Tata Capital IPO GMP

October 13, 2025 Written By Mihir Gohel, Reviewed and Fact Checked by Harpal Parmar

Tata Capital IPO is set to launch on October 6, 2025, and stands out as one of the largest public issues of the year with an estimated fundraising of ₹16,400 crore. The offering includes both a fresh equity issue and an offer for sale from existing shareholders, positioning Tata Capital for a market valuation of $16.5 billion. The Tata Capital IPO provides investors an opportunity to gain exposure to a leading NBFC with strong brand recognition and healthy growth outlook in India’s financial services sector.

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Latest IPO GMP

Last updated on 12 Oct 2025 17.31

₹326

IPO Offer Price

*cut off price

₹330.00

Listing Price

Listing Date 13/10/2025

Expert Opinions

Market sentiment for the Tata Capital IPO is mixed, with some investor caution due to recent declines in unlisted share prices and valuation concerns, but overall excitement remains strong given Tata Capital’s status as a leading NBFC and its association with the Tata Group. The company’s major strengths include a diverse and expanding financial services portfolio, established brand reputation, large customer base, and an extensive pan-India network.

Challenges stem from macroeconomic headwinds, competition from other NBFCs and banks, and pressure on net interest margins. In the valuation analysis of financial year 2025, the Tata Capital IPO stands with a Return on Equity (ROE) of 12.6% and Net Asset Value (NAV) of ₹79.5, reflecting stable profitability and asset strength. Over the long term, Tata Capital’s robust fundamentals and growth trajectory make it appealing for investors seeking steady wealth creation in financial services, though short-term volatility is possible as the market discovers fair value.

Investor Considerations

Tata Capital IPO is backed by strong fundamentals, with revenue rising 56% year-on-year and profit after tax up 10% in FY 2025, driven by rapid expansion in branches and customer base. The sector outlook remains robust as demand for retail, SME, and infrastructure lending in India continues to grow, supported by financial reforms and a healthy economy. For FY 2025, Tata Capital IPO’s valuation reflects a Return on Net Worth (RONW) of 11.2% and a Debt/Equity ratio of 6.60, indicating strong leverage common to NBFCs but manageable given its diversified loan mix.

Growth prospects are buoyed by its scale, brand, and rising loan disbursals, though these are tempered by higher credit costs and asset quality pressures. Key risks include rising NPAs, elevated competition, and external macroeconomic shocks. For long-term investors, Tata Capital IPO offers steady growth potential, while short-term investors should weigh sector volatility and listing price discovery.