FAQs

    1. What is the differentiation that Tata Capital brings to Indian SMEs?
        Since its inception, Tata Capital has aimed to be a one-stop financial services centre. With businesses spread across Corporate Finance, Retail Finance, Rural Finance, Distribution and Broking, Wealth Management, Investment Banking and Private Equity, Tata Capital is in a unique position to offer all services required by Indian SMEs along with their stakeholders – employees, suppliers, customers etc.
    2. How are loan applications evaluated?
        Tata Capital does not solely look at availability of collateral as a precursor to sanctions. Instead, Tata Capital will examine the viability of our potential customer’s business proposal based on capacity and commitment to pay, while observing sound banking practices and standards as dictated by regulators and in spirit with our internal code of conduct.
    3. How are SMEs classified in Tata Capital?
        Though there are many interpretations of the term SME, Tata Capital follows a practical approach and targets 3 sets of customers based on the turnover profile – tiny companies, small and medium enterprises and mid-size companies.
    4. Is there a focus on business advisory services?
        Tata Capital believes that an end-to-end advisory system which supports the business development and knowledge needs of SMEs becomes an effective risk management tool, both for the SME customers and Tata Capital. Such an approach enables Tata Capital to identify problems before they occur, and ensures quick remediation of problems and continued growth of our customers.
    5. Is Tata Capital looking at any specific types of customers?
        No. Tata Capital is not looking at customers in specific sectors or locations.
    6. Does Tata Capital work with other financial and non-financial institutions?
        To meet all needs of our customers, Tata Capital will require a full spectrum of products and services. However when a situation arises that the same are not available due to regulatory or other constraints, we collaborate with other financial and non-financial agencies or associations as a part of our overall operational strategy to become a one-stop solutions provider.
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