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Tata Capital Ltd

Tata Capital Ltd

NSE: TATACAP | BSE: 544574
375.05+3.20 (0.86%)
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    Performance

    Historical price movement and trading activity

    Trading Data

    Today's High

    376.85

    Today's Low

    371.3

    Open

    371.85

    Previous Close

    375.05

    Volume

    1331842

    Total Traded Value High

    498921317

    Overview

    Finance - Investment / OthersNSE / BSE

    Tata Capital Limited (TCL) was incorporated as Primal Investments & Finance Limited' as a Public limited company, on March 8, 1991, with the Additional Registrar of Companies, Mumbai and commenced its operations pursuant to a Certificate for Commencement of Business dated April 1, 1991. Subsequently, the name of the Company was changed to Tata Capital Limited' dated May 8, 2007 vide fresh certificate obtained from the Registrar of Companies, Mumbai. Tata Capital Limited is a subsidiary of Tata Sons Private Limited. Since the commencement of its lending operations in September, 2007. Company has served 8+ million customers and is categorized as an Upper Layer NBFC by RBI. Through comprehensive suite of 25+ lending products, Tata Capital serve a diverse customer base comprising salaried and self-employed individuals, entrepreneurs, small businesses, small and medium enterprises and corporates. Additionally, it distribute third-party products viz. insurance and credit cards, offer wealth management, and act as sponsor and investment manager to PE funds. Through Tata Capital, Tata Group has made the entry into financial services. The Company was set up to cater the investment or financial needs of the retail and institutional customers. TCL is an engaged in two businesses, namely Fund based and Fee based activity and currently works an extensive distribution network of 1,477 branches. The Company entered into the retail asset financing business in a phased manner with an initial focus on auto and personal loans. On September 1, 2007, Company started infrastructure financing business by acquiring the construction equipment (CEQ) financing business from Tata Motors Limited and Tata Motors Finance Limited. Later, in December 2007, it commenced auto finance business. In February 2008, it launched personal loan business. In June 2008, the Company acquired 4,02,56,111 equity shares representing 24% stake in Tata Autocomp Systems Limited (TACO). Company launched private equity business in 2009. The Company incorporated the erstwhile wholly owned subsidiary, TCFSL, to house the NBFC business in 2010. The Company has launched the IPO by issuing 475,824,280 equity shares having the face value of Rs 10 each, by raising funds of Rs 15,511 crores, consisting a fresh issue of 210,000,000 equity shares aggregating to Rs 6846 Cr and the offer for sale of 265,824,280 equity shares aggregating to Rs 8,665 Cr in October, 2025. During the year 2025-26, Tata Motors Finance Limited (TMFL), subsidiary of TMF Holdings Limited has merged with the Company effective from May 8, 2025 through the Scheme of Arrangement. The Board of Directors of the Company at its meeting held on July 13, 2026, approved the proposed acquisition of Yogakshemam Loans Limited, the Reserve Bank of India (RBI) registered non-banking financial company primarily focused on gold loans.

    Fundamentals

    Financial strength and ownership structure

    Valuation & Ratios

    Market Capitalisation

    ₹1,29,659.52

    Price to Book (PB)

    2.88

    Price to Earnings (PE)

    26.58

    Return on Equity (ROE)

    12.40%

    Earnings Per Share (EPS)

    11.60

    Dividend Yield

    0.19%

    Financial Performance

    4997.77
    5372.06
    7184.78
    7103.61
    7478.10
    7664.81
    7737.18
    7976.24
    8160.10
    8821.93
    Mar
    '24
    Jun
    '24
    Sep
    '24
    Dec
    '24
    Mar
    '25
    Jun
    '25
    Sep
    '25
    Dec
    '25
    Mar
    '26
    Jun
    '26

    Shareholding Pattern

    85.41%
    85.41%
    85.41%
    85.41%
    Oct
    '25
    Dec
    '25
    Mar
    '26
    Jun
    '26

    Technicals

    Price-based indicators and levels

    Indicators

    IndicatorValueSignal
    Relative Strength Index (RSI)+59.56Neutral
    MACD+3.24Bullish

    Support and Resistance Levels

    R3382.90
    R2377.85
    R1374.85
    S1366.80
    S2361.75
    S3358.75

    Moving Averages

    PeriodSMAEMA
    20D Moving Average367.36367.58
    50D Moving Average361.42359.60
    200D Moving Average338.20340.63

    News

    Tata Capital gains after Q1 PAT climbs 56% YoY; AUM rises 22% YoY.

    29 Jul 2026

    Tata Capital added 2.83% to Rs 365 after the company reported a 56.32% jump in consolidated net profit to Rs 1,547.38 crore in Q1 FY27, compared with Rs 989.89 crore in Q1 FY26, driven by growth in lending and net interest income.

