Tata Card

Gurugram, India Founded: 2006 • Age: 20 yrs Listed
Provides credit card services to consumers for financial transactions.
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About Tata Card

Tata Card is a publicly listed company based in Gurugram (India) founded in 2006. It provides credit card services to consumers for financial transactions. It operates on a B2C model. The company has 1,081 employees. Its website tatacard.com draws about 306 thousand monthly visits. Its Indian entity Sbi Cards And Payment Services Limited reported revenue of ₹20,708 Cr. Its focus areas include Banking, Credit Cards and Issuance. Similar companies include OneCard, Scapia and Uni Cards; 3 of its 3 listed similar companies have raised funding.

Company details

Tata Card, founded in 2006 in Gurugram, India, focuses on offering financial products and advice, banking, credit cards, and issuance. Provides credit card services to consumers for financial transactions. The company is dedicated to excellence, innovation, and customer satisfaction, ensuring sustainable practices and long-term success in its sectors.

  • Headquarters Gurugram, India
  • Employees 1,081
  • Stage Public
  • Sectors
    Financial Services
  • Website category Finance · Banking Credit and Lending
  • Email
    ••••••••
  • Website tatacard.com
  • Legal Name Sbi Cards And Payment Services Limited
  • Date of Incorporation 15 May, 1998
  • Jurisdiction New Delhi, Delhi, India
Operational Areas
Financial Services → Consumer and SME Loans
Key Metrics
  • Market Cap
    ₹55,671 Cr

    SBICARD · NSE

  • Share Price
    ₹585.00

    0.00% today

  • Revenue
    ₹19,901 Cr

    FY 2025-26 · +10.1% YoY

  • EBITDA
    ₹5,315 Cr

    Margin 26.7%

  • Net Profit
    ₹2,167 Cr

    FY 2025-26 · +13.1% YoY

  • P/E (TTM)
    20.2x

    P/B 3.1x

  • ROE
    14.7%

    ROCE 10.1%

  • Debt / Equity
    3.02

    Interest cover 59.3x

  • Employee Count
    1,081

Board of directors of Sbi Cards And Payment Services Limited (Tata Card)

Sbi Cards And Payment Services Limited is the primary company behind Tata Card. The boards of the 2 registered companies of Tata Card currently have 13 directors; the longest-serving is Shriniwas Yeshwant Joshi, appointed in 2020. 96 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Shriniwas Yeshwant Joshi
DIN 05189697
Director04 Dec 20205 yrs 11 moSbi Cards And Payment Services Limited
Ankur Verma
DIN 07972892
Director16 Jan 20233 yrs 9 moTata Unistore Limited
Gopal Asthana
DIN 06519877
CEO15 Jun 20233 yrs 4 moTata Unistore Limited
Ashwini Kumar Tewari
DIN 08797991
Nominee Director25 Jan 20242 yrs 9 moSbi Cards And Payment Services Limited
Challa Sreenivasulu Setty
DIN 08335249
Nominee Director22 Nov 20241 yr 11 moSbi Cards And Payment Services Limited
Salila Pande
DIN 10941529
Nominee Director01 Apr 20251 yr 7 moSbi Cards And Payment Services Limited
Vikram Singh
DIN 06686482
Company Secretary30 Apr 20251 yr 6 moTata Unistore Limited
Seshadri Narasimhan
DIN 10615258
Director30 Jun 20251 yr 4 moTata Unistore Limited
Renu Subhabrata Basu
DIN 03550920
Director28 Jul 20251 yr 3 moTata Unistore Limited
Rajnikant Patel
DIN 00003135
Director13 Aug 20251 yr 2 moSbi Cards And Payment Services Limited
Sivanandan Sajith
DIN 10669845
Additional Director09 Sep 20251 yr 1 moTata Unistore Limited
Anuradha Rao
DIN 07597195
Director13 Nov 202511 moSbi Cards And Payment Services Limited
Parvathy Vairava Sundaram
DIN 07005574
Director09 Dec 202510 moSbi Cards And Payment Services Limited

IPO & Listings of Tata Card

Tata Card is a publicly listed company on the NSE with ticker symbol SBICARD in India, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • Listed onNSE: SBICARD
  • Listed entitySbi Cards And Payment Services Limited
  • Exchange sectorFinance

Financials of Tata Card

Exchange-reported figures of Sbi Cards And Payment Services Limited, the listed company behind Tata Card (NSE: SBICARD).

