Tata Capital Limited
Tata Capital Limited, through its subsidiaries, provides various financial services to retail, SME, corporate, and institutional customers in India, Singapore, and the United Kingdom. The company operates through three segments: Financing Activity, Investment Activity, and Others. It offers loans for retail and corporate borrowers, including asset financing, term loans, channel financing, credit substitutes, investments linked to/arising out of lending business, bill and invoice discounting, and power project finance. It also offers home loans, loans against property, personal loans, business loans, two wheeler loans, car loans, commercial vehicle loans, construction equipment loans, loans against securities, microfinance loans, and education loans. Additionally it provides supply chain finance, equipment finance, cleantech and infrastructure finance, and developer finance. The company also engages in the provision of corporate investment, advisory, wealth management, private equity fund management, and leasing services, as well as the distribution of financial products. In addition, it offers insurance and credit card distribution services. Tata Capital Limited was formerly known as Primal Investments and Finance Limited and changed its name to Tata Capital Limited in May 2007. Tata Capital Limited was incorporated in 1991 and is based in Mumbai, India. Tata Capital Limited operates as a subsidiary of Tata Sons Private Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockRule-based from financial data. Not advice.
Historically, Jun has averaged the highest return (+21.9%); May the lowest (-10.0%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.3%Neutral MonthJan 2026: -0.32% | -2.6%Negative MonthFeb 2026: -2.60% | -8.2%Negative MonthMar 2026: -8.25% | +9.2%Positive MonthApr 2026: +9.15% | -10.0%Negative MonthMay 2026: -10.03% | +21.9%Positive MonthJun 2026: +21.94% | -3.0%*Negative MonthJul 2026: -2.95% | β | β | β | β | β |
| 2025 | β | β | β | β | β | β | β | β | β | β | +0.2%Neutral MonthNov 2025: +0.20% | +4.6%Positive MonthDec 2025: +4.57% |
| AvgΒ±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position β all Januaries together, all Februaries together, and so on β to show whether a given month has leaned positive or negative historically. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 2 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in βAverage fromβ, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ21.90 K Cr | β | βΉ2.59 K Cr | β | β | β | 64.7% | 4.1% |
| Mar 2024 | βΉ13.29 K Cr | β | βΉ2.49 K Cr | β | β | β | 30.7% | 7.4% |
| Mar 2023 | βΉ10.17 K Cr | β | βΉ2.32 K Cr | β | β | β | 1930.5% | 2696.4% |
| Mar 2022 | βΉ501.00 Cr | β | βΉ83.00 Cr | β | β | β | 10.8% | 76.6% |
| Mar 2021 | βΉ452.00 Cr | β | βΉ47.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Revenue | 452 | 501 | 10,173 | 13,293 | 21,897 |
| Finance Costs | 255 | 290 | 4,557 | 6,646 | 10,889 |
| Total Expenses | 127 | 112 | 2,366 | 3,211 | 7,335 |
| Financing Profit | 70 | 99 | 3,250 | 3,436 | 3,673 |
| Financing Margin % | 15% | 20% | 32% | 26% | 17% |
| Other Income | 1 | 11 | -3 | 16 | 43 |
| Depreciation & Amortisation | 7 | 7 | 198 | 244 | 340 |
| Profit Before Tax | 63 | 103 | 3,049 | 3,209 | 3,375 |
| Tax % | 26% | 19% | 24% | 22% | 23% |
| Net Profit / PAT | 47 | 83 | 2,321 | 2,492 | 2,594 |
| EPS (βΉ) | 0.13 | 0.24 | 6.52 | 6.65 | 6.83 |
| Dividend Payout % | 0% | 68% | 3% | 3% | 6% |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Tata Capital Limitedthis co. | βΉ1.48 L Cr | βΉ21.90 K Cr | 58.30 | 0.00 | 0.00 | 64.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |
