Tata Capital Unlisted Shares
About Tata Capital Unlisted Shares
Tata Capital, a subsidiary of the prestigious Tata Group, stands as a leading player in India’s financial services industry. The company, with its legacy of trust and excellence, offers a wide range of financial products and services catering to both retail and corporate clients. Tata Capital operates with a strong commitment to customer satisfaction, building a comprehensive portfolio that spans across various financial needs, including consumer loans, business loans, home loans, and more. Its innovative approach and strong brand presence have made it a trusted name in the Indian financial landscape.
Tata Capital’s business model revolves around the principles of customer-centricity, innovation, and financial empowerment. The company provides financial solutions not only within India but also has a growing international presence, making it a global player in the financial services space.
2. Business Divisions
Tata Capital’s business divisions encompass a wide array of financial services that cater to diverse customer needs. These divisions include:
- Tata Capital Financial Services Limited: This is the core of Tata Capital’s offerings, providing a range of financial products, including corporate finance, commercial finance, leasing, and rural finance. This division ensures that Tata Capital addresses the needs of both individuals and businesses across various industries.
- Tata Capital Housing Finance Limited: Aimed at helping individuals achieve their homeownership dreams, this division offers home loans, construction finance, and affordable housing solutions. Whether it’s for purchasing a home or building one, Tata Capital Housing Finance ensures that financial solutions are accessible to a wide spectrum of customers.
- Tata Cleantech Capital Limited: This subsidiary focuses on providing financing and advisory services to promote the shift towards renewable and clean energy solutions. Tata Capital’s investments in sustainable energy underscore its commitment to contributing to a greener, more sustainable future.
- Tata Securities Limited: In addition to its lending services, Tata Capital has expanded into investment banking through this subsidiary. Tata Securities provides investment banking services and acts as a distributor of mutual funds and third-party financial products, primarily for institutional clients.
3. Financial Highlights
Here are five key financial highlights of Tata Capital Unlisted Shares:
- Impressive Profit Growth: Tata Capital posted its highest-ever Profit After Tax (PAT) of ₹2,975 Crore in FY23, reflecting a sharp 80% year-on-year (Y-o-Y) growth. This growth was driven by higher net interest income (NII) and increased revenues while keeping operating and credit costs in check.
- Strong Net Interest Margin (NIM): Tata Capital’s NIM reached ₹7,023 Crore in FY23, a 34% increase from the previous year. This increase in NIM showcases the company’s ability to generate higher income from its lending activities, improving its profitability.
- Continued Growth in Loan Book: Tata Capital’s total loan book grew by 28% to ₹1,20,940 Crore as of FY23, indicating robust growth in its lending portfolio. This expansion in the loan book highlights the company’s ability to attract more customers and strengthen its financial position.
- Decreasing Non-Performing Assets (NPA): Tata Capital has successfully reduced its NPA ratio, with Gross NPA standing at 1.71% in FY23, down from 1.9% in FY22. Furthermore, the Net NPA ratio decreased to 0.4%, demonstrating improved asset quality and effective risk management.
- Return on Equity (ROE): Tata Capital’s ROE stood at 17.3% in FY23, up from 15.6% in FY22. This increase reflects the company’s efficient use of shareholders’ equity to generate higher profits, making it a potentially attractive investment.
Pros
- Strong brand reputation under the Tata Group.
- Diverse product portfolio catering to various customer needs.
- Focus on sustainable finance through Tata Cleantech Capital.
Cons
- High valuation with a P/B ratio exceeding 11x.
- High debt-to-equity ratio of 5.68, indicating heavy reliance on borrowings.
- Exposure to real estate and infrastructure sector risks.
