Let our expertise help you build a success story.

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1 Let our expertise help you build a success story.

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3 About Tatas The Tatas are one of the most respected and well known business conglomerates in India. The group comprises of more than 90 companies with combined revenue of more than $ billion, operating across 7 business sectors with presence in more than 80 countries across 6 continents. With a legacy of trust of over 140 years, the Tatas defining values are Integrity, Understanding, Unity, Excellence and Responsibility. Tata Capital aims to exemplify the Tatas core values through its brand promise We only do what s right for you. The promise reflects our strong resolve to deliver financial solutions that are right for our customers and the society at large. We seek to build strong relationships with customers via deep understanding of their needs, strong financial expertise and the delivery of superior and consistent customer experience across all touch-points.

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5 Tata Capital Infrastructure Finance The world of infrastructure is becoming increasingly complex and dynamic, throwing up demanding requirements. The most critical factor for delivering a successful project is a partner who is not only a reliable source of finance, but also an expert who understands the complexity of infrastructure projects. India s ongoing infrastructure boom makes the need for such a partner all the more critical. Tata Capital Infrastructure Finance is equipped to handle all your infrastructure financing needs. We bring to you the largest bouquet of Infrastructure Finance products, backed by unmatched expertise and thorough industry knowledge. Moreover, we cater to the entire value chain of the industry right from large corporates to vendors & dealers to end consumers. Whatever the scale and type of projects and customers needs, we are geared to provide a suitable solution that displays the Tata promise of quality, world-class service, reliability and trust.

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7 Our product portfolio Our team of experts offers an ever-expanding and flexible array of solutions that cater to all the needs of the growing infrastructure sector. No matter what the scale of your operations and needs, no matter what the scale and type of the project, you get a financial solution that places your project on the fast track to successful completion. Our product portfolio is classified into three categories: Construction Equipment Finance Equipment Solutions Project Finance All of our solutions come with attractive schemes and features which include: Up to 90% finance* Up to 60 months repayment tenure* Competitive rate of Interest Structured repayment options Simple documentation Quick processing time Services at your door step Dedicated relationship managers *Funding percentage and tenure is decided at the sole discretion of Tata Capital Financial Services Limited.

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9 Construction Equipment Finance We finance the entire range of construction equipment - from excavators, loaders, backhoes, wheel loaders, dozers and motor graders to material handling equipment such as cranes, reach stackers, small and large crushers. Besides these, we also finance road construction equipment like vibratory compactors, pavers, HMPs, senor pavers, and more. New equipment finance: New equipment for any project requires a sizeable investment. That s why we have New Equipment Finance loans from Rs. 1 lakh to Rs. 25 crores with flexible repayment options and attractive schemes. Used Equipment / Re-finance: Sometimes, used machines are required for your current or upcoming projects. Tata Capital gives you finance facility on these machines. With our balance transfer facility on the equipment, you can transfer your existing loans with other financers to Tata Capital. Top Up loans: We offer you top up loans on your running loans with us, where 50% EMIs have been paid by you. With an attractive rate of interest, we help you encash the investment locked in the asset. Now you can fulfill your financial requirements with our Top Up loans. Term loans: You can avail of short term working capital loans of up to Rs. 10 crores at floating interest rates. Our relationship managers help identify the exact requirement of your business and provide you with a suitable term loan product. Dealer and OEM funding: Our bouquet of services for dealers and OEMs is not limited only to inventory funding but also covers funding for their own infrastructural developments. We also cater to their ad hoc financial requirements emerging out of exigencies.

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11 Equipment Solutions As a user of various construction and mining machinery, you require a complete range of equipment solutions. With Tata Capital you can customise your requirements in terms of financing, leasing, remarketing of used equipment and specialised solutions such as buyer s credit and ECS. Construction equipment leasing: We provide customised solutions with various offerings such as Finance Lease, Operating Lease, Hire Purchase, Sales and Leaseback for all kinds of equipment and specialised machines. As our customer, you get full use of the equipment for a pre-decided tenure. Construction Equipment rentals: Machines like large excavators, piling rigs, 200T cranes and large dumpers are available on a monthly rental basis. The equipment is owned, operated and maintained by us, freeing you of the day-to-day operational worries. You can now avoid the heavy investments and utilise the machines for as long as you need them. Large Equipment Finance: Purchase of specialised and high value equipment like barges and TBMs may result in blockage of your capital. At Tata Capital, our expert team will work with you to understand your requirement and draw up customised financial solutions in the form of loans, leases, external commercial borrowings, buyer s credit and letter of credit. We also arrange Full Maintenance Contracts (FMCs) with the Original Equipment Manufacturers (OEMs) associated with us. Asset Remarketing: We provide both buying and selling solutions for old equipment. We also assist you with refurbishing your old equipment through OEMs before selling, as well as purchasing refurbished equipment from the market.

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13 Project Finance Be it an entirely new project, expansion of an existing business, short term funds requirement or funding for working capital in an existing business, the Project Finance team works along with you to provide customised solutions for your business. Term loans: We offer Term Loans (Short term / Long term) for establishing new industrial and infrastructure projects as well as for expansion, diversification and modernisation of existing infrastructure projects. Project Debt: With an in-depth understanding about the long tenure, unique structure of staggered disbursement and structured repayments, our team of experts will find the best debt solution for your project. Structured Financing: We understand the dynamics of the infrastructure business in terms of its cyclic nature, seasonality, payments and receipts in bulk. With this insight, we supply products and structures that match the requirements of your business. Working Capital Finance: Every project requires a free flow of working capital to achieve its business objectives in a stipulated time frame. Tata Capital provides this required working capital to meet your day-to-day financial needs.

