About Tata Capital Limited A Comprehensive Overview of Price & Journey Understanding Tata Capital Limited Inception and Growth Basic Info: Tata Capital Limited was established in 2007 as a financial and investment service provider in India. The company is based in Mumbai and is a subsidiary of Tata Sons Group. The Company is registered with the Reserve Bank of India (RBI) as a Core Investment Company. Under the Tata Capital brand, it offers fund and fee-based financial services to its customers through itself and its subsidiaries. Tata Capital is a trusted and customer-centric, one-stop financial services provider which caters to the diverse needs of retail, corporate and institutional customers, across various areas of business namely the Commercial Finance, Infrastructure Finance, Cleantech Finance, Wealth Management, Consumer Loans and distribution and marketing of Tata Cards. Through its extensive network and expertise, Tata Capital plays a significant role in empowering businesses and individuals in India's ever-evolving financial landscape. Tata Capital has over 500+ branches spanning all critical markets in India. During FY23 -24, Tata Capital moved further ahead in the journey of fulfilling India’s aspirations as they became the 3rd largest diversified NBFC in India, crossed the INR 1 lakh crore yearly disbursals mark, and maintained best-in-class asset quality. Tata Capital Ltd is amongst the three largest NBFCs in India with over 723 branches across and in out of those locations 92% branches are in non-metros cities. Tata Capital Ltd has over 4.5 million+ customers, out of which 83% are from non-metro areas. Tata Capital plans to enter a new segment every year and entered education loans in January 2024 due to demand from customers. The product has three segments: Study abroad, study in India, and vocational education. Product Portfolio Personal Loans Home Loans Business Loans Other Consumer Loans Cleantech Finance Institutional Distribution Private Equity Loan Against Property Wealth Products Distribution Commercial and SME Finance Leasing Solutions Tata Cards Product Categorization Retail: Under the Retail segment, the company provides Home Loans, Affordable Home Loans, Loans Against Property, Personal Loans, Business Loans, two-wheeler Loans, Used Car Loans, Micro Finance Loans, Education Loans, Loans Against Securities, Equipment Finance, Leasing, Construction Equipment Loans, Commercial Vehicle Loans, and Loans to Auto Dealers. SME: Under the SME segment, the company provides Channel Finance, Invoice Discounting, Factoring, Term Loans and Working Capital Loans. Corporate: Under the Corporate segment, the company provides Corporate Loans, Cleantech Finance, Construction Finance and Working Capital Loans. As of March 31, 2024, TCL’s closing portfolio has grown by 35% and stood at Rs. 1,57,761 crores (March 31, 2023: Rs. 1,16,789 crores).  Retail and SME segments contribute to 87% of the total portfolio size as of March 31, 2024, recording a growth of 38% from March 31, 2023.  As of March 31, 2024, the Retail portfolio stood at Rs. 1,00,051 crores (March 31, 2023: Rs. 72,758 crore).  SME portfolio stood at Rs. 37,293 crores (March 31, 2023: Rs. 26,903 crore) and  The corporate portfolio stood at Rs. 20,416 crores (March 31, 2023: Rs. 17,129 crores). New Product Offering Tata Capital has launched Education Loans for students pursuing higher education in India, the USA, Canada, the UK, Australia, New Zealand, Germany, Singapore, and Dubai (UAE).  These loans are available for Undergraduate, Postgraduate, and Master's programs in science, technology, engineering & mathematics, Management, and Vocational courses. Students can access collateral-free loans up to INR 75 lakhs and secured loans up to INR 200 lakhs, covering tuition and living costs. Key Strengths A well-diversified portfolio comprising of Retail & SME mix a