Tata Capital Share Price Target 2026: Stock Analysis, Share Price Today, Bull Case and Bear Case After Q1 FY27
- June 24, 2026
- Posted by: Lakshit Sharma
- Category: News
Tata Capital Rs 320.55 (7 Oct 2026 close). 52-week range Rs 296.00 to Rs 390.20. Q1 FY27 profit Rs 1,547 cr, up 56%; AUM Rs 2,90,502 cr, up 22%.
Quick Answer
The Tata Capital share price target for 2026 is Rs 292 to Rs 370, which is between 9 percent below and 15 percent above the last close of Rs 320.55, with bull and bear cases of Rs 456 to Rs 528 and Rs 168 to Rs 210. Tata Capital reported Q1 FY27 consolidated profit up 56 percent to Rs 1,547 crore and net AUM up 22 percent to Rs 2,90,502 crore, with credit cost down to 1.0 percent from 1.6 percent. Net interest income rose 25 percent, the company is entering gold loans through the Yogloans acquisition, and the stock is down 3 percent from its listing week after five weekly declines from Rs 375. No brokerage price target was available on the sources we track as of 7 October 2026, so every range below is a Univest research scenario.
The Tata Capital share price target for 2026 is Rs 292 to Rs 370 in the Univest base case, with the stock at Rs 320.55 at the 7 October 2026 close. That is 17.8 percent below its 52-week high of Rs 390.20 and 8.3 percent above its 52-week low of Rs 296.00, and the stock moved down 3.1 percent over the past year. Tata Capital is the flagship NBFC of the Tata group, listed on 13 October 2025, with retail, SME and housing finance businesses. The Tata group holds about 85.4 percent. Debt to equity is 5.15 and the dividend yield is 0.18 percent.
Three things changed since the last update: Q1 FY27 results on 28 July showed profit up 56 percent, the stock rose 2.8 percent to about Rs 365 on 29 July and peaked at Rs 390 in August, and it then fell five weeks in a row to Rs 313.55. This Tata Capital stock analysis covers the Tata Capital share price today, the Tata Capital share price target for 2026, 2027 and 2030, the Q1 FY27 numbers, catalysts and risks, key price levels and a Tata Capital buy or sell view.
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What Is the Tata Capital Share Price Target for 2026?
The 2026 target for Tata Capital shares is Rs 292 to Rs 370 in the Univest base case, which is -8.9% to +15.4% against the last close. The bull case is Rs 456 to Rs 528 and the bear case is Rs 168 to Rs 210. No brokerage price target was available on the sources we track as of 7 October 2026, so every range below is a Univest research scenario. Analyst consensus is used as a cross-check, not as the base.
Tata Capital Share Price Target Scenarios: Bull Case, Base Case and Bear Case
| Scenario | FY28E EPS | Target Multiple | Price Target (Rs) | Move vs Rs 320.55 |
|---|---|---|---|---|
| Bull Case | Rs 24 | 19x to 22x | 456 to 528 | +42.3% to +64.7% |
| Base Case | Rs 19.5 | 15x to 19x | 292 to 370 | -8.9% to +15.4% |
| Bear Case | Rs 14 | 12x to 15x | 168 to 210 | -47.6% to -34.5% |
FY28 EPS of Rs 19.50 in the base case compares with trailing EPS of Rs 12.91 and Q1 EPS of Rs 3.65, and assumes AUM growth near 23 percent and credit cost under 1 percent in line with company guidance of PAT growth above 30 percent a year. Large NBFCs trade at 15 to 19 times earnings, and the stock trades at about 16.4 times the base estimate. The PE multiple used for each case is shown in the table, and the EPS estimate is a Univest assumption, not company guidance. Those assumptions set the Tata Capital share price target range around the current price.
