Tata Capital IPO worth ₹15,511.87 Cr, will open for subscription from 6 Oct to 8 Oct 2025. Tata Capital IPO allotment is expected on 9 Oct, and shares are likely to be listed on BSE & NSE on 13 Oct. Price band for the IPO is set between ₹310 – ₹326 per share, and Tata Capital IPO GMP today stands at 2.15%.
Tata Capital IPO GMP Live Rates Day by Day
Tata Capital GMP today (5th Oct 2025) stands at 2.15%. GMP values change daily, and we’ll keep you updated with the latest figures.
Remember, Grey Market Premium (GMP) is an unofficial price at which an IPO trades before listing, offering an early hint of its performance. A positive GMP indicates potential gains, while a negative GMP signals a discount. However, since GMP is highly volatile, investors should not rely on it alone and must consider other factors before investing in Tata Capital IPO.
GMP figures are for news purposes only. We neither trade nor recommend trading in the grey market.
| GMP Date | IPO Price | GMP | Estimated Listing Price | Estimated Profit |
|---|---|---|---|---|
| 05-10-2025 | ₹ 326 | ₹ 7 | ₹333 (2.15%) | ₹ 322 |
| 04-10-2025 | ₹ 326 | ₹ 9 | ₹335 (2.76%) | ₹ 414 |
| 03-10-2025 | ₹ 326 | ₹ 13 | ₹339 (3.99%) | ₹ 598 |
| 02-10-2025 | ₹ 326 | ₹ 20 | ₹346 (6.13%) | ₹ 920 |
| 01-10-2025 | ₹ 326 | ₹ 22 | ₹348 (6.75%) | ₹ 1,012 |
Tata Capital IPO Details
- Tata Capital’s IPO is worth ₹15,511.87 Cr, which is a combination of fresh issue of 21 Cr shares aggregating to ₹6,846.00 Cr and OFS of 26.58 Cr shares aggregating to ₹8,665.87 Cr.
- Tata Capital’s IPO will open for subscription on 6 Oct 2025 and close on 8 Oct 2025. Tata Capital’s IPO allotment is likely to take place on 9 Oct 2025 and the shares are expected to be listed on BSE and NSE on 13 Oct 2025.
- Tata Capital’s promoters currently hold 95.6% of the company but after the IPO, promoters' holdings will come down to 85.5%
- The company will use ₹6,846 crore (100%) to strengthen its Tier-I capital base for future needs, including onward lending.
- MUFG Intime India Pvt.Ltd will be the registrar for Tata Capital's IPO.
Tata Capital IPO Dates
Here are some important dates for Tata Capital IPO.
| IPO Open Date | 06-Oct-25 |
| IPO Close Date | 08-Oct-25 |
| IPO Allotment Date | 09-Oct-25 |
| Initiation of Refunds | 10-Oct-25 |
| Demat Credits | 10-Oct-25 |
| Listing Date | 13-Oct-25 |
| Listing on | BSE, NSE |
Tata Capital IPO Reservation
For Tata Capital IPO, 35% has been reserved for retail investors.
| Investor Category | Shares Offered |
|---|---|
| QIB Investors | 50% |
| Retail Investors | 35% |
| NII (HNI) Investors | 15% |
Tata Capital IPO Lot Size
Retail investors can apply for a minimum of 1 lot, which includes 46 shares costing ₹14,996. Maximum investment allowed for retail investors is 13 lots, which totals 598 shares and costs ₹1,94,948.
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 46 | ₹ 14,996 |
| Retail (Max) | 13 | 598 | ₹ 1,94,948 |
| S-HNI (Min) | 14 | 644 | ₹ 2,09,944 |
| S-HNI (Max) | 66 | 3,036 | ₹ 9,89,736 |
| B-HNI (Min) | 67 | 3,082 | ₹ 10,04,732 |
About Tata Capital IPO
Tata Capital Limited (TCL), founded in 2007, is a financial services company and a subsidiary of Tata Sons. It operates as a non-banking financial company (NBFC) and serves as the financial arm of Tata Group.
The company provides a wide range of financial solutions to retail, corporate, and institutional clients, including consumer loans like personal, home, auto, and education loans, as well as loans against property. It also offers commercial finance options such as term loans, working capital, and equipment financing, along with wealth management, investment banking, private equity, and cleantech financing for renewable energy and sustainability projects.
