The Tata Capital IPO is one of the most awaited public offerings of 2025, not only because of its massive size but also because it carries the weight of the Tata brand. With the issue size set to be among the largest in India’s history, investors — retail and institutional alike — are keeping a close eye.
Here are the 10 most important things you should know before making your investment decision:
1. IPO Size & Structure
The IPO is valued at ₹15,511 crore, making it the largest ever IPO by a Tata Group company. It includes both a fresh issue of new shares and an Offer for Sale (OFS) by existing shareholders.
2. Price Band & Valuation
The IPO price band is set at ₹310 to ₹326 per share. At the upper end, Tata Capital’s valuation stands at nearly ₹1.38 lakh crore, placing it among the top-ranked NBFCs in India.
3. Important Dates
Opens: October 6, 2025
Closes: October 8, 2025
Allotment Date (Tentative): October 9, 2025
Listing Date: October 13, 2025
4. Lot Size & Minimum Investment
The minimum lot size is 46 shares. At the top price band, the minimum retail investment comes to about ₹14,996.
5. Fresh Issue vs OFS
Fresh issue: ~₹6,846 crore
Offer for Sale (OFS): ~₹8,665 crore
Promoter Tata Sons and investor IFC are offloading part of their stakes through OFS.
6. Use of Proceeds
Funds raised from the fresh issue will be used to augment Tata Capital’s Tier-I capital base, strengthening its ability to lend and expand. OFS proceeds will go to selling shareholders.
7. Business Profile
Tata Capital is a diversified NBFC, offering retail loans, SME finance, vehicle finance, wealth management, and infrastructure funding. As of June 2025, its loan book stood at ₹2.33 lakh crore, covering over 25 different lending products.
8. Strengths
Backing of the Tata brand, ensuring customer trust
Strong credit ratings and cost-efficient access to funding
Diversified loan book reducing concentration risks
Expanding retail lending portfolio
9. Risks to Watch
Intense competition from NBFCs and banks
Sensitivity to interest rate changes
Rising unsecured lending exposure
Large OFS component may reduce fresh investor value
10. Post-Listing Outlook
While the IPO is a landmark for Indian capital markets, listing gains will depend on overall market sentiment, NBFC sector performance, and macroeconomic conditions. The brand’s strength is a big plus, but valuations at the higher end might limit short-term upside.
✨ Final Word
The Tata Capital IPO offers investors an opportunity to participate in one of the country’s fastest-growing financial services companies, backed by the Tata legacy. For long-term investors, the fundamentals look strong, though retail participants should carefully weigh valuation and risk factors before bidding.
📌 Frequently Asked Questions :
1. What is the size of the Tata Capital IPO?
The IPO size is around ₹15,511 crore, making it the largest-ever IPO by a Tata Group company.
2. What is the Tata Capital IPO price band?
The price band is set between ₹310 and ₹326 per share.
3. When will the Tata Capital IPO open and close?
Opens: October 6, 2025
Closes: October 8, 2025
The tentative listing date is October 13, 2025.
4. What is the minimum investment in Tata Capital IPO?
The lot size is 46 shares. At the upper band (₹326), the minimum investment is approximately ₹14,996.
5. Who are the promoters selling in Tata Capital IPO?
Promoter Tata Sons and investor IFC will be selling shares via the Offer for Sale (OFS).
Published on : 3rd October
Published by : SMITA
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