Tata Capital Company Overview and Share Price Today as of 7 October 2026
Tata Capital share price today is Rs 320.55 on the NSE at the 7 October 2026 close, before the market opens on 8 October. The market capitalisation is Rs 1,36,112 crore, and the stock trades at 24.8 times earnings against an industry average of 17.8 times. The Univest base case Tata Capital share price target of Rs 292 to Rs 370 is -8.9% to +15.4% from here. The table below sets out the key numbers behind the Tata Capital share price target.
| Parameter | Value | Context |
|---|---|---|
| NSE Ticker | TATACAP | BSE code 544574 |
| Sector | Diversified NBFC | Per Univest sector classification |
| Last Close (NSE) | Rs 320.55 | 7 Oct 2026 close |
| 52-Week High | Rs 390.20 | CMP is 17.8% below |
| 52-Week Low | Rs 296.00 | CMP is 8.3% above |
| 1-Year Return | About -3% | Weekly close Rs 330.7 on 10 Oct 2025 to Rs 320.55 |
| Market Capitalisation | Rs 1,36,112 crore | Large cap NBFC |
| Trailing P/E | About 24.8x | Industry P/E about 17.83x |
| P/B Ratio | About 3.05x | Book value Rs 105.27 per share |
| EPS (TTM) | Rs 12.91 | Trailing twelve months |
| Return on Equity | About 10.6% | Debt to equity 5.15 |
| Dividend Yield | About 0.18% | Small dividend |
| 12-Month Target (Base Case) | Rs 292 to Rs 370 | Univest base case |
| Bull Case | Rs 456 to Rs 528 | +42.3% to +64.7% |
| Bear Case | Rs 168 to Rs 210 | -47.6% to -34.5% |
Track live price, fundamentals and results for Tata Capital on the Univest Screener.
How Did Tata Capital Perform in Q1 FY27?
Tata Capital reported Q1 FY27 consolidated profit after tax of Rs 1,547 crore, up 56 percent from Rs 990 crore and up 3 percent from the previous quarter. Net AUM reached Rs 2,90,502 crore, up 22 percent. Together these Q1 FY27 numbers anchor the Tata Capital share price target.
| Metric | Q1 FY27 | Context |
|---|---|---|
| Consolidated Profit | Rs 1,547 crore | Up 56% YoY; up 3% QoQ |
| Net AUM | Rs 2,90,502 crore | Up 22%; ex Motor Finance up 28% |
| Net Interest Income | Rs 3,571 crore | Up 25% YoY |
| Credit Cost | 1.0% | Against 1.6% a year ago |
| Gross Stage 3 | 1.9% | Net NPA 0.8% |
| Housing Finance Profit | Rs 532 crore | Up 29%; AUM Rs 89,416 crore |
Net total income rose 23 percent to Rs 4,455 crore and the cost to income ratio was 36.4 percent. Retail plus SME is 85.4 percent of net AUM, the Motor Finance book is being run down on purpose, and FY28 guidance includes AUM growth of 23 to 25 percent a year, PAT growth above 30 percent, ROA of 2.5 to 2.7 percent and ROE of 17 to 18 percent. The FY27 outlook from management is the main input for these estimates. These numbers sit behind every range in the scenario table above, so they anchor the Tata Capital share price target.
Why Is Tata Capital Share Price Down 18 Percent From Its High?
Tata Capital shares are about 18 percent below the Rs 390.20 high of the week of 3 August 2026 and about 3 percent below the close of its listing week in October 2025. The stock listed on 13 October 2025 on volume of 18.9 crore shares, rose to Rs 360 by January, and fell to Rs 296 in the week of 1 June.
It jumped 12.5 percent in the week of 15 June on 6.4 crore shares and 6.9 percent in the week of 27 July on Q1 results, then fell five weeks in a row from Rs 375 to Rs 313.55. It closed at Rs 320.55, 8 percent above the June low. The Tata Capital share price target scenarios below account for that move.
Key Catalysts for the Tata Capital Share Price Target in 2026
4 catalysts matter most for the Tata Capital share price target, and sector tailwinds in Diversified NBFC are part of the case. Together they decide whether the base case is reached.
1. AUM Growth
Net AUM grew 22 percent and 28 percent excluding Motor Finance. Disbursements rose 33 percent. If it plays out, the Tata Capital share price target moves toward the top of the base range.
2. Falling Credit Cost
Credit cost fell to 1.0 percent from 1.6 percent. This drove most of the 56 percent profit growth. Strength here would support the upper end of the Tata Capital share price target.
