Reaching new heights. By doing whats right.

Corporate Presentation

The Tatas

Group Purpose

Attain leadership through business excellence in the sectors we operate in, while upholding our values and integrity, to improve the quality of life of the communities we serve.

Visionaries

With honest and straightforward business principles, close and careful attention to details, and the ability to take advantage of favourable opportunities and circumstances, there is a scope for success.

The Cycle is complete: what came from the People has gone back to the People many times more.

Jamsetji Tata, Founder Tata Group (1839 1904)

Jehangir Ratanji Dadabhoy Tata (1904-1993)

Group Values
Integrity: We must conduct our business fairly, with honesty and transparency. Everything we do must stand the test of public scrutiny. Understanding: We must be caring, show respect, compassion and humanity for our colleagues and customers around the world, and always work for the benefit of the communities we serve. Excellence: We must constantly strive to achieve the highest possible standards in our day-to-day work and in the quality of the goods and services we provide. Unity: We must work cohesively with our colleagues across the group and with our customers and partners around the world, building strong relationships based on tolerance, understanding and mutual cooperation. Responsibility: We must continue to be responsible, sensitive to the countries, communities and environments in which we work, always ensuring that what comes from the people goes back to the people many times over.

The Tatas

Indias largest business group Diverse business in 7 sectors Operations in over: 80 countries Products and services exported to: 85 countries Largest employer in private sector: 4,50,000 employees Group revenue (FY2012): $100.09bn International Share (FY2012): 58% Listed Companies: 32 publicly listed Tata companies Market Capitalization : More than 94.51bn (Feb 2013)

Pioneering a Nations Future

Tata Group The Way Forward

Welcome to a world of financial offerings

Overview
Tata Capital Limited A subsidiary of Tata Sons Limited Registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers A trusted and customer-centric, one-stop financial services provider catering to the diverse needs of retail, corporate and institutional customers. Headquartered in Mumbai and has a wide network of over 100 branches across key cities in India Subsidiaries in London and Singapore

The company is having a valid Certificate of Registration dated 10/05/ 2012 issued by the Reserve Bank of India under Section 45-IA of the Reserve Bank of India Act, 1934. However the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for discharge of liability by the company. Neither is there any provision in law to keep, nor does the company keep any part of the public funds with the Reserve Bank and by issuing the Certificate of Registration to the Company, the Reserve Bank neither accepts any responsibility nor guarantee for the payment of the public funds to any person/body corporate.

Corporate Structure

Our Vision
The most admired financial solutions partner.

Our Mission
Our philosophy is rooted in the Tata Groups core values: Integrity, Understanding, Unity, Excellence and Responsibility. To exemplify these core values in the financial sector and become the leading financial solutions partner in India, with a global footprint. To become a pioneering and forward-looking organization that is collaborative, nimble, innovative and responsive to the changing financial needs of our clients. To be a reliable and a result-oriented custodian of our clients finances. To create an amicable atmosphere of collaboration, understanding and unity. To ensure happy, motivated and engaged employees. To be trusted, admired and respected amongst all our stakeholders: clients, employees, regulators, shareholders and the community at large. To achieve our vision by only doing what's right.

We only do whats right for you

Tata Capital brings the trust and expertise of the Tatas to an economically and socially relevant sector like financial services The essence of brand Tata Capital is encapsulated in our brand proposition We only do whats right for you or Karein wahi jo aapke liye sahi We seek to build strong relationships with our customers and deliver superior and consistent customer experience across all products and touch-points

We Choose
We believe that our choices make us who we are; and at Tata Capital:
We choose to put our customers interest above ours, and fulfill their needs. We choose to use our expertise to get the best results for our customers. We choose to innovate and come up with new ways to fulfill our customers needs. We choose to make promises we can keep, and keep the ones that we have made. We choose to believe that we enrich our customers, and not just make them rich. We choose to be humble and courteous with everyone who walks through our doors. We choose to respect our customers and colleagues, and in turn gain their respect. We choose to earn our stakeholders trust and not just expect it. We choose to let not just our expertise, but also our conscience lead us. We believe our choices make us who we are. So we choose to do only what is right. And nothing less.

Corporate Sustainability
Corporate sustainability is a cornerstone for business operations Socially responsible corporate citizen and a socially committed organization Make sincere efforts to protect the interests of all our stake holders and contribute to society Four focus areas under the Tata Capital Corporate Social Responsibility Policy- Livelihood & Employment, Health, Education & Environment

Offerings
Tata Capitals range of offerings caters to the diverse financial requirements of its retail, corporate and institutional customers.

Commercial Finance

Foreign Exchange

Infrastructure Finance

Travel Related Services

Investment Banking

Tata Capital
Tata Cards

Private Equity

Home Loans

Securities

Consumer Loans

Wealth Management

A Unique Customer Centric Business Model

Tata Capital aims to build itself as a customer centric organization, with the capability to offer a comprehensive suite of products and services to retail, corporate and institutional customers Reinforcing this commitment towards customer centricity, we have created a unique common sales and service structure - a one stop shop for the customer, servicing his entire financial requirements through a single window At the heart of this unique model lies the concept of presenting a one-point interface to the customers through which all their financial needs get serviced

Consumer Finance & Advisory Business

Consumer Finance and Advisory Business (CFAB) offer a diverse mix of Retail offerings in the areas of Consumer Finance and Investment Advisory services These include: Auto Loans, Personal Loans, Business Loans, Education Loans, Loans against Property, Loan against Shares# At the heart of CFAB lies strong front end and back end integration to offer a single window interface to the customer where the customer has a single Relationship Manager cutting across product lines Our key differentiator, is providing the right advice based on a deeper understanding of customer's needs

#Currently available in select cities only. Originated and serviced by Tata Capital Financial Services Limited.

