TATA CAPITAL LIMITED

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Returns (YTM)

7.4%

Min. Investment

₹ 10,21,193.86

Remaining Tenure

5Y 10M 14Days

Payment Terms

Yearly

Highlights

Credit Rating

CRISIL AAA/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Strong Parent Support: Backed by the strong ownership and continued capital support of Tata Sons, the company benefits from its position as the Tata Group’s primary lending platform

Moderate Operations: The company has built a strong nationwide presence with 1,477 branches across 27 states and union territories, while consolidated AUM grew to INR2.52 lakh crore in FY2026 from INR2.22 lakh crore in FY2025.

Company Financials

AUM

Net Worth

PAT

Cash & Cash Eq.

Important disclaimer

About Issuer

Tata Capital limited (“TCL”) incorporated on March 8, 1991 CRISIL AAA a systematically important non deposit taking NBFC registered with RBI.

TCL is the holding company for the financial services businesses of the TCL group. TCL has a diversified product portfolio, with a presence in both the wholesale and retail finance segments.

The consolidated AUM was INR2,51,885 crore as on March 31, 2026, and INR2,21,950 crore as on March 31, 2025.

Total Annual Revenue

Rs 13309.11 Cr (FY 2024)

Year of Inception

1991

Industry

NBFC Corporate

Head Office

MUMBAI

Type of Issuer

Corporate

Current MD/CEO

Mr. Rajiv Sabharwal

Credit Rating / Outlook

AAA STABLE

CRISIL

Rating Rationale

Rating Date: 02-Sep-2024

AAA STABLE

ICRA

Rating Rationale

Rating Date: 05-Feb-2025

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with AAA credit rating are considered to have the highest degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry lowest credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

TATA CAPITAL LIMITED

Security Name

7.65% TATA CAPITAL LIMITED Secured Rated Listed NCD Maturity 29-Apr-2032

ISIN

Copy

INE306N07MQ4

Face Value

₹ 10,00,000

Issued FV

₹ 10,00,000

Coupon Rate

7.65%

Coupon Type

FIXED

Payment Terms

Yearly

Maturity Date

29-Apr-2032

Clean Price

₹ 101.09

Dirty Price

₹ 102.12

Current Yield

7.5673%

Yield to Maturity

7.3999%

Mode of Issue

Private Placement

Date of Issue

29-Apr-2022

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Vistra ITCL (India) Limited

Registrar Details

TSR Darashaw Private Limited.

6-10, Haji Moosa Patrawala Ind. Estate20, Dr. E. Moses Road, Mahalaxmi, Mumbai, 400011.

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: TSR Darashaw Private Limited. 6-10, Haji Moosa Patrawala Ind. Estate20, Dr. E. Moses Road, Mahalaxmi, Mumbai, 400011.

Unit

Investment Amount

₹ 10,21,193.86

Total Returns

₹ 4,37,806.14

Total Receivable

₹ 14,59,000

Cashflow Timeline

Similar Bonds

FAQs about TATA CAPITAL bonds

How to buy this TATA CAPITAL bond online?

You can invest in bonds online in under 5 minutes. To buy TATA CAPITAL bond online follow the steps below:

Login/signup at GoldenPi
Upload your documents online to complete the KYC
Pay online via payment gateway and receive bond units in your demat account

What is the yield of this TATA CAPITAL bond?

7.3999% is the current yield of this TATA CAPITAL bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this TATA CAPITAL bond is 7.3999%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this TATA CAPITAL bond?

To redeem this TATA CAPITAL bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this TATA CAPITAL bond is generally simple and straightforward. Contact our support team for more information.

Is this TATA CAPITAL bond tax-free?

No, this TATA CAPITAL bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this TATA CAPITAL bond before the maturity date?

Yes, it is possible to sell this TATA CAPITAL bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

Need Help?

Talk to our Support Team for free. We will help you through your investment journey.

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Fixed Deposits are offered in the capacity of a distributor and all disputes with respect to distribution activity, would not have access to exchange investor redressal forum or arbitration mechanism.

Attention Investors - Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month. Issued in the interest of Investors

Filling complaints on SMARTODR & SCORES - Easy & Quick

a. Register on the portal | b. Mandatory details for register and filing complaints - Name, PAN, Address, Mobile Number, E-mail ID | c. Benefits: i. Effective Communication ii. Speedy redressal of the grievances | d. Complaints against the companies shall be subject to the SMARTODR/SCORES guidelines

GoldenPi Securities Pvt Ltd (“GSPL”) | SEBI Registration No.: INZ000310732 | BSE Member ID : 6809 | NSE Member ID: 90331

Compliance Officer: Ekta Sheth, Tel. No.: 080-45685666, Email ID: grievance-gspl@goldenpi.com (for any compliance & grievance related complaints)

Key Managerial Personnel:
Abhijit Roy - Designated Director & CEO, Samir Baran Pratihar - Designated Director & CTO
Tel. No.: 080-45685666 | Email: contact-us@goldenpi.com

Cashflow Timeline

Timeline	Total Receivable*	Net Receivable**
29 Apr , 2027	Interest ₹ 76,500	Interest ₹ 68,850
29 Apr , 2028	Interest ₹ 76,500	Interest ₹ 68,850
29 Apr , 2029	Interest ₹ 76,500	Interest ₹ 68,850
29 Apr , 2030	Interest ₹ 76,500	Interest ₹ 68,850
29 Apr , 2031	Interest ₹ 76,500	Interest ₹ 68,850
29 Apr , 2032	Interest + Principal ₹ 10,76,500 (Interest + 100% of Principal)	Interest + Principal ₹ 10,68,850 (Interest + 100% of Principal)

* The interest amount is paid as per total invested face value (₹ 1000000) and annual coupon rate of 7.65%.

** The net interest receivable is after 10% TDS for Indian Residents. However for NRI 30% TDS is deducted. The deducted TDS can be claimed while filing ITR.

Highlights

Company Financials

About Issuer