3. Housing Finance
TCHFL earned Rs 532 crore, up 29 percent, with net NPA of 0.3 percent. It is a high-quality earnings base. Delivery on this point keeps the Tata Capital share price target on track.
4. Gold Loans
The Yogloans acquisition adds a gold loan business, subject to approval. It widens the product range. Better news here would lift the Tata Capital share price target toward the bull case.
What Are the Key Risks to the Tata Capital Share Price Target?
The main risks are heavy borrowing, a premium multiple, unsecured loan stress and Motor Finance run-down. Each can pull the Tata Capital share price target lower.
High Borrowing
Debt to equity is 5.15. A rise in funding cost would squeeze margin. If it materialises, the Tata Capital share price target would slip toward the bear case.
Premium Multiple
The stock trades at 24.8 times earnings and 3 times book. A bear case EPS of Rs 14 at 12 times would put the price near Rs 168. This is the main downside risk to the Tata Capital share price target.
Unsecured Loan Stress
Unsecured retail is 10.3 percent of AUM and disbursed 50 percent more. Defaults there would lift credit cost. A worsening here would cut the Tata Capital share price target toward the low end of the range.
Motor Finance Run-Down
The Motor Finance book is falling by design. It trims AUM growth until it stabilises. Watch it closely, because it can pull the Tata Capital share price target lower quickly.
Tata Capital Stock Analysis: Support and Resistance Levels for the Share Price Target
Tata Capital stock analysis on weekly charts shows a range of Rs 313.55 to Rs 365 since mid-September, with the stock near the lower end.
The first support level is Rs 313.55 to Rs 316.60, the lows of the weeks of 28 September and 5 October. Below that, Rs 296 is the 52-week low of the week of 1 June.
The first resistance level is Rs 323.05 to Rs 338.45, the highs of the weeks of 5 and 28 September. Above that, Rs 352 to Rs 365 marks the highs of the weeks of 21 and 14 September. These levels come from weekly price action, are not trade recommendations, and frame the near-term Tata Capital share price target.
Tata Capital Share Price Target 2026, 2027 and 2030: Short, Medium and Long Term
Short-Term Tata Capital Share Price Target (3 to 6 Months)
In the near term the stock is likely to trade between Rs 314 and Rs 338. A close above Rs 338 would put Rs 352 in play, while a weekly close under Rs 313 would open Rs 296. The Q2 FY27 results are the main trigger. This range anchors the near-term Tata Capital share price target.
12-Month and 2027 Tata Capital Share Price Target
The 12-month target price is Rs 292 to Rs 370, valued on 15 to 19 times FY28 EPS of Rs 19.5. The range across scenarios runs from Rs 168 in the bear case to Rs 528 in the bull case.
Long-Term Tata Capital Share Price Target for FY29 to 2030
For FY29 to 2030 the Univest scenario range is Rs 360 to Rs 551. This assumes EPS of Rs 24 in FY29 and Rs 29 in FY30 and a multiple of 15 to 19 times. It needs AUM growth near 23 percent, credit cost under 1 percent and ROE to move toward the 17 to 18 percent target. This is the long-term Tata Capital share price target in the Univest scenarios.
Bull Case and Bear Case for Tata Capital Share Price Target
Bull Case Rs 456 to Rs 528
The bull case of Rs 456 to Rs 528 for the Tata Capital share price target needs EPS of Rs 24 and the market to pay 19 to 22 times for it. It is +42.3% to +64.7% from the last close.
Bear Case Rs 168 to Rs 210
The bear case of Rs 168 to Rs 210 for the Tata Capital share price target equals 12 to 15 times FY28 EPS of Rs 14 and sits below the Rs 296 low. It is -47.6% to -34.5% from the last close.
Is Tata Capital a Good Buy at Rs 321? Tata Capital Buy or Sell View
Whether Tata Capital is a buy at Rs 320.55 depends on horizon and risk appetite. The base case sits between 9 percent below and 15 percent above the current price, the stock is 18 percent below its high, and the open question is whether the premium holds. The Tata Capital share price target range is the starting point for that decision.
