What we do Tata Capital Limited, flagship financial services arm of Tata Group, offers diverse lending, wealth management, insurance, and private equity solutions across India. |
Founded in 1,991 |
Market share Among the top three diversified NBFCs in India with a broad retail and SME customer base and strong credit ratings. |
Problem solved Provides tailored financial solutions addressing retail and business funding needs, wealth management, and asset financing to millions. |
Top clients or who we serve Serves 8.1 million customers including salaried individuals, SMEs, corporates across India; B2B and B2C segments. |
Key management Rajiv Sabharwal - MD & CEO with extensive banking and NBFC expertise; supported by seasoned Tata and industry professionals. |
Our journey and innovations Founded in 1991, started lending in 2007; merged with Tata Motors Finance in 2024; pioneered digital lending and AI-enabled financial services. |
Where we operate Pan-India presence with 1,505 branches across 27 states and union territories, plus international private equity in Singapore. |
Top products or what we offer Retail loans, SME finance, motor and equipment finance, wealth management, insurance distribution, and private equity funds. |
Top brands Key offerings include Tata Capital loans suite, Tata Capital Wealth, Tata Capital Housing Finance, and Tata Capital Private Equity funds. |
Raw materials needed Not applicable - financial services business model. |
Raw materials supplier Not applicable. |
Recurring vs cyclical contribution Majority of revenue is recurring through interest income and fee-based services with steady growth over cycles. |
Our industry position Well-positioned with AAA domestic rating, BBB- international rating; third largest diversified NBFC with solid asset quality. |
Financial highlights FY25 consolidated revenue ₹28,323 Cr; PAT ₹3,665 Cr; 26% YoY AUM growth; Robust return ratios - ROE ~14%, ROA ~2.3%. |
Geographical revenue split Entire revenue generated from India, with widespread presence in urban and semi-urban regions. |
Order book Not specified; operates on continuous lending and asset management basis. |
Whats driving growth Growth driven by retail and SME loan demand, digital initiatives, strong risk management, and strategic mergers. |
Our future plans Target 23-25% AUM CAGR till FY28, expand product suite, optimize digital platform, and maintain asset quality and profitability. |
Our green promise Focus on cleantech finance, affordable housing, water and energy security programs, and carbon sequestration initiatives. |
Our people and values 29,725 employees foster inclusive culture rooted in Tata values emphasizing trust, innovation, and customer delight. |
Key challenges ahead Managing credit risks amid economic cycles, integrating merged entities, and sustaining cost efficiencies. |
Interesting facts Served 7.3 million customers by mid-2025; digital onboarding for 97% customers; over 1500 branches including in tier 3 and beyond regions. |
Risks and strategy Risks include economic fluctuations and credit quality; mitigated via prudential risk culture, data analytics, and diversified funding sources. |
