Tata Capital IPO 2025 💼 - Detailed Review | Apply or Avoid | Price, Dates, Lot Size & Valuation

Tata Capital IPO Review with Detailed Analysis. Tata Capital Ltd., India’s third-largest diversified NBFC, is now coming to the public markets with 2025’s biggest IPO. In this video, we cover the Tata Capital IPO price band, dates, lot size, business model, financials, valuations compared to peers, key risks, and our final 'Apply/Avoid' view.
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0:00 Intro
0:46 AssetYogi Wealth
1:06 Business Overview
1:43 Loan Book & Yield
2:28 Cost of Funds
3:25 Distribution Network
3:37 Tata Capital's Unique Edge
5:02 Financials
6:50 Competitor Analysis & Valuations
7:35 Positives & Negatives
9:12 IPO Details
10:26 Final Recommendation
11:15 Outro

About the video
Tata Capital’s IPO is among the most awaited in 2025. In this breakdown, we discuss the company’s business, growth drivers, and valuation in the context of:
• Tata Capital IPO Price Band & Timeline: ₹310–₹326 per share; Oct 6–8 bidding; listing ~Oct 13. It’s slated to be the largest IPO of 2025, with an estimated market cap in the ~₹1.32–₹1.38 lakh crore range at the band.
• Tata Capital IPO Lot Size & Minimum Investment: 46 shares per lot (≈ ₹14,996 at the upper band).
• What’s changing: Completed merger with Tata Motors Finance Ltd. (TMFL) in 2025, consolidating the group’s vehicle financing under Tata Capital.
• Positioning: Third-largest NBFC by gross loans with strong parentage (Tata Group).
• Credit quality: CRISIL AAA/Stable on key debt instruments, reflecting strong balance-sheet quality.
We’ll also cover:
• Business mix & how Tata Capital makes money
• FY trends, asset quality drivers & funding profile
• Valuation vs. peer NBFCs and what the band implies
• Promoter shareholding & OFS vs Fresh Issue split
• SWOT & Key Risks: leverage/interest-rate sensitivity, regulatory oversight, competition, and cyclicality of credit demand (see our deck notes).
Our View: We’ll assess whether this IPO suits listing gains seekers or long-term investors; watch till the end for our recommendation.
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Disclaimer
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Research Analyst details (SEBI): Vidfin Technologies Pvt. Ltd. (Trade Name: Vidfin) — SEBI Registered Research Analyst (INH100009752) | BSE Enlistment No. 5574 | CIN: U67100DL2022PTC392879. Registration granted by SEBI, enlistment with an exchange, and NISM certification do not guarantee performance or assure returns.
Research Analyst: Vaibhav Tewatia
Narrator: Vaibhav Tewatia
Report Date: 01 October 2025
Registered Office: C1-48/49, 4th Floor, Deep Vihar, Sector 24, Rohini, Badli, New Delhi – 110042.
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