Long-term holders may focus on AUM growth, credit cost and ROE, and treat Rs 296 as the level to watch. Short-term traders may prefer to wait for a close above Rs 338. Check institutional holding in the September quarter filing for signs of accumulation or selling. Consult a SEBI-registered advisor before acting, since this Tata Capital buy or sell view is educational.
How to Invest in Tata Capital Shares
Step 1: Check the live price, valuation and the latest Tata Capital share price target range on the Univest Screener.
Step 2: Open a demat and trading account with a SEBI-registered broker such as Univest before acting on any Tata Capital share price target.
Step 3: Search for TATACAP on the NSE or 544574 on the BSE in your trading app.
Step 4: Place a limit order near your planned entry and size the position so a fall to Rs 168 is bearable.
Step 5: Track AUM growth, credit cost and Q2 FY27 results and set price alerts on the Univest App to follow any change in the Tata Capital share price target.
Conclusion
Tata Capital closed at Rs 320.55 against a Univest base case share price target of Rs 292 to Rs 370, a bull case of Rs 456 to Rs 528 and a bear case of Rs 168 to Rs 210. Q1 FY27 delivered profit up 56 percent and AUM up 22 percent with credit cost at 1.0 percent. The main risks are heavy borrowing, a premium multiple and unsecured loan stress.
The stock is 17.8 percent below its 52-week high, so the base case sits between 9 percent below and 15 percent above the current price. The triggers to watch are AUM growth, credit cost and Q2 FY27 results and the Rs 314 and Rs 338 levels. Re-check the Tata Capital share price target after each quarterly result. Investors with a long horizon and tolerance for volatility can track these triggers, while others may prefer to size positions carefully.
Download the Univest iOS App or Univest Android App to track Tata Capital live price and get daily stock recommendations.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Tata Capital Share Price Target 2026
What is the Tata Capital share price target for 2026?
Ans. The Tata Capital share price target for 2026 is Rs 292 to Rs 370 in the Univest base case, with a bull case of Rs 456 to Rs 528 and a bear case of Rs 168 to Rs 210. No brokerage target was available on the sources we track as of 7 October 2026, so these are Univest research scenarios. These are estimates and can change after the Q2 FY27 results.
What is the Tata Capital share price target for 2027?
Ans. The Tata Capital share price target for 2027 is Rs 292 to Rs 370 in the base case, valued on 15 to 19 times FY28 EPS of Rs 19.5. The scenario range runs from Rs 168 to Rs 528.
Is Tata Capital a good buy at Rs 320.55?
Ans. Whether Tata Capital is a good buy at Rs 320.55 depends on your horizon, risk appetite and how you read the Tata Capital share price target. Profit is growing 56 percent with improving asset quality and a Tata group backing, but borrowing is heavy and the multiple is above the industry. Consult a SEBI-registered advisor before investing.
What are the key risks to the Tata Capital share price target?
Ans. The key risks to the Tata Capital share price target are high borrowing, premium multiple, unsecured loan stress and motor finance run-down. Debt to equity is 5.15. A rise in funding cost would squeeze margin.
What are the key catalysts for the Tata Capital share price target?
Ans. The key catalysts for the Tata Capital share price target are aum growth, falling credit cost, housing finance and gold loans. Net AUM grew 22 percent and 28 percent excluding Motor Finance. Disbursements rose 33 percent.
Where can I track Tata Capital share price today and Tata Capital share price target updates?
Ans. You can track the live Tata Capital share price, results and any change to the Tata Capital share price target on the Univest Screener and the Univest App. Download the Univest iOS App or Univest Android App for research from SEBI-registered analysts.
What are Tata Capital’s 52-week high and low?
Ans. Tata Capital’s 52-week high is Rs 390.20 and its 52-week low is Rs 296.00, based on weekly NSE data. At Rs 320.55 the stock is 17.8 percent below the high and 8.3 percent above the low. Both levels frame the Tata Capital share price target.
How to buy Tata Capital shares?
Ans. Open a demat account with a SEBI-registered broker such as Univest, search for TATACAP on the NSE or 544574 on the BSE, and place a limit order near your entry price, using the Tata Capital share price target range as a guide. Size the position so a fall to Rs 168 is bearable, and check the live price on the Univest Screener first.