Key Details
| Share Name | Particulars |
|---|---|
| Tata Capital Unlisted | ₹980.00 |
| Shares Price | Per Equity Share |
| Lot Size | 50 Shares |
| 52 Week High | ₹1150 |
| 52 Week Low | ₹675 |
| Depository | NSDL & CDSL |
| PAN Number | AADCP9147P |
| ISIN Number | INE976I01016 |
| CIN | U65990MH1991PLC060670 |
| RTA | Integrated Registry Management Services |
| Fundamentals | Value |
|---|---|
| Market Cap (in ₹ Cr.) | 3,62,899.33 |
| P/E Ratio | 105.15 |
| P/B Ratio | 10.93 |
| Debt to Equity | 5.99 |
| ROE (%) | 11% |
| Book Value (₹) | 89.63 |
| EPS (₹) | 9.32 |
| Face Value (₹) | 10 |
| Total Shares | 3,70,30,54,419 |
Financials
| P&L Statement | 2025 | 2024 | 2023 |
|---|---|---|---|
| Interest Earned | 25,720 | 16,366 | 11,895 |
| Other Income | 2,650 | 1,832 | 1,741 |
| Interest Expended | 15,029 | 9,568 | 6,601 |
| Operating Expenses | 5,592 | 3,346 | 2,446 |
| Provisions & Contingencies | 2,827 | 592 | 574 |
| PAT (Profit After Tax) | 3,655 | 3,327 | 2,946 |
| EPS (₹) | 9.72 | 8.98 | 8.40 |
| Gross NPA (%) | 2.33% | 1.71% | 1.71% |
| Net NPA (%) | 0.98% | 0.38% | 0.40% |
| Financial Ratios | FY25 | FY24 | FY23 |
|---|---|---|---|
| Operating Margin | 70% | 77% | 71% |
| Net Profit Margin | 13% | 18% | 22% |
| Return on Equity (ROE) | 11% | 14% | 16% |
| Debt-Equity Ratio | 5.99 | 5.38 | 5.86 |
| Current Ratio | 1.14 | 1.15 | 1.14 |
| Dividend Payout Ratio | 4% | 2% | 5% |
| Company | TATA Capital Ltd | Aditya Birla Capital Ltd | L&T Finance Holdings Ltd |
|---|---|---|---|
| Market Cap (₹ Crores) | 3,22,166 | 56,066 | 44,343 |
| Profitability Margin (%) | 13.00% | 8.00% | 17.00% |
| ROCE (%) | 8.00% | 9.00% | 9.00% |
| ROE (%) | 11.00% | 12.00% | 11.00% |
| Debt-Equity Ratio | 5.99 | 4.61 | 3.61 |
| P/E Ratio | 93.35 | 17.00 | 16.80 |
| P/B Ratio | 9.71 | 1.84 | 1.69 |
| Book Value per Share (₹) | 89.63 | 117.00 | 102.00 |
| Assets | 2025 | 2024 | 2023 |
|---|---|---|---|
| Fixed Assets | 1,590 | 833 | 486 |
| Cash and Balances | 10,443 | 6,995 | 3,058 |
| Investments | 8,721 | 7,905 | 12,658 |
| Advances | 221,950 | 157,760 | 116,756 |
| Other Assets | 5,761 | 3,201 | 2,604 |
| Total Assets | 248,465 | 176,694 | 135,562 |
| Liabilities | 2025 | 2024 | 2023 |
|---|---|---|---|
| Share Capital | 3,762 | 3,703 | 3,507 |
| Face Value (FV) | 10 | 10 | 10 |
| Reserves | 30,608 | 20,878 | 13,451 |
| Borrowings | 198,762 | 139,646 | 106,309 |
| Trade Payables | 0 | 0 | 0 |
| Other Liabilities | 15,333 | 12,467 | 12,295 |
| Total Liabilities | 248,465 | 176,694 | 135,562 |
Promoters or Management
| Name | Designation | Experience | LinkedIn Profile |
|---|---|---|---|
| Saurabh Agarwal | Chairman | 30+ | — |
| Rajiv Sabharwal | MD & CEO | 30+ | — |
| Rakesh Bhatia | CFO | 28 yrs | — |
Frequently Asked Questions
Tata capital has issued many Bonds of various maturities in the past year in India and foreign markets. It had raised 1500 crores via a rights issue earlier this year. Tata capital is also planning for its IPO.
Tata Capital has filed its DRHP through confidential route. It is looking to raise $2 billion, aiming for an $11 billion valuation. IPO includes fresh issue and OFS.
Tata Capital has various subsidiaries such as Tata Capital Housing Finance Ltd, Tata securities ltd, and various private equity funds such as Tata capital growth fund I, Tata Capital growth fund II, etc. It also has presence in Singapore.
Tata Capital has issued loans amounting to 1,61,231 crores. For the deposits, it has issued Debt securities amounting to 60,503 crores and has borrowing around 79,142 crores.
