Tata Capital has seen a steady expansion in the segment of home financing, which seems to be a strong pillar of his wider growth strategy for retail.
The Tata Capital Housing Finance portfolio has grown with a healthy 33 percent compiled annual growth rate from FY23 to FY25, so that the company is positioned to use structural opportunities in India under the market for financial financing of India.
The segment of the company loan of the company was good for £ 38,400 crore or 17 percent of the consolidated gross loan book from Tata Capital from the end of March of £ 30,850 crore in FY24 and £ 22,100 crore in FY23.
This is a growth of 24 percent on an annual basis and a growth of two years of 74 percent, which indicates a sustainable demand for residential credit and a growing footprint in the segment.
Through an extensive series of more than 25 credit products, Tata Capital continues to serve a wide spectrum of customers, including people, entrepreneurs and small companies.
The market for home loans from India offers a huge unused opportunity with a mortgage-to-BP ratio of only 17 percent from FY25, considerably lower than developed economies such as the UK (64 percent) and the US (60 percent).
The market is expected to grow by 16 percent CAGR from FY25-FY28, powered by rising urbanization.
According to the entry into the offer document, shopping loans accounted for 62 percent of the Tata Capital loan portfolio in FY25 compared to 57 percent in FY23, which underlines the focus on financing solutions led by consumers.
The constant focus of Tata Capital on technology-serving insurance technology, appointment at branch level and deeper penetration in semi-urban markets contributes considerably to the growth process.
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Published on August 8, 2025
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