In the ever-evolving financial ecosystem of India, Tata Capital Limited has emerged as one of the most sought-after investment opportunities in the unlisted share market. With a legacy backed by the venerable Tata Group, Tata Capital stands tall in the non-banking financial company (NBFC) sector. As it prepares for a potential IPO in the near future, investor interest in its unlisted shares is skyrocketing. This article delves into Tata Capital’s business model, growth potential, products and services, existing investors, investment rationale, IPO expectations, and how you can participate in this opportunity.
Company Overview: Tata Capital Limited
Established in 2007, Tata Capital Limited is a subsidiary of Tata Sons, the holding company of the Tata Group. The company was founded with the vision of becoming a trusted financial partner for both individuals and institutions. Over the years, Tata Capital has positioned itself as one of India’s leading diversified NBFCs, offering a wide range of financial services.
Headquarters: Mumbai, Maharashtra, India
Parent Company: Tata Sons Pvt Ltd
Incorporation Year: 2007
CEO & Managing Director: Rajiv Sabharwal
As of May 15, 2025, Tata Capital’s unlisted share prices vary based on the quantity purchased. Here’s a detailed breakdown:
| Quantity (Shares) | Price per Share (₹) | Total Investment (₹) |
|---|---|---|
| 50 | 925 | 46,250 |
| 100 | 920 | 92,000 |
| 200 | 915 | 1,83,000 |
| 300 | 910 | 2,73,000 |
| 400 | 905 | 3,62,000 |
| 500 | 902 | 4,51,000 |
| 1,000 | 900 | 9,00,000 |
Note: These prices are indicative and subject to change based on market demand and supply dynamics. It’s advisable to consult with authorized intermediaries or platforms specializing in unlisted shares for the most current pricing.
Business Segments and Offerings
Tata Capital caters to a broad range of financial needs through its various subsidiaries and business verticals. Its major product and service offerings include:
1. Retail Loans
- Personal Loans
- Home Loans
- Vehicle Loans
- Consumer Durable Loans
- Education Loans
2. Corporate and Commercial Finance
- Term Loans
- Working Capital Loans
- Structured Products
- Equipment Financing
- Leasing Solutions
3. Wealth Management and Investment Services
- Mutual Fund Distribution
- Portfolio Management Services
- Insurance Solutions
- Fixed Income Products
4. Infrastructure Finance
- Financing for Roads, Power, Renewable Energy
- Urban Infrastructure Development
5. SME Finance
- Business Loans
- Machinery Loans
- Loan Against Property
Subsidiaries and Brands
Tata Capital functions through multiple subsidiaries:
- Tata Capital Financial Services Limited (TCFSL)
- Tata Securities Limited
- Tata Capital Housing Finance Limited (TCHFL)
- Tata Capital Markets Limited
Each of these subsidiaries contributes to a well-integrated business ecosystem offering seamless financial solutions.
Existing Shareholders and Investors
Tata Capital is wholly owned by Tata Sons, and hence, enjoys strong promoter backing. Tata Sons’ credibility in the market adds a significant layer of trust and reliability, making Tata Capital an attractive proposition for potential investors.
As it remains a privately held entity, institutional investors haven’t entered yet, making it a fertile ground for early movers looking for value.
Financial Performance & Valuation
Tata Capital has shown a consistent upward trajectory in terms of revenue and profitability.
- Revenue FY2023-24: ₹14,000+ Crores
- Net Profit FY2023-24: ₹2,000+ Crores
- Assets Under Management (AUM): ₹1,50,000+ Crores
With a robust financial backbone, Tata Capital has maintained a healthy balance sheet, reduced non-performing assets (NPAs), and strengthened its provisioning norms. The valuation in the unlisted market as of May 2025 hovers around ₹1,050 per share, and is expected to appreciate further leading up to the IPO.
Upcoming IPO: What to Expect
Tata Sons is considering a public listing of Tata Capital in the coming fiscal year, expected around late 2025 to early 2026. The IPO will not only unlock value for existing shareholders but also provide an opportunity for the public to participate in the company’s success.
Expected IPO Timeline: Q4 FY2025-26
Expected Valuation: ₹1.5 to ₹2 lakh crore
Lead Managers (Tentative): Kotak Mahindra Capital, ICICI Securities, Axis Capital
The IPO is expected to be one of the most talked-about public offerings in India due to Tata Capital’s scale and lineage.
Why Invest in Tata Capital Unlisted Shares?
1. Strong Parentage
Being a part of the Tata Group provides unmatched brand trust, access to capital, and governance standards.
2. Market Leader in NBFC Sector
With diversified operations and a large customer base, Tata Capital is a leader in the NBFC segment.
3. Consistent Financial Performance
Its consistent profit margins, expanding AUM, and robust asset quality set it apart.
4. IPO Upside Potential
Pre-IPO investments can lead to significant capital gains post-listing.
5. Diversified Revenue Streams
Revenue diversification across retail, SME, infrastructure, and investment advisory ensures lower risk.
6. Regulatory Compliance
Tata Capital is known for its compliance with RBI norms and strong internal governance practices.
Risks Involved
While Tata Capital presents an attractive investment case, it’s crucial to be aware of potential risks:
- Regulatory changes in NBFC norms
- Rising interest rate environment
- Competition from fintech and traditional banks
- Economic slowdowns affecting loan recoveries
Required Documents (Individuals):
- CML copy (mask phone & email for privacy)
- Aadhaar Card copy
- PAN Card copy
- Bank Passbook/Cancelled Cheque
- Nominee Aadhaar Card copy
🚀 How to Proceed:
- Download CML from your broker’s platform
- Email documents to: ceo.startuplanes@gmail.com
📞 Contact:
Dr. Shishir Gupta
Founder & CEO, StartupLanes & ZingVest
WhatsApp: +91-9311114301
Invest in NSDL today for a secure financial future! 🌟
How to Buy Tata Capital Unlisted Shares?
You can purchase Tata Capital unlisted shares through trusted intermediaries like StartupLanes. Here’s how:
Step 1: Contact Dr. Shishir Gupta via WhatsApp or email.
Step 2: Submit the required documents.
Step 3: Verify the share price and payment instructions.
Step 4: Make the payment through NEFT/RTGS.
Step 5: Receive shares in your NSDL demat account.
Taxation of Unlisted Shares
- Short-term Capital Gains (<24 months): Taxed as per applicable slab
- Long-term Capital Gains (>24 months): Taxed at 20% with indexation
FAQs
Q1. Can I sell the unlisted shares anytime?
Yes, but liquidity is lower than listed shares. You can sell through private transactions or intermediaries.
Q2. How safe is investing in Tata Capital?
It is relatively safer due to the Tata brand, strong financials, and upcoming IPO, but all investments carry risks.
Q3. What is the minimum investment amount?
This varies by intermediary, but typically starts from ₹50,000.
Q4. Will I get bonus or dividends in unlisted shares?
Yes, shareholders are eligible for corporate actions just like listed shares.
Conclusion
Tata Capital Limited’s unlisted shares represent an exceptional opportunity for early investors looking to capitalize on one of India’s most trusted NBFCs. With an IPO on the horizon, strong financials, and Tata’s legacy, it is poised for long-term growth. While the investment carries its share of risks, the potential upside makes it an attractive proposition for informed investors.
If you’re ready to diversify your portfolio and invest in a future blue-chip stock, this is the time to act.
Disclaimer: Investment in the unlisted shares carries market risks, please consult your SEBI Registered financial advisor before investing. The above post is only for the information purpose.