Archive · 3 Oct 2025
Tata Capital Anticipates Rise in Unsecured Retail Loans
Tata Capital, a financial company, expects its unsecured retail loans to increase to around 15% of its total gross loan book in the coming years, up from less than 12% presently.
These loans include personal, SME, education, and microfinance loans.
This is expected due to improving credit quality in the retail segment.
Tata Capital's MD and CEO, Rajiv Sabharwal, indicated that the company is seeing a positive trend in credit quality, allowing for growth in the unsecured loan segment.
The company is also preparing for an IPO, scheduled to open on October 6 and close on October 8.
Tata Capital anticipates that retail unsecured loans will rise to around 15% of its total gross loan book in the coming years.
Currently, unsecured gross loans constitute 20% of Tata Capital's total gross loans as of June 30, 2025.
Retail unsecured loans include personal loans, SME loans, education loans, and microfinance.
The company is seeing improved credit quality in the retail unsecured loan segment.
Tata Capital's IPO is scheduled to open on October 6 and close on October 8.
- Who
- Tata Capital
- What
- Anticipated rise in retail unsecured loans
- When
- Over the next few years
- Where
- India
- Why
- Improved credit quality
Tata Capital
Market Analysts
Unsecured Loan Growth
Tata Capital
Tata Capital expects to increase the unsecured loan portfolio because the credit quality is improving.
Market Analysts
NBFCs have been growing at a faster pace than the overall credit growth rate because NBFCs are usually more nimble.
- IPO Open
- October 6
- IPO Close
- October 8
- Price Band
- ₹310 - ₹326 per share
- Unsecured Loans (June 30, 2025)
- 20% of gross loans
Sources
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Retail unsecured loans may rise to 15% over next few years, says Tata Capital MD
