Overview:
Tata Capital Limited is a subsidiary of Tata Sons Limited and is registered with the Reserve Bank of India (RBI) as a Systemically Important Non - Deposit Accepting Non - Banking Financial Company.
A trusted, customer-centric, one-stop financial services provider, Tata Capital caters to the diverse needs of retail, corporate and institutional customers, directly or indirectly through its subsidiaries through various areas of business namely Consumer Finance & Advisory Services, Corporate Finance which includes Commercial and Infrastructure Finance, Securities Business*, Investment Banking and Private Equity.
Predominantly an Indian financial services organization catering to the domestic market, Tata Capital is also setting its footprints in the overseas markets. To this extent, Tata Capital has set up an International subsidiary – Tata Capital Pte Ltd. headquartered in Singapore.
The Tata Capital Brand:
The Tatas are amongst the most respected business houses in the world. Tata Capital brings the trust and expertise of the Tatas to an economically and socially relevant sector like financial services.
Tata Capital aspires to become the leading financial services company in India with a global footprint and build a brand which is trusted, admired and respected by all stakeholders.
The essence of the Tata Capital brand is encapsulated in its brand proposition - ’We only do what’s right for you’ or ‘Karein wahi jo aapke liye sahi’. The brand proposition reflects the Company’s firm resolve to deliver financial solutions that are right as per the needs of customers as well as the society at large. The Company seeks to build strong relationships with its customers via genuine care and financial expertise and deliver superior and consistent customer experience across all products and touch-points.
Offerings:
Tata Capital’s diversified portfolio includes:
1.Consumer Finance and Advisory Services – Diverse mix of Retail offerings in the areas of Consumer loan products and investment advisory services. These include Home loans, Auto loans, Personal loans, Education Loans, Loans against Property, Investment products and Advisory Services.
2. Corporate Finance – Suite of customised lending products like - asset-backed lending, channel finance, factoring and bill discounting for the Commercial and Infrastructure Sector.
3. Securities Business* - EquityResearch, Advisory and Broking for both institutional and retail customers.
4. Investment Banking –M&A Advisory,Debt and Equity Capital Market services for institutional and corporate enterprises.
5. Private Equity –Private equity investments in India and overseas.
*Brought to you by Tata Securities Limited
A unique Customer-Centric Business Model:
Tata Capital aims to build itself into a customer centric financial services provider with the capability to offer a comprehensive suite of products and services to retail, corporate and institutional customers. As part of its customer-centric philosophy, the Company aims to establish one of the highest standards of service quality and operational excellence.
Subsidiaries and Affiliates
Tata Capital is growing in reach and reputation through its spate of subsidiaries and affiliates:
- Tata Securities Limited (TSL) - A wholly-owned subsidiary of Tata Capital Limited. TSL engaged in Retail and Institutional Distribution and Broking. TSL distributes third-party investment products and offers stock broking services of buying, selling or dealing in securities, including Futures and Options, in its capacity as a member of the Bombay Stock Exchange and the National Stock Exchange. TSL is also a Depository Participant.
- Tata Capital Housing Finance Limited is a wholly-owned subsidiary of Tata Capital Limited offering long-term lending for housing purposes. The company has received a certificate of registration from the National Housing Bank (NHB)
- Tata Capital Markets Limited (TCML) - A wholly-owned subsidiary of Tata Capital Limited. TCML has a Category-I Merchant Banking License from the Securities and Exchange Board of India (SEBI) and offers a bouquet of Merchant Banking services.
- Tata Capital Pte. Ltd. is a wholly-owned subsidiary of Tata Capital Limited based out of Singapore and is envisaged to be Tata Capital’s global footprint.
- TC Travel and Services Limited is a wholly-owned subsidiary of Tata Capital Limited and offers services related to Ticketing & related services as well as Forex services.
- e-Nxt Financials Limited is a BPO and KPO unit specialising in the area of financial services and is owned by Tata Capital Limited, Tata Sons Limited and others.
- Tata Capital Limited also owns around 4% of equity capital of Development Credit Bank, a growing private sector bank.
Alliances
Tata Capital realizes that alliances are important for delivering value to its customers. All alliances and partnerships are based on and are an extension of the Company’s core objects and values. These alliances are:
- With Mizuho Securities Co. Ltd. to foster business cooperation in private equity, investment banking including cross border mergers and acquisitions, securities business including broking and distribution, structured finance and other business areas such as wealth management.
- With Mizuho Corporate Bank Limited (MHCB) to foster business cooperation, enhancing cross-market value creation capabilities, strengthening competitive advantages in addition to aiding each other in gaining a deeper understanding of the Indian and Japanese markets. As part of the understanding, Tata Capital and MHCB will cooperate in a wide-range of business areas. Some of these include Ninja Loans, Project and Infrastructure Finance and Treasury Products.
- With Mitsubishi UFJ Securities Co., Ltd to establish a basis of cooperation in a wide range of strategic business areas that include cross-border investment banking, global offering of Indian equities and working towards development of the local bond market.