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Tata Capital IPO 2025: Check subscription dates, price band, lot size, valuation, financial performance, risks, GMP, and whether to invest. Biggest NBFC IPO of the year

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Tata Capital IPO, Tata Capital IPO 2025, Tata Capital IPO subscription, Tata Capital IPO allotment, Tata Capital IPO GMP

1. Introduction – Tata Capital IPO 2025

Tata Capital Ltd ipo, the financial services arm of the Tata Group, is all set to launch its Initial Public Offering (IPO) from 6th October 2025. This is one of the largest IPOs in India in 2025 and the biggest by a non-banking financial company (NBFC). The IPO has created strong buzz among retail and institutional investors because of Tata Capital’s diversified portfolio, strong brand reputation, and consistent financial performance.

2. IPO Key Details

FeatureDetails
IPO Opening Date6th October 2025
IPO Closing Date8th October 2025
Price Band₹310 – ₹326 per share
Lot Size46 shares
Minimum Investment₹14,260
Allotment Date9th October 2025
Refunds Initiated10th October 2025
Listing Date13th October 2025

IPO Size & Structure:

  • Fresh Issue: ₹6,846 crore (for company growth and operations)
  • Offer for Sale (OFS): ₹8,665 crore (existing shareholders selling stake)
  • Total Issue Size: ₹15,511 crore
  • Company Valuation: ₹1.32 – ₹1.38 lakh crore
Lesson 3: Types of Financial Markets Explained with Real-Life Examples (Stock Market Course)

3. About Tata Capital Ltd.

Tata Capital was founded in 2007 and operates as a diversified financial services company under the Tata Group umbrella.

Business Segments:

  1. Retail Lending: Personal loans, consumer finance, and wealth management.
  2. SME Lending: Financing small and medium enterprises across India.
  3. Corporate Lending: Loans to large corporates and infrastructure projects.
  4. Wealth Advisory Services: Investment advisory, insurance solutions, and portfolio management.

Assets Under Management (AUM): ₹2.33 lakh crore (FY25)

Tata Capital has consistently grown revenue and profits, showing strong CAGR in the last 2 years. The company’s net interest margin (NIM) is 5.2% and return on equity (ROE) is 12.6%, slightly below the industry average but steady.

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4. Financial Highlights

ParameterFY25
Revenue₹28,300 crore
Net Profit₹3,655 crore
Asset Quality (Gross Stage 3 Loans)1.5% – 2%
Unsecured Loans20% of loan book
Pending Legal Cases283 cases, contingent liability ₹765 crore

Analysis:

  • Strong revenue growth and steady profits make the IPO attractive.
  • Low gross NPA levels compared to the industry indicate good asset quality.
  • High proportion of unsecured loans and pending legal cases may pose risks.

5. Investor Sentiment & GMP (Grey Market Premium)

  • GMP Trend: Tata Capital IPO GMP Mixed – shows cautious optimism among retail investors.
  • Brokerage Outlook: Some are bullish due to the strong Tata brand; others advise caution.

Investors should watch GMP trends closely to gauge initial listing gains.

6. Tata Capital Subscription – Should You Subscribe?

Pros:

  • Trusted brand name under Tata Group
  • Diversified portfolio across retail, SME, and corporate segments
  • Consistent financial growth

Cons:

  • Lower NIM and ROE than top NBFC peers
  • High exposure to unsecured loans
  • Pending legal disputes and contingent liabilities

Verdict:
Long-term investors seeking exposure to a diversified NBFC with strong brand may consider subscribing. Short-term investors should be cautious of GMP volatility.

7. How to Apply

  1. Apply through your banking portal or brokerage platform.
  2. Choose lot size according to your budget.
  3. Submit Application Supported by Blocked Amount (ASBA) for safe investment.
  4. Keep track of allotment and listing updates.

8. Conclusion

Tata Capital Ltd.’s IPO is one of the largest NBFC IPOs in India. Its strong Tata brand, diversified business segments, and steady growth make it attractive to investors. However, risks include lower-than-industry NIM, unsecured loans, and pending legal cases. Overall, it is a potential long-term investment for retail and institutional investors.

Subscription (Tata Capital Subscription)

Investor06 Oct 202507 Oct 202508 Oct 2025
 Anchor 11
 QIB0.520.86
 Non-Institutional0.280.76
 BNII0.180.61
 SNII0.471.05
EMP1.081.95
Retail0.340.68
Total0.38075

GMP Trend:

DateGMP
06 Oct 2025₹12.5(3.83%)
07 Oct 2025₹6.00(1.84%)
08 Oct 2025₹0.00(0.00%)
The grey market premium (GMP) is the price at which an IPO is traded in an unofficial/unregulated grey market prior to its listing. The GMP reflects how a particular company’s IPO issue might react on the day of listing. A positive GMP premiumsignals that the IPO is likely to be at profit while a negative GMP indicates that the IPO is likely to be at a discount.
It should be noted that IPO GMP is subject to extreme volatility, so an investment decision based solely on Patel Retail IPO GMP will prove risky. Therefore, before to investing, consider all factors and make the right investment decision whether to invest in Patel Retail IPO or not.

How to Check IPO Allotment Status:

MUFG Intime LTD

To check IPO allotment status, follow the steps below:

  1. Click on the below allotment status check button.
  2. Select Company Name.
  3. Enter your PAN Number, Application Number or DP Client ID (Anyone).
  4. Click on Search.
Allotment Status

NSE Website

To check IPO allotment status, follow the steps below:

  1. Click on the below allotment status check button.
  2. Select Company Name.
  3. Enter your PAN Number, Application Number or DP Client ID (Anyone).
  4. Click on Search.
Allotment Status

BSE Webiste

To check IPO allotment status, follow the steps below:

  1. Click on the below allotment status check button.
  2. Select Company Name.
  3. Enter your PAN Number, Application Number or DP Client ID (Anyone).
  4. Click on Search.
Allotment Status
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📌 Stock Market Disclaimer

  • Disclaimer: This post is for informational and educational purposes only and does not constitute financial advice or a recommendation to buy/sell any stock or share. Investing in the stock market involves risk. Past performance is not indicative of future results. Always conduct your own research or consult a licensed financial advisor before making investment decisions.
  • The information provided on this platform is for educational and informational purposes only. It should not be considered as investment advice, stock recommendations, or financial guidance.
  • ⚠️ Stock Market Investments
  • Investing in equities, derivatives, mutual funds, and other financial instruments involves market risks, volatility, and the possibility of capital loss.
  • Past performance of stocks or indices is not indicative of future returns.
  • Always conduct your own research or consult a SEBI-registered financial advisor before making investment decisions.
  • ⚠️ IPO (Initial Public Offerings)
  • IPO details, issue size, subscription data, and allotment status shared here are based on publicly available information from company filings, stock exchanges, and merchant bankers.
  • Investing in IPOs carries risks including listing volatility, business uncertainties, and sector performance dependency.
  • Neither acceptance of applications nor allotment guarantees profits. Investors should evaluate their risk appetite before subscribing.
  • ⚠️ GMP (Grey Market Premium)
  • Grey Market Premium (GMP) is an unofficial and unregulated indicator of expected IPO listing price.
  • GMP data is collected from market observers and informal trading circles; it does not have any legal or SEBI recognition.
  • GMP values are highly speculative and may differ significantly from actual listing prices. Investors should not rely solely on GMP while taking investment decisions.
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