Tata Capital IPO Day 3: GMP ₹13 – Subscribe Now?

The Tata Capital IPO has entered its final subscription day (October 8, 2025), drawing attention from investors across all categories. As one of India’s most anticipated financial sector listings, the IPO reflects Tata Group’s continued push to unlock value from its financial arm.

Despite its strong brand and fundamentals, market sentiment has remained slightly cautious, resulting in a moderate grey market premium (GMP). Still, many analysts see the IPO as a stable long-term bet rather than a short-term listing play.

Tata Capital IPO Subscription Status and GMP on Day 3

By the end of Day 2, Tata Capital’s IPO reached approximately 75% subscription, with 24.96 crore shares bid against 33.34 crore on offer. The category-wise interest stands as follows:

• Qualified Institutional Buyers (QIBs): 86% subscribed
• Non-Institutional Investors (NIIs): 76% subscribed
• Retail Individual Investors (RIIs): 67% subscribed

The GMP on Day 3 is trading around ₹13, showing improvement from ₹6–₹7.5 earlier this week. This suggests a potential listing price near ₹339, about 4% above the issue price of ₹326.

While the GMP rise signals improving sentiment, experts note that the enthusiasm remains tempered due to broader market volatility and valuation concerns in the NBFC sector.

Tata Capital IPO Details and Financial Snapshot

The IPO includes both a fresh issue and an offer for sale (OFS):

Tata Capital, a major player in consumer and corporate lending, continues to show strong fundamentals with stable earnings, diversified loan books, and robust brand trust under the Tata Group umbrella.

Read more: Tata Capital IPO: Update on Day 2

Should You Subscribe on Day 3?

Analysts have described the IPO as “fairly valued”, making it more of a long-term play than a speculative listing bet. The modest GMP and stable subscription levels suggest measured optimism rather than frenzy.

Reasons to consider subscribing:

• Strong Tata Group credibility and brand legacy
• Well-diversified financial services portfolio
• Long-term growth potential in NBFC sector
• Improving sentiment with GMP rising to ₹13

However, cautious investors should be aware of:

• Tight listing gains expectations (2–4%)
• Broader market correction risk affecting debut performance

If you’re looking for steady compounding and institutional-grade stability, Tata Capital’s IPO remains a solid, brand-backed investment.

Final Thought

The Tata Capital IPO offers a blend of reliability and reasonable valuation, reflecting the group’s financial discipline and long-term potential. While the Day 3 GMP of ₹13 hints at modest listing gains, the real value lies in long-term portfolio inclusion rather than immediate returns.

For investors seeking stable exposure to India’s expanding financial services sector, backed by one of the country’s most trusted conglomerates, this IPO is worth considering before the subscription window closes.

Secure Bitcoin trades. Smart crypto insights. Only at Bitrue.

FAQ

What is Tata Capital’s IPO GMP on Day 3?

The Tata Capital IPO is trading at a grey market premium (GMP) of around ₹13, suggesting a potential 4% upside on listing.

How many times has the Tata Capital IPO been subscribed so far?

By the end of Day 2, the IPO was about 75% subscribed, led by strong QIB participation.

What is the issue price of Tata Capital IPO?

The issue price has been set at ₹326 per share, with a lot size of 45 shares.

When is the Tata Capital IPO listing date?

The shares are expected to list on October 13, 2025, after allotment on October 9 and credit by October 10.

Should you subscribe to Tata Capital IPO?

Yes, investors looking for long-term stability and exposure to the financial sector can consider subscribing. Short-term listing gains may be modest, but the fundamentals remain strong.