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Who are we?

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is carrying on business as a non-banking financial company.

Tata Capital and its subsidiaries are engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.

Annual Report 2023-2024

Tata Capital is a trusted, customer-centric, one-stop financial solutions partner that caters to the diverse needs of retail, corporate and institutional customers, directly or through its subsidiaries. 

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Our Subsidiary Companies

Tata Capital's subsidiary companies include:

Our Offerings

Tata Capital's range of offerings caters to the diverse financial requirements of its retail, corporate and institutional customers, directly or indirectly, through its subsidiaries.

Commercial Finance

The Commercial Finance* business helps small, medium and large corporates grow their business. Our range of offerings includes Term Loans, Working Capital Loans, Channel Finance, Equipment Finance, Lease Rental Discounting, Bill Discounting, Letter of Credit and Bank Guarantee**.

Commercial Finance Commercial Finance

Investment Banking

Our Investment banking business provides a broad range of services, including Equity Capital Markets Transaction Execution, Underwriting, Mergers and Acquisitions Advisory, Structured Finance Advisory, PrivateEquity Advisory and Infrastructure Advisory.

Investment Banking Investment Banking

Private Equity

Tata Capital acts as Investment Manager to Private Equity Funds which identify and invest into target companies with significant growth potential, nurture them and exit profitable.

Private equity Private equity

Asset Finance

The Asset Finance* business caters to the specialized needs of the infrastructure sector. Our range of offerings includes Equipment Finance, Project Finance, Equipment Rentals, Working Capital Loans, Bill Discounting/ Factoring, Refinance, Top Up Loans and Loan Syndication.

Asset Finance Asset Finance

Investments

Tata Capital Wealth Management offers a range of services and markets third-party investment products like Portfolio Management Services, Private Equity and Venture Capital Funds, Structured Products, Mutual Funds, Fixed Deposits and Bonds.

Investments Investments

Consumer Loans

Our wide range of Consumer loans such as Home Loans, Auto Loans, Personal Loans, Business Loans, Education Loans, Loans against Property, Loans against Shares and Consumer Durable Loans. 

Consumer Loans Consumer Loans

Tata Cards

The Tata Card combines the convenience of a powerful credit card with a rewarding membership to the Empower program. The credit card allows customers to earn points and membership to the Empower program, India's first multi-brand loyalty program, offering them the advantage of redeeming these points across several loyalty partners.

Tata Cards Tata Cards

Cleantech Finance

Tata Capital Limited’s Cleantech Finance  arm was first of its kind green setup financing the cleantech segment using private capital. The Cleantech Finance department has played a pivotal role in navigating this financial landscape by effectively channelling the climate funds from reputed climate investors globally. It has established itself as one of the ideal intermediaries to connect global climate funds with Indian climate projects and companies while maintaining pristine asset quality and profitability. 

Cleantech Finance Cleantech Finance

Leasing Services

The alliance of Tata Capital and Century Tokyo Leasing Corporation (TC-Lease) brings you comprehensive & innovative solution-oriented financing services by leveraging the combination of leasing, financing knowledge and domain expertise.

Leasing Service Leasing Service

Our Brand Promise

For over 150 years, the Tata Group has engaged in the task of nation-building. Tata Capital, born of this legacy of trust and integrity, has always been about more than just ‘financial services’. Our mission– to connect people to opportunities. Opportunities that make the impossible dream, possible that give young ambition the wings to soar. By embracing simplicity, un-complicating the complexity of finance, by being there for the customer, when it matters. By staying true to a tradition of putting people before profit, by believing that not everything that counts can be counted, and that true wealth creation is about enriching lives and building enduring bonds. By committing ourselves to grow everyone we serve - individuals, businesses, and communities and by being an institution people can count on.  

Our Values

  • Integrity

    We will be fair, honest, transparent and ethical in our conduct; everything we do must stand the test of public scrutiny.

  • Pioneering

    We will be bold and agile courageously taking on challenges, using deep customer insight to develop innovative solutions.

  • Unity

    We will invest in our people and partners, enable continuous learning, and build caring and collaborative relationships based on trust and mutual respect.

  • Responsibility

    We will integrate environmental and social principles in our businesses, ensuring that what comes from the people goes back to the people many times over.

  • Excellence

    We will be passionate about achieving the highest standards of quality, always promoting meritocracy.

Our Purpose Pillars

Integrity

Integrity

We respect and reinforce the trust that is placed in us. We are the lender the country can rely on.

Better Together

Better Together

We actively collaborate with group companies, partners, employees, customers, communities; their success is our success.

Future Ready

Future Ready

We innovate and leverage technology to anticipate, serve and shape future needs; setting the path for others to follow.

Faster Forward

Faster Forward

We bring speed and simplicity; accelerating the pace at which the future becomes the present.

Capital & More

Capital & More

We serve the customer through the life-cycle of needs. We are facilitators and counsellors in helping customers achieve their dreams.

Delivering Delight

Delivering Delight

We go above and beyond to care and make people happy. We deliver smiles and delight in everything we do.

    Our Culture

  • Know

    Knowledge. It is what empowers to us to make a difference in the lives of our customers. It is the fuel that will power the engine of innovation. It is what will enhance our ability to predict the change and adapt quickly and effectively. So, let us begin each day with a strong desire to know more, for only when we strengthen our pursuit towards excellence.

  • Care

    Care. It is at the core of all our relationships. It is what forges bonds that endure the test of time. It is about demonstrating humility and understanding towards all. Care is an appreciation of the truth, that in unity and in keeping 'we' before 'me', we will truly progress.

  • Do

    Do, it is what separates aspirations from reality. It calls for a heightened sense of responsibility and passion to give our best at all times. And to 'Do Right' is a higher calling. It calls for integrity - a constant practice of honesty, transparency and fairness. It calls for courage. So, let's do right, for it is what gives us our unique identity, our unique strength. 

Our Subsidiaries
Our Private Equity Funds

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Most Important Terms & Conditions - Home Loans

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Most Important Terms & Conditions - Home Loans

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