Financial Highlights

FY 2025-26 · Standalone
Revenue
₹19,901 Cr
+10.1% YoY
EBITDA
₹5,315 Cr
-0.5% YoY
Profit After Tax
₹2,167 Cr
+13.1% YoY
Net Worth
₹15,726 Cr
+14.1% YoY
Total Assets
₹59,789 Cr
+1.8% YoY
Total Debt
₹44,064 Cr
-2.0% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue19,90118,07416,98613,67010,6799,3019,281
Revenue growth+10.1%+6.4%+24.3%+28.0%+14.8%+0.2%-
EBITDA5,3155,3435,5264,2272,7252,0772,663
EBITDA margin+26.7%+29.6%+32.5%+30.9%+25.5%+22.3%+28.7%
Profit before tax2,9132,5813,2323,0312,1721,3241,730
Net profit2,1671,9162,4082,2581,6179851,245
Net profit margin+10.9%+10.6%+14.2%+16.5%+15.1%+10.6%+13.4%
EPS (₹)22.7720.1425.3223.8717.1410.4713.26
Balance sheet
Total assets59,78958,72851,97540,94030,73524,19722,914
Net worth15,72613,78212,0849,8307,7536,3025,341
Total debt44,06444,94739,89131,11022,98217,89517,573
Cash & bank2,3202,7382,7301,3541,106720677
Net working capital(2,246)(2,214)(1,542)(1,381)(1,422)(933)(509)
Cash flow
Cash from operations493(2,140)(5,653)(6,671)(4,391)692(4,063)
Cash from investing245(2,491)(1,255)(921)(538)(997)(77.17)
Cash from financing(1,172)4,6878,4017,8245,0454323,923
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue5,1415,0414,9345,1274,9614,8774,6744,619
Revenue growth (YoY)+3.6%+3.4%+5.6%+11.0%+12.2%+11.9%--
Other income161165253226176158158148
Total expenses3,4363,5373,6253,7853,7423,4393,3203,372
EBITDA1,7041,5031,3091,3421,2191,4381,3541,247
EBITDA margin+33.2%+29.8%+26.5%+26.2%+24.6%+29.5%+29.0%+27.0%
Depreciation32.5430.5132.3233.8835.0135.03(1.69)48.76
Interest787745714785760813795829
Profit before tax1,046893816749600748719518
Tax268229207192155192184134

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 08 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Revenue5,1415,0414,9345,1274,9614,8774,6744,619
Revenue growth (YoY)+3.6%+3.4%+5.6%+11.0%+12.2%+11.9%--
Other income161165253226176158158148
Total expenses3,4363,5373,6253,7853,7423,4393,3203,372
EBITDA1,7041,5031,3091,3421,2191,4381,3541,247
EBITDA margin+33.2%+29.8%+26.5%+26.2%+24.6%+29.5%+29.0%+27.0%
Depreciation32.5430.5132.3233.8835.0135.03(1.69)48.76
Interest787745714785760813795829
Profit before tax1,046893816749600748719518
Tax268229207192155192184134
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue19,90118,07416,98613,67010,6799,3019,281
Revenue growth+10.1%+6.4%+24.3%+28.0%+14.8%+0.2%-
Other income806563498615623413471
Total expenses14,58712,73111,4609,4447,9537,2236,618
Employee cost661590570562473492468
EBITDA5,3155,3435,5264,2272,7252,0772,663
EBITDA margin+26.7%+29.6%+32.5%+30.9%+25.5%+22.3%+28.7%
Depreciation136147197164149123104
Interest3,0723,1782,5951,6481,0271,0431,301
Profit before tax2,9132,5813,2323,0312,1721,3241,730
Tax746664824772556339485
Net profit2,1671,9162,4082,2581,6179851,245
Net profit margin+10.9%+10.6%+14.2%+16.5%+15.1%+10.6%+13.4%
EPS (₹)22.7720.1425.3223.8717.1410.4713.26
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital952951951946943941939
Reserves & surplus14,77412,83011,1338,8846,8105,3594,402
Shareholders' funds (net worth)15,72613,78212,0849,8307,7536,3025,341
Secured loans27,10829,97426,79420,39314,18010,66410,475
Unsecured loans16,95614,97213,09710,7168,8027,2317,098
Total debt44,06444,94739,89131,11022,98217,89517,573
Total liabilities59,78958,72851,97540,94030,73524,19722,914
Assets
Gross block1,0631,0361,1951,068832596479
Net block219320542551439308311
Capital work in progress12.1110.1422.3122.6914.2410.0723.66
Investments6,3746,2353,5192,1401,2979581.46
Inventories0.000.000.000.000.000.000.00
Sundry debtors28323624314216881.5254.45
Cash & bank balances2,3202,7382,7301,3541,106720677
Loans & advances1,6901,6291,6811,7281,2171,0811,152
Total current assets4,2924,6034,6543,2252,4921,8831,884
Total current liabilities6,5396,8176,1964,6063,9132,8162,393
Net working capital(2,246)(2,214)(1,542)(1,381)(1,422)(933)(509)
Total assets59,78958,72851,97540,94030,73524,19722,914
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash2,5382,482990758643516734
Net cash from operating activities493(2,140)(5,653)(6,671)(4,391)692(4,063)
Net cash from investing activities245(2,491)(1,255)(921)(538)(997)(77.17)
Net cash from financing activities(1,172)4,6878,4017,8245,0454323,923
Net change in cash(434)55.481,492232115127(218)
Closing cash2,3202,7382,7301,3541,106720677
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+10.1%+6.4%+24.3%+28.0%+14.8%+0.2%-
EBITDA growth-0.5%-3.3%+30.7%+55.1%+31.2%-22.0%-
PBT growth+12.9%-20.2%+6.6%+39.5%+64.1%-23.5%+29.6%
Net income growth+13.1%-20.4%+6.6%+39.7%+64.2%-20.9%-
Revenue CAGR (3Y)+13.3%+19.2%+22.2%+13.8%+15.0%+21.4%+40.5%
EBITDA CAGR (3Y)+7.9%+25.2%+38.6%+16.7%+8.6%+12.0%+39.5%
Profitability & leverage
Net income margin+10.9%+10.6%+14.2%+16.5%+15.1%+10.6%+13.4%
Return on capital employed+10.1%+10.4%+12.5%+13.1%+11.7%+10.1%+15.1%
Return on net worth+14.7%+14.8%+22.0%+25.7%+23.0%+16.9%+27.9%
Debt / equity3.023.283.243.082.913.053.49
Long-term debt / equity1.081.091.091.060.930.840.89
Interest cover59.3161.1748.7040.5539.8753.3950.83
Efficiency & per share
Fixed asset turnover19.7316.7015.4515.0415.8318.0726.25
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover79.8677.8990.7791.9890.42142.8895.95
EPS (₹)22.7720.1425.3223.8717.1410.4713.26
Dividend per share (₹)2.502.502.502.502.500.001.00
Book value per share (₹)165.25144.86127.07103.9082.2066.9756.88