Beyond lending, Tata Capital also operates in areas like wealth management, insurance and credit card distribution, and private equity investments. Its subsidiaries further strengthen its offerings. Tata Capital Housing Finance focuses on home loans, affordable housing, and property financing, while Tata Securities engages in stock market activities on BSE, derivatives trading, and depository services with CDSL and NSDL.
Through its comprehensive products, services, and subsidiaries, Tata Capital addresses diverse financial needs and continues to serve both individual and institutional clients across India.
Tata Capital IPO Financial Performance
Tata Capital reported a PAT of ₹25.64 Cr on 31 March 2025 and in FY24 reported ₹24.73 Cr. Over the past 3 years, the company has reported growing PAT. All financial details are provided in the table below.
| Period Ended | 31 Mar 2025 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|
| Assets (₹Cr) | 2,48,465.01 | 1,76,693.98 | 1,35,626.10 |
| Total income (₹Cr) | 28,369.87 | 18,198.38 | 13,637.49 |
| PAT (₹Cr) | 3,655.02 | 3,326.96 | 2,945.77 |
| EBITDA (₹Cr) | 20,338.22 | 14,247.76 | 10,763.22 |
| Net Worth | 32,587.82 | 23,540.19 | 17,959.06 |
| Reserves and Surplus | 24,299.36 | 18,121.83 | 11,899.32 |
| Total Borrowing (₹Cr) | 2,08,414.93 | 1,48,185.29 | 1,13,335.91 |
| ROE (%) | 12.6 | 15.5 | 20.6 |
Tata Capital IPO Peer Comparison from RHP
Tata Capital IPO has low EPS compared to its peers. Higher EPS is always considered better. Below is a quick comparison of Tata Capital vs Bajaj Finance
The table below shows peer comparison from RHP data.
| Company | EPS Diluted (₹) | P/E (x) |
|---|---|---|
| Tata Capital | 9.3 | 37.78 |
| Bajaj Finance | 26.82 | 37.8 |
| Shriram Finance | 50.75 | 12.1 |
| Cholamandalam Investment and Finance | 50.6 | 31.5 |
| L&t Finance | 10.57 | 23.1 |
| Sundaram Finance | 170.53 | 26.9 |
| HDB Financial Services | 27.3 | 28.1 |
Tata Capital IPO Strengths and Weaknesses
Knowing about the strengths and weaknesses of Tata Capital IPO helps you make an informed decision.
- Tata Capital is the main financial services arm of the Tata Group, backed by 150+ years of strong brand trust.
- It is India’s third-largest diversified NBFC, offering 25+ lending products across retail, SME, and corporate customers.
- Wide presence with branches across India, strong partnerships, and 97%+ digital customer onboarding.
- High borrowings of over ₹2 trillion; any default on financing rules could affect business.
- Strong dependence on Tata brand under a license; negative publicity may harm operations.
- Faces tough competition in India’s lending market, which may reduce margins and growth.
Tata Capital IPO GMP FAQs
What is Tata Capital IPO GMP Today?
Tata Capital IPO GMP today is Rs 7.
What are Tata Capital IPO Expected Returns?
Tata Capital IPO Expected Returns are 2.15%, as of 5th Oct, this may change in the coming days.
When will Tata Capital IPO open and close?
Tata Capital’s IPO will open for subscription on 6 Oct 2025 and close on 8 Oct 2025.
What is the lot size for Tata Capital IPO?
Retail Investors can bid for a minimum of 1 lot, which includes 46 shares. And one lot will cost you around ₹14,996.
What is the share allotment date for Tata Capital IPO?
The allotment of shares is expected to be completed by 9 Oct 2025.
Who is the registrar of Tata Capital IPO?
MUFG Intime India Pvt.Ltd is the registrar for Tata Capital’s IPO.
Is Tata Capital IPO good to buy?
Tata Capital IPO may attract investors with its growing financials and healthy ROE over the past 3 years.
Happy investing and thank you for reading!
Disclaimer:
This website content is only for educational purposes, not investment advice. Before making any investment, it’s important to do your own research and be fully informed. Investing in the stock market includes risks, and you should carefully read the Risk Disclosure documents before proceeding. Please remember that past performance doesn’t guarantee future results, and due to market fluctuations, your investment goals may not always be achieved.
