Tata Capital IPO Dates Revealed, 5 Risks Involved – Know before Investing

Summary

Tata Group of Companies is all set to launch its financial services subsidiary company called “Tata Capital Ltd”. Tata Capital IPO dates revealed – At “6th Oct 2025” Tata Capital IPO opens for Subscription with issuing size of ₹15,512 Cr, and the price range set by the company in between ₹310 to ₹326. Read full article to know more about the topic Tata Capital IPO & that 5 risks Involved in this.

Before discussing about the topic Tata Capital IPO dates revealed & the 5 risks involved in it, let’s know more about the company —

About Company

TCL (Tata Capital Limited) was incorporated in 1st Oct 1996 and is a systematically important non deposit accepting NBFC registered with the RBI. The Company is a subsidiary of Tata Sons Pvt. Ltd. which holds the majority stake of the company. Over the years, company has strengthened and widened its reach in the financial services sector, catering to retail, corporate and institutional clients. Some of the key areas are —

• Commercial Finance : Company offers term loans, working capital, equipment finance, lease rental discounting and more similar services.
• Loans for Cobsumers : Company offers home loans, personal loans, business loans, educational loans, loans for property & many more.
• Investment Handling Services : Company offers portfolio management services, mutual fund investments, bonds etc.
• Credit Cards : Issuing Credit Cards under the brand name Tata which offers reward programs too.

Tata Capital has a strong network of subsidiaries like Tata Securities Limited, Tata Capital Ltd. (Singapore) and Tata Capital Advisors Ltd. among others. These subsidiaries of Tata Capital handle fund management, proprietary investments and distribution of financial products. Through this structure, the company provides a wide range of financial solutions.

Tata Capital IPO : GMP, Key Dates, Issue Size & Price Range

Tata Capital Ltd will come up with an IPO for subscription which opens from 6th Oct 2025 and remains till 8th Oct 2025. Now the IPO is showing at the GMP (Grey Market Premium) of 5% before it’s going live for public subscription. After subscription, the company will out the allotment status on 9th Oct 2025 at Link InTime & will list for trade on both the exchanges – NSE (National Stock Exchange) & BSE (Bombay Stock Exchange) at Monday 13th Oct 2025.

The Company Tata Capital Ltd IPO raises the total issue size of ₹15,512 Cr whereas, the fresh issue size of ₹6846 Cr with the face value of ₹10 per equity shares. The IPO’s issue type is a book built offer which is a method of pricing a securities issue such as an IPO, where the final price is determined by investors demand. The company and its underwriters establish a price range first and then invite investors to bid on the IPO instead of setting a fix price in advance.

Also, the Price Range set by the company for all the bidders in between ₹310 to ₹326. Between this price range, investors can set any price & start bidding once the IPO will live which is from 6th Oct 2025.

So, Here’s all the information about Tata Capital IPO dates revealed, GMP & other key details.

Financial Highlights of the Company

Financial Information (in Crores)

Know Before Investing

Risks :

1. The Company depends on name Tata brand. So, If any negative impact on the Tata brand or termination of this arrangement could affect its business very badly.
2. Credit Risk – As a lending focused NBFC, the company faces risks to borrower, restructing, or fraud, which can definitely impact its profitability.
3. Rising NPAs – Non Performing Assets increased from 1.5% to 1.9% in one year, signaling potential asset quality concerns.
4. Falling PProvision Coverage – Coverage dropped from 77% to 58.5% indicating reduced buffer against potential loan defaults.
5. Legal Contingencies – Pending legal cases worth ₹13,200 Cr create potential liability coverage.

Here’s that 5 Risks Involved in Tata Capital Ltd which is India’s 3rd largest diversified nbfc.

Strength :

1. Backed by the 150+ year old Tata legacy, the company benefits from strong brand equity, capital support, group synergies.
2. Large NBFC – Tata Capital Ltd is the India’s 3rd largest diversified NBFC with gross loans of ₹2,334 billion as of june 30 2025 & has shown rapid growth while maintaining strong asset quality.
3. Strong Growth Trajectory – Last year the revenue stood at ₹28,370 Cr, a massive 55% jump year on year, profit was also up around 10% and stood at ₹3,600 Cr.
4. Strong housing finance subsidiary – Tata Capital housing finance ltd is among the largest housing finance companies in India, with the highest return on equity in FY25 as compaerd to peers.
5. AAA Credit Rating – Highest Credit quality rating from major agencies.

Here’s some advantages, which Investors still like it about Tata Capital Ltd.

Final Verdict : Should you Apply or Skip?

✅ Consider this IPO :

1. If you are a long-term investor (3~5 Years)
2. If you trust the Tata brand and legacy
3. If you believe in India’s NBFC growth story
4. If you can tolerate moderate risk

❌ Skip this IPO :

1. If rising NPAs concern you
2. If valuation premium seems excessive
3. If llegal contingencies make you nervous
4. If you prefer low risk alternatives

Also Read : 5 Best Stock Market Books PDF Free for Beginners & Investors

Disclaimer : This Content is for educational purpose only.