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15 Project Finance Invoice Discounting / Factoring: Tata Capital s Invoice Discounting / Factoring team facilitates discounting of supplies for large Infrastructure, Telecom or Logistics projects. This allows you access to funds at competitive rates of interest. Additionally, minimum paperwork and quick transaction delivery makes this an ideal way to meet your working capital needs. Loan Against Shares: Promoters and holding companies can avail of financial solutions against security of their shares in listed entities, which can be used for various purposes including business expansion, strategic acquisition, refinancing and so on. Vendor Financing: We offer finance solutions like working capital loans, term loans, trade advance, bill discounting, equipment finance, facility enhancing, etc. for Small & Medium Enterprises (SMEs) and Medium SMEs (MSMEs) who are ancillaries to infrastructure OEMs. Syndication and Advisory Services: Our Debt Syndication service encompasses funding activities for diverse business requirements. We assist corporates to leverage on debt as an instrument to raise capital through structured financial products for various requirements including greenfield projects, expansions, working capital and in structuring and syndicating funds for acquisitions. This enables an uninterrupted flow of funds and is a one-point contact for all your debt requirements. We also have advisory services for experienced insights on improving the health and performance of your business.

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17 Growing to new heights Tata Capital Infrastructure Finance s expertise and ingenuity has helped it register phenomenal growth and impressive numbers in a very short time. In the five years since the inception in 2007, the infrastructure finance division has increased its book size to Rs. 5,925 crores, setting a staggering benchmark for all players in the industry. We have grown to have a presence in more than 250 locations across the country, with booking of steady profits every year. Further, we finance construction equipment of most key original equipment manufacturers and we enjoy a market share of 10% in this segment. Our ever-expanding offerings and initiatives have made us the leading finance provider in the construction equipment funding segment in Our deal with Japan-based Century Tokyo Leasing Corporation to lease heavy equipment is on track to create assets worth Rs. 2,500 crores over the next five years. Our customer base has exponentially grown to more than 15,000 and counting, thus being one of the best indicators of our growth and quality of services.

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19 Our other offerings Commercial Finance Our Commercial Finance business aids small, medium and large businesses. Our range of offerings includes Term Loans, Working Capital Loans, Channel Finance, Equipment Finance, Lease Rental Discounting, Bill Discounting, Letter of Credit* and Bank Guarantee*. * Offered through arrangement made with select banks. CleanTech Finance Tata Capital CleanTech Limited (TCCL) is a joint venture between Tata Capital Limited and International Finance Corporation (IFC), a member of the World Bank Group. TCCL is a focused initiative to assist, via financing and advisory services, companies that promote clean technology. Private Equity Tata Capital Private Equity is focused on identifying growth areas and potential companies, and supporting them via infusion of funds, strategic direction and managerial and other support. Investment Banking Tata Securities Limited (TSL) #, a wholly owned subsidiary of Tata Capital offers a bouquet of Merchant Banking services, including equity capital markets transaction execution, underwriting, mergers and acquisitions advisory, private equity advisory and infrastructure advisory. # Tata Securities Limited is a wholly owned subsidiary of Tata Capital Limited. Securities TSL also offers both institutional and retail customers quality products and services like equity broking and research.

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21 Our other offerings Home Loans* Tata Capital Housing Finance Limited is a wholly owned subsidiary of Tata Capital Limited, offering long-term lending for housing purposes. Its product range includes loans for purchase and construction of a residential unit, purchase of land, home improvement loans, home extension loans and loans against property. *Home Loans are originated, serviced and booked by Tata Capital Housing Finance Limited. Consumer Loans # Our wide range of Consumer Loans includes Auto Loans, Personal Loans, Business Loans, Education Loans, and Loans Against Securities. # All loans at the sole discretion of Tata Capital Financial Services Limited. Travel Related Services Tata Capital Travel and Services Limited, a wholly-owned subsidiary of Tata Capital Limited, offers a wide range of services that includes airline ticketing, visa and passport facilitation, booking hotel accommodation, car hire and surface transport. Foreign Exchange TT Holdings & Services Limited, a wholly owned subsidiary of Tata Capital Limited, offers travel related foreign exchange products and services including traveler s cheques, foreign currency notes, foreign currency denominated pre-paid travel cards, arrangement for inward money transfer service and other associated travel related products.

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23 Our other offerings Wealth Management Under Tata Capital Wealth Management, dedicated wealth managers work closely with customers and hand-hold them in managing their investments and wealth. At Tata Capital, we constantly endeavour to provide you end-to-end financial solutions for your diverse needs. Tata Cards The Tata Credit Cards* combine the benefits of a globally accepted Credit Card with a rewarding membership program. An ever-growing alliance of leading brands, superior reward programs and exclusive privileges make the Tata Card an ideal choice for a discerning customer. *Tata Card is a white label credit card which is issued, operated and serviced by SBI Cards and Payment Services Pvt. Ltd., and marketed and distributed by Tata Capital Financial Services Limited.

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25 Championing Synergies Tata Capital s alliances and partnerships are based on and are an extension of the company s core objectives and values, and are geared towards providing an ever-expanding bouquet of best services. We have partnered with a number of companies including: International Finance Corporation (IFC), a member of World Bank Group, to form Tata CleanTech Capital Ltd. It provides financing and advisory services to SMEs and large corporates in India, in the area of clean technology. Century Tokyo Leasing Corporation, Japan, to offer a spectrum of leasing solutions across diverse industries. Mizuho Securities Co. Ltd, to foster business cooperation in business areas like private equity and investment banking. Mizuho Corporate Bank Ltd, to enhance cross-market value creation capabilities in the Indian and Japanese markets. Mitsubishi UFJ Securities Co. Ltd, to establish business co-operation in cross-border investment banking, global offering of Indian equities, and development of the local bond market. Aimia, to launch a multi-party coalition loyalty program in India.

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