsIPO Watch - Board approval and share breakdownUnlisted Zone - Business model and valuationEconomic Times - Regulatory context and finances