Tata Capital IPO Lists at 1.2% Premium — Should You Hold or Buy More?

Tata Capital shares listed at Rs.330 per share on both NSE and BSE — a 1.23% premium over the IPO price of Rs.326. The Rs.15,512 crore IPO had a price band between Rs.310 and Rs.326 per share. Despite the lukewarm listing, it still performed better than grey market predictions, which hinted at a flat debut. Post-listing, Tata Capital’s market capitalization stood at Rs.1.39 lakh crore, reflecting investors’ steady but cautious confidence.

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IPO Performance Overview

The IPO received 1.95 times subscription during its open window between October 6–8, which was moderate compared to the enthusiasm seen in other big IPOs this season. Yet, Tata Capital’s listing outcome suggests that investor trust in the Tata brand remains strong, even amid volatile market conditions.

Expert Opinion: Hold for Long Term

According to Prashanth Tapse, Sr. VP at Mehta Equities, Tata Capital’s diversified business model and strong Tata Group backing make it a solid long-term investment. He noted that the company’s deep presence across retail, corporate, and housing finance segments ensures consistent growth potential.
Tapse recommends long-term investors to hold their positions while advising new entrants to ‘wait and watch’ for any price correction before accumulating shares.

Growth Potential in NBFC Space

India’s ongoing credit expansion and economic formalisation are likely to benefit non-banking financial companies (NBFCs). Tata Capital, with its wide portfolio and customer base, is positioned to capitalize on this structural growth. Its broad exposure to consumer, SME, and corporate financing offers investors a stable growth opportunity within the NBFC sector.

Diverse Portfolio and Offerings

Beyond lending, Tata Capital offers wealth management, insurance distribution, and credit card services. It also manages private equity funds, making it a comprehensive financial services provider. This diversification helps the company mitigate risks while tapping into multiple revenue streams — a key advantage in the competitive NBFC landscape.

Bottom Line

While Tata Capital’s market debut was far from explosive, its fundamentals remain strong. Experts believe this is a stock for patient investors looking for steady, long-term gains rather than quick returns.

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