Similar companies to Tata Card

Tata Card has 3 listed similar companies in our database, 3 of them funded. They include OneCard, Scapia and Uni Cards.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
OneCard
getonecard.app2019Pune, India$262.1M954
Provider of metal credit cards with a mobile application interface
Scapia
scapia.cards2022Bengaluru, India$72.1M122
Travel rewards credit card and booking platform are provided.
Uni Cards
uni.cards2020Bengaluru, India$104.11M211
A gold rewards credit card program is provided for users.
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Web traffic of Tata Card

The website of Tata Card (tatacard.com) receives about 306.4K visits a month and ranks #145,706 among all websites worldwide, #9,059 in Banking Credit and Lending.

  • Monthly visits
    306.4K

    ▲ 20.5% vs previous month

  • Unique visitors
    78.8K

    per month

  • Global rank
    #145,706

    among all websites

  • Category rank
    #9,059

    Finance · Banking Credit and Lending

Similar websites

Websites whose visitors overlap most with Tata Card. Affinity shows how closely the audiences match.

WebsiteDomainAudience affinityMonthly visitsGlobal rankProfile
SBI Card
sbicard.com
70%
13.6M#4,327View details
Tata Motors Finance
tmf.co.in
44%
30.2K#897,035View details

Top companies in Consumer and SME Loans

3 companies that operate in the same segment as Tata Card (Consumer and SME Loans) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
Manappuram Finance
Consumer and SME loans are provided by Manappuram Finance.
1992Valapad, Kerala, IndiaUSD 39.98 MUSD 1.01 B51,650
HomeFirst Finance
Affordable home loans are extended to low and middle-income groups.
2010Mumbai, Maharashtra, IndiaUSD 209.7 MUSD 204.93 M1,634
L & T Finance Holdings
Diversified lending services are provided as a non-banking financial institution.
1994Mumbai, Maharashtra, IndiaUSD 1.9 B167
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Related news about Tata Card

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Frequently Asked Questions about Tata Card

Tata Card was founded in 2006.

Tata Card is headquartered in Gurugram, India. It is registered at Gurugram, Haryana, India.

Tata Card has 1,081 employees.

The primary company behind Tata Card, Sbi Cards And Payment Services Limited, reported revenue of ₹20,708 Cr for FY 2026, up 10% year on year.

Tata Card, founded in 2006 in Gurugram, India, focuses on offering financial products and advice, banking, credit cards, and issuance. Provides credit card services to consumers for financial transactions. The company is dedicated to excellence, innovation, and customer satisfaction, ensuring sustainable practices and long-term success in its sectors.

Tata Card's top competitors include OneCard, Scapia and Uni Cards.

Yes, Tata Card is publicly traded on NSE under the ticker symbol SBICARD.

Tata Card is associated with 2 legal entities: Sbi Cards And Payment Services Limited, Tata Unistore Limited.

The legal entities of Tata Card currently have 17 directors, including Shriniwas Yeshwant Joshi, Rashmi Mohanty, Payal Mittal Chhabra and others.

The website of Tata Card receives about 306 thousand visits a month and ranks #145,706 among all websites worldwide.

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