Tata Capital's ₹15,512-Crore IPO Is Now Open — Here's the Full Scoop

Tata Capital has officially launched its much-anticipated Initial Public Offering (IPO), and it's already making waves. With a whopping ₹15,512 crore on the table, this is the biggest IPO India has seen so far in 2025 — and it's got investors paying close attention.

The bidding window opened today, Monday, October 6, and will stay open until Wednesday, October 8. That gives you three days to decide whether you want in on this major financial move.

At the time of launch, the grey market premium (GMP) was just a little over 2% above the offer price — a sign that early interest is there, but cautious. So, what's this IPO all about? Let's break it down in plain English.

Key Dates to Remember for Tata Capital IPO

Opening Date:

Monday, October 6, 2025

Closing Date:

Wednesday, October 8, 2025

You've got a short window to apply, so if you're thinking about investing, don't wait too long. Once the bidding closes, you'll have to wait until the shares hit the stock exchanges to get in.

What's the Price of Tata Capital IPO?

Each share has a face value of ₹10, but that's just the base number. The actual price you'll pay falls within a range of ₹310 to ₹326 per share. You can place your bid anywhere in that band, and the final price will be decided after the bidding ends — based on how much demand there is.

This method is called a Book Build Issue, and it's the standard way big IPOs are priced. It gives investors a chance to bid based on how confident they feel about the company's future.

How Big Is Tata Capital IPO?

The total issue size is ₹15,511.87 crore — and it's split into two parts:

Fresh Issue — ₹6,846 Crore

This is where Tata Capital is issuing new shares to raise money for itself. The funds from this portion will go directly to the company and are expected to be used for:

• Expanding its business
• Improving operations
• Possibly paying down some debt

In short, this is the growth fuel for Tata Capital's future.

Offer for Sale (OFS) — ₹8,666 Crore

The rest of the IPO is an Offer for Sale. That means Tata Sons — the company's promoter — is selling around 26.58 crore shares from its own holdings. Tata Sons currently owns 95.6% of Tata Capital, so this is a significant stake being offered to the public.

It's important to know that the money from this part doesn't go to Tata Capital — it goes to Tata Sons. So while it's part of the IPO, it's more about shifting ownership than raising funds for the business.

Where Will Tata Capital Shares Be Listed?

Once the IPO wraps up and shares are allotted, they'll be listed on:

• Bombay Stock Exchange (BSE)
• National Stock Exchange (NSE)

That means you'll be able to buy and sell Tata Capital shares on both major Indian stock markets.

Why Is Tata Capital IPO a Big Deal?

There are a few reasons why this IPO is getting so much attention:

It's Huge:

₹15,512 crore is no small number. This is the biggest IPO of the year so far.

It's Tata:

The Tata Group is one of India's most trusted and respected business houses. That backing adds a lot of credibility.

It's Financial Services:

Tata Capital is a major player in lending, wealth management, and advisory services — all key parts of India's growing economy.

It's Forward-Looking:

The fresh funds will help the company grow, innovate, and strengthen its position in the market.

🤔 Should You Invest in Tata Capital IPO?

That depends on your goals and how much homework you're willing to do. On paper, Tata Capital looks solid:

• Strong brand
• Clear growth plans
• Reasonable pricing
• Trusted promoter

But investing isn't just about brand names — it's about understanding the numbers and the risks. Here are a few things to think about before you apply:

Financials Matter

Take a look at Tata Capital's recent performance. Are revenues growing? Is the company profitable? How's the debt situation? These are the kinds of questions that can help you decide if the company is worth your money.

Is Tata Capital IPO Fairly Valued?

Compare Tata Capital's valuation with other financial services companies. Is it priced in line with the market, or are you paying a premium for the Tata name? A little research here can go a long way.

What's the Market Mood?

The overall market environment can affect how an IPO performs. If investor sentiment is strong, the IPO might see a good response and a healthy listing gain. But if the market's shaky, even a great company can struggle to attract attention.

Know the Risks

Every investment comes with risks. Regulatory changes, economic shifts, or unexpected events can impact performance. Make sure you're comfortable with the potential ups and downs.

Final Thoughts on Tata Capital IPO

Tata Capital's IPO is a major moment in India's financial landscape. With a massive issue size, a trusted promoter, and a strong business model, it's likely to draw interest from all corners — retail investors, big institutions, and market watchers alike.

But don't let the hype make the decision for you. Take the time to understand the company, read the prospectus, and think about how these fits into your investment strategy.