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Tata Capital Reviews

Mumbai, Maharashtra

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Tata Capital Limited (TCL), established on March 8, 1991, serves as the flagship financial services arm of the Tata Group. Headquartered in Mumbai, India, the company operates as a prominent, diversified Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India. It functions as a Core Investment Company (CIC) and serves as the holding company for the group's various financial services subsidiaries, which include Tata Capital Housing Finance Limited and Tata Securities Limited. Tata Sons Private Limited maintains ultimate corporate control over the entity, holding a majority stake of 92.83%. The core operations of Tata Capital span across a wide array of fund-based and non-fund-based services in the Indian financial sector, categorizing its business into commercial finance, consumer loans, wealth services, and distribution operations. In the consumer finance vertical, the company manages a comprehensive suite of digital lending products tailored for retail individuals, including personal loans, home loans, education loans, auto loans, loans against property, and loans against securities. In partnership with SBI Cards and Payment Services, Tata Capital also markets co-branded credit cards. For its corporate and small and medium enterprise (SME) clientele, Tata Capital provides institutional commercial financing solutions. These include term loans, channel financing, working capital loans, bill discounting, promoter funding, structured debt products, and specialized infrastructure leasing solutions designed to optimize capital budgets. Additionally, through Tata Cleantech Capital, the company provides advisory services and specialized financing to over 185 clean technology projects, managing substantial investments in renewable energy, water management, and energy efficiency operations across India. The wealth management division extends third-party investment distribution services, connecting institutional and retail investors to mutual funds, bonds, and private equity vehicles. Financially, Tata Capital stands as the third-largest and one of the fastest-growing diversified NBFCs in India, serving over 7.3 million customers. As of June 2026, the company holds a massive market capitalization of INR 1,54,365 crore and trades publicly on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE) under the ticker TATACAP. The company maintains a highly diversified borrowing profile comprising bank loans, non-convertible debentures, and commercial papers, benefiting from significant financial flexibility and direct capital support from its parent, Tata Sons. Led by Managing Director and CEO Rajiv Sabharwal alongside Chairman Saurabh Agrawal, Tata Capital relies on its robust domestic infrastructure, technological frameworks, and strong brand heritage to deepen its retail loan granularity while expanding its wholesale footprint across the national economy.