    Total revenue from operations rose 15.1% YoY to Rs 8,821.93 crore during the quarter. Profit before tax (PBT) increased 56.21% YoY to Rs 2,159.12 crore in Q1 FY27. Assets under management (AUM) grew 22% to Rs 2,90,502 crore as of 30 June 2026, compared with Rs 2,37,508 crore a year earlier. Excluding the motor finance business, AUM registered a stronger growth of 28% YoY. The company continued to maintain a diversified lending portfolio, with the retail and SME segments accounting for 85.4% of net AUM. Unsecured retail loans constituted 10.3% of net AUM, while disbursements continued to witness healthy momentum during the quarter. Net interest income (NII) rose 25% YoY to Rs 3,571 crore in Q1 FY27. The gross loan book expanded 23% YoY to Rs 2,86,381 crore, reflecting sustained credit demand across key business segments. The NBFC's capital risk adequacy ratio stood at 18.5% as of June 30, 2026, comfortably above the regulatory minimum requirement of 15%. Rajiv Sabharwal, managing director & CEO, Tata Capital said: 'We commenced FY27 on a strong note, with healthy business momentum across our core franchises. Excluding Motor Finance, AUM grew 28% year on year to Rs 2,66,057 crore. Including Motor Finance, we achieved AUM growth of 22% year-on-year and PAT growth of 56% to Rs 1,547 crore. Asset quality trends continue to remain encouraging, underpinned by prudent underwriting and healthy collection efficiencies. Our entry into the gold loan business marks an important step in further diversifying Tata Capital's retail lending portfolio. This business complements our existing product suite and offers significant long-term growth potential, supported by increasing customer preference for high-frequency, secured credit. Going forward, we aim to combine Yogloans' proven expertise with Tata Capital's trusted brand, financial strength, technology and risk management capabilities, to scale the business further. The macroeconomic environment remains favourable, with supportive liquidity conditions and resilient domestic demand providing a strong foundation for economic growth. While external uncertainties persist, the strength of India's fundamentals and the continued momentum in credit demand give us confidence in our ability to grow in a prudent manner.' Tata Capital (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance (TCHFL). TCL offers a comprehensive suite of over 25 lending products, catering to a diverse customer base. In addition to its lending offerings, TCL also distributes third-party products such as insurance and credit cards, provides wealth management services, and acts as a sponsor and investment manager to private equity funds. Powered by Capital Market - Live News

    Tata Capital Q1 PAT climbs 56% YoY to Rs 1,547 cr; AUM rises 22%

    28 Jul 2026

    Tata Capital reported a 56.32% jump in consolidated net profit to Rs 1,547.38 crore for the quarter ended 30 June 2026 (Q1 FY27), compared with Rs 989.89 crore in Q1 FY26, driven by growth in lending and net interest income.

    Total revenue from operations rose 15.1% YoY to Rs 8,821.93 crore during the quarter. Profit before tax (PBT) increased 56.21% YoY to Rs 2,159.12 crore in Q1 FY27. Assets under management (AUM) grew 22% to Rs 2,90,502 crore as of 30 June 2026, compared with Rs 2,37,508 crore a year earlier. Excluding the motor finance business, AUM registered a stronger growth of 28% YoY. The company continued to maintain a diversified lending portfolio, with the retail and SME segments accounting for 85.4% of net AUM. Unsecured retail loans constituted 10.3% of net AUM, while disbursements continued to witness healthy momentum during the quarter. Net interest income (NII) rose 25% YoY to Rs 3,571 crore in Q1 FY27. The gross loan book expanded 23% YoY to Rs 2,86,381 crore, reflecting sustained credit demand across key business segments. The NBFC's capital risk adequacy ratio stood at 18.5% as of June 30, 2026, comfortably above the regulatory minimum requirement of 15%. Rajiv Sabharwal, managing director & CEO, Tata Capital said: 'We commenced FY27 on a strong note, with healthy business momentum across our core franchises. Excluding Motor Finance, AUM grew 28% year on year to Rs 2,66,057 crore. Including Motor Finance, we achieved AUM growth of 22% year-on-year and PAT growth of 56% to Rs 1,547 crore. Asset quality trends continue to remain encouraging, underpinned by prudent underwriting and healthy collection efficiencies. Our entry into the gold loan business marks an important step in further diversifying Tata Capital's retail lending portfolio. This business complements our existing product suite and offers significant long-term growth potential, supported by increasing customer preference for high-frequency, secured credit. Going forward, we aim to combine Yogloans' proven expertise with Tata Capital's trusted brand, financial strength, technology and risk management capabilities, to scale the business further. The macroeconomic environment remains favourable, with supportive liquidity conditions and resilient domestic demand providing a strong foundation for economic growth. While external uncertainties persist, the strength of India's fundamentals and the continued momentum in credit demand give us confidence in our ability to grow in a prudent manner.' Tata Capital (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance (TCHFL). TCL offers a comprehensive suite of over 25 lending products, catering to a diverse customer base. In addition to its lending offerings, TCL also distributes third-party products such as insurance and credit cards, provides wealth management services, and acts as a sponsor and investment manager to private equity funds. The counter advanced 1.21% to settle at Rs 354.95 on the BSE. Powered by Capital Market - Live News

    Tata Capital board approves proposa to raise Rs 36,000 crore via debt route

    17 Jun 2026

    Tata Capital said that its board of directors has approved a proposal to raise up to Rs 36,000 crore through the issuance of non-convertible debentures (NCDs) on a private placement basis, subject to shareholder approval.

    The issuance may be undertaken in one or more tranches through one or more categories of instruments, including secured or unsecured NCDs, subordinated debt, perpetual debt instruments, market-linked debentures and green bonds. The terms of issuance, including tenor, coupon, security structure and other transaction-specific details, will be determined at the time of individual issuances through the relevant offer documents and information memoranda. Tata Capital (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance (TCHFL). TCL offers a comprehensive suite of over 25 lending products, catering to a diverse customer base. In addition to its lending offerings, TCL also distributes third-party products such as insurance and credit cards, provides wealth management services, and acts as a sponsor and investment manager to private equity funds. The company has reported 42.8% rise in consolidated net profit to Rs 1,502 crore on an 8.7% increase in total income to Rs 8,163.29 crore in Q4 FY26 as compared with Q4 FY25. The scrip rose 0.22% to currently trade at Rs 340.25 on the BSE. Powered by Capital Market - Live News

    Tata Capital appoints Kamal Bhatia as CRO

    10 Jun 2026

    Tata Capital announced that its board has approved the appointment of Kamal Bhatia as the chief risk Offcier (CRO) for a period of 2 years with effect from July 1, 2026.

    Consequently, Nitin Dharma will cease to hold the position of CRO with effect from the close of business hours on June 30, 2026. Dharma will continue in employment with the company until September 7, 2026, to facilitate an orderly transition of responsibilities. Kamal Bhatia is a qualified Chartered Accountant and holds a Bachelor's degree in Accounting and Taxation. He is a Credit And Risk Management executive with over 24 years of experience in Banking and NBFC sectors across commercial, corporate and structured credit businesses including infrastructure financing, working capital, supply chain finance, leasing and mid-market credit portfolios. Bhatia currently serves as senior vice president ' chief credit officer, SME Finance at the company overseeing policy frameworks, approval governance, concentration monitoring and risk appetite implementation across SME, supply chain finance, leasing, infrastructure, and digital credit businesses. Prior to Tata Capital, he has worked with ICICI Bank and Magma Leasing. Tata Capital (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance (TCHFL). TCL offers a comprehensive suite of over 25 lending products, catering to a diverse customer base. In addition to its lending offerings, TCL also distributes third-party products such as insurance and credit cards, provides wealth management services, and acts as a sponsor and investment manager to private equity funds. The company has reported 42.8% rise in consolidated net profit to Rs 1,502 crore on an 8.7% increase in total income to Rs 8,163.29 crore in Q4 FY26 as compared with Q4 FY25. The counter shed 0.76% to Rs 320 on the BSE. Powered by Capital Market - Live News

    Tata Capital posts PAT of Rs 1,502 crore in Q4

    24 Apr 2026

    Tata Capital has reported 42.8% rise in consolidated net profit to Rs 1,502 crore on an 8.7% increase in total income to Rs 8,163.29 crore in Q4 FY26 as compared with Q4 FY25.

    Operating expense for the period under review was Rs 5,460.01 crore, up 4.8% YoY. Pre-provisioning operating profit improved by 17.6% to Rs 2,703.28 crore in Q4 FY26 from Rs 2,298.78 crore in Q4 FY25. Provisions & write offs fell by 29.1% YoY to Rs 582.23 crore in Q4 FY26. Profit before tax in Q4 FY26 stood at Rs 1,978.48 crore, up by 44.6% from Rs 1,368.50 crore in Q4 FY25. Tata Capital (TCL) is the flagship financial services company of the Tata Group and a subsidiary of Tata Sons. TCL conducts its lending business together with its material subsidiary Tata Capital Housing Finance (TCHFL). TCL offers a comprehensive suite of over 25 lending products, catering to a diverse customer base. In addition to its lending offerings, TCL also distributes third-party products such as insurance and credit cards, provides wealth management services, and acts as a sponsor and investment manager to private equity funds. The scrip fell 1.25% to currently trade at Rs 336.15 on the BSE.

    Insider Activity

    Tata Motors Passenger Vehicles Limited Formerly Tata Motors LimitedPromoter Group
    Disposed
    4326651
    Shares Worth
    ₹0
    Reported On22 Dec 2025
    ModeScheme of Amalgamation/Merger/Demerger/Arrangement