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Tata Capital IPO 2025

Tata Capital IPO 2025: ₹17,200 Cr Mega Issue — Dates, Price Band, Listing & Insights

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Tata Capital IPO 2025 aims to raise ₹17,200 crore via fresh issue + OFS. Check subscription dates (Oct 6–8), price band, company financials, listing date & what investors must know.

The Tata Capital IPO 2025 is shaping up as one of the marquee public issues of the year. With a size of about ₹17,200 crore, it holds the promise of becoming one of the largest offerings in the financial services space. In this article, we walk through key dates, issue structure, financials, risks, and opportunities, and SEO-optimized insights to help investors and readers understand the significance.

Note: Some details are based on your information, corroborated or supplemented by public filings and news sources.

What Is the Tata Capital IPO 2025?

Tata Capital, operating as a diversified NBFC (non-banking financial company) under the umbrella of Tata Sons, is going public in October 2025. The issue comprises:

  • Offer for Sale (OFS): Up to 265.79 million shares

  • Fresh issue: ~210 million shares

  • IFC (International Finance Corporation) is selling up to 35.82 million shares

Thus, the total issue size is roughly ₹17,200 crore (₹17,200 Cr) as per your data. This structure (mix of OFS and fresh) is common in large IPOs.

The IPO is being closely watched because it’s likely to be one of the biggest financial-sector listings in 2025. The Economic Times+2Moneycontrol+2

Key Dates & Timeline

Event Date Notes
Anchor investor bidding October 3, 2025 Institutional investors place orders first
IPO opens for subscription October 6, 2025 Retail and other eligible investors
IPO closes October 8, 2025 End of subscription window
Share allotment finalization October 9, 2025 Allotment process completed
Refunds / Demat credit October 10, 2025 Refunds to unsuccessful bidders; credits to accounts
Listing on BSE / NSE October 13, 2025 Shares begin trading on exchanges

This timeline aligns with disclosures in the red herring prospectus and media reports.

Price Band, Grey Market & Valuation Context

The price band for the IPO is set at ₹310–₹326 per share (face value ₹10). Moneycontrol+3The Economic Times+3The Financial Express+3

Earlier, unlisted (grey market) quotes for Tata Capital shares had reached as high as ₹1,075, with some touching a peak of ₹1,125 in April 2025. But over recent weeks, the grey market price (GMP) has dipped ~32% amid volatility in the financial sector. This suggests some tempered expectations leading into the IPO. (You also noted this in your data.) The Economic Times+2Moneycontrol+2

In terms of valuation, Tata is targeting a post-money equity valuation around $16.5–18 billion (~₹1,46,000+ crore) for the listing. Moneycontrol+2mint+2

Tata Capital – Business & Financials

To understand whether the IPO is promising, we must see Tata Capital’s fundamentals.

  • As of March 31, 2025, Tata Capital has a network of 1,496 branches across 27 states and union territories

  • In FY 2024–25, its total income surged ~56% to ₹28,369.87 crore

  • Profit after tax (PAT) increased ~9% to ₹3,655.02 crore

  • Its net worth jumped ~38% year-on-year, reaching ₹32,587.82 crore

These numbers indicate strong growth momentum and capital appreciation, which can inspire investor confidence.

Tata Capital’s business is diversified across lending, financial services, consumer finance, and more. As an NBFC, its ability to raise funding and manage credit risk will be key metrics for investors.

Lead Managers, Registrars & Regulatory Aspects

  • The book-running lead managers include Kotak Mahindra … (you mentioned; you may insert full list)

  • Tata Capital has filed its UDRHP with SEBI (the draft red herring prospectus) for public disclosures. Securities and Exchange Board of India

  • Because Tata Capital is classified as an upper-layer NBFC, RBI norms require such entities to list within a prescribed timeframe. The company obtained a modest extension to comply. Moneycontrol+2Business Today+2

Strengths, Risks & Considerations

Strengths / Investment Positives

  1. Backing of Tata Group — strong brand, governance and parentage behind it

  2. Robust growth indicators — rising income, profits, net worth

  3. Large issue size — brings visibility and liquidity

  4. Balanced issue structure — mix of fresh issue and OFS provides exit options and capital infusion

Risks / Headwinds

  1. Market volatility (esp in financial sector) — recent volatility has depressed grey market quotations

  2. Valuation discipline — the IPO price band vs earlier unlisted premium suggests a contraction, which might limit upside

  3. Credit / asset quality risk — as an NBFC, loan defaults or macro pressures could affect performance

  4. Regulatory / listing delay risks — although the extension is granted, further delays might dent sentiment

Investors should weigh both sides carefully and assess their risk appetite before subscribing.

How to Apply / Subscribe

  • Lot size & application mechanism: (You may insert details on lot size, minimum shares, ASBA/online process)

  • Use ASBA (Application Supported by Blocked Amount) or via the broker / bank portal

  • Be sure to keep funds ready and submit before the deadline

  • Retail investors often look for listing gains — but they must temper expectations given the valuation and market conditions

Outlook & What to Watch

  • Given the size and profile, Tata Capital IPO could set the tone for other NBFC / financial sector IPOs in late 2025

  • Monitor anchor investor demand (on October 3) — strong anchor subscription often signals institutional confidence

  • Watch grey market premium closer to listing — it can hint at market expectation

  • On listing day (October 13), be prepared for volatility — initial gains (or losses) may depend on demand-supply dynamics

If all goes well, Tata Capital’s public listing may reaffirm confidence in financial sector IPOs and become a benchmark for valuation expectations.

FAQ (Suggested)

Q: When does Tata Capital IPO open?
A: October 6, 2025 (anchor bidding starts Oct 3)

Q: What is the price band?
A: ₹310 to ₹326 per share

Q: What is the listing date?
A: Expected listing on BSE & NSE on October 13, 2025

Q: How many shares are being issued?
A: OFS ~265.79 million shares + fresh issue ~210 million shares; IFC sells ~35.82 million shares

Q: What is Tata Capital’s net worth & profits?
A: Net worth ~₹32,587.82 crore; PAT ~₹3,655.02 crore in FY 2024–25

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