Wealth Management
Whether it is selecting the right investment opportunity, growing a financial portfolio or building a retirement nest, our Wealth Management team guides our customers at every step Backed with strong research capabilities and a deep understanding of our customers, our team helps recommend and execute a customized financial strategy that is just right for our customers The spectrum of offerings includes, Investment Advisory services and market third party investment products like Portfolio Management Services, Private Equity/ Venture Capital Funds, Structured Products, Mutual Funds, Fixed Deposits and Bonds

Originated and serviced by Tata Capital Financial Services Limited.

Commercial Finance
With its wide array of products and customized service, our commercial finance business, helps small, medium and large corporates grow their business Our team of handpicked professionals offers in-depth expertise to help customers keep pace with the changing marketplace and offer them appropriate solutions to meet their ever-growing financial needs Our range of offerings includes Term Loans, Working Capital Loans, Channel Finance, Bill Discounting, Promoter Funding and Structured Products

Originated and serviced by Tata Capital Financial Services Limited.

Infrastructure Finance
Our Infrastructure Finance business caters to the specialized needs of the infrastructure sector With an array of attractive finance options to suit the varying needs of its customers, both large and small and backed by a reputation of reliability and trust, it brings a promise of quality and world-class service Our range of offerings includes Equipment Finance, Project Finance, Equipment Rentals, Refinance, Top Up Loans and Loan Syndication

Originated and serviced by Tata Capital Financial Services Limited.

Investment Banking
Tata Capital Investment Banking services help Institutions and Corporates manage and grow their business via high quality financial advisory services and capital market solutions Our team of dedicated and experienced professionals understands the needs of its customers and offers them costeffective solutions from a bouquet of services comprising M&A Advisory, PE Syndication and Debt and Equity Capital Market services*

* Brought to you by Tata Securities Limited (TSL), a wholly-owned subsidiary of Tata Capital Limited. TSL holds a Category I Merchant Banking license from the Securities and Exchange Board of India.

Private Equity
Tata Capital Limited and its subsidiaries advice and manage multiple Private Equity Funds with AUM of over USD 900 million. Funds backed by marqee domestic and global investors Highly talented, dedicated fund teams with relevant experience and track record professionals based in India, Singapore and London Deployed over USD 150 million in private equity transactions across sectors and stages Strong focus on value addition at portfolio companies Bouquet of Private Equity Funds include: Tata Opportunities Fund, Tata Capital Growth Fund; Tata Capital Innovation Fund; Tata Capital Healthcare Fund and Tata Capital Special Situations Fund

Securities
Tata Securities Limited*, a wholly owned subsidiary of Tata Capital Limited, offers, both institutional and retail customers, quality products and services like equity trading, depository services and research. With a strong research and execution team, and uncompromising ethical standards, Tata Securities strives to work in the interest of its customers and has successfully built a franchise of strong relations

*Tata Securities Limited, a wholly owned subsidiary of Tata Capital Limited. Registered Office: One Forbes, Dr. V. B. Gandhi Marg, Fort, Mumbai 400 001. Board No: +91 22 6745 9000. Fax: +91 22 66378379. Member of Bombay Stock Exchange Limited. SEBI Regn. Nos. INB010664150 & INF011207954. Member of National Stock Exchange of India Limited. SEBI Regn Nos. INB/F/E 231288730 Depository Participant of CDSL. SEBI Regn. No. IN-DP-CDSL-450-2008. Depository Participant of NSDL. SEBI Regn. No. IN-DP-NSDL-298-2008. Portfolio Manager. SEBI Regn. No. INP000003872. ARN 0021 Distributors of IPO and Mutual Funds.

Tata Cards
The Tata Card* combines the convenience of a powerful credit card with a rewarding membership to the Empower program The credit card allows customers to earn points and the Empower program, India's first multi-brand loyalty program, offers them the advantage of redeeming these points across several loyalty programs

*Marketed by Tata Capital Financial Services Limited. Tata Card is a White Label Card issued, operated and serviced by the State Bank of India.

Forex & Travel Related Services

Our wide range of Foreign Exchange Services* include traveler cheques, foreign currency notes, foreign currency denominated prepaid travel cards, inward money transfer service and other associated travel related products like travel insurance, prepaid calling cards Our travel related services** help cater to a range of travel needs from planning customized holiday packages for individual customers to group travel arrangements for corporate customers Our wide range of services includes Airline ticketing, Visa and passport facilitation, Hotel accommodation and Cars-hire and surface transport

* brought to you by TT Holdings & Services Limited, a wholly-owned subsidiary of Tata Capital Limited ** brought to you by TC Travel and Services Limited, a wholly-owned subsidiary of Tata Capital Limited

International Business
Tata Capital Pte. Limited (TCPL), Singapore is a wholly-owned subsidiary of Tata Capital Limited. TCPL offers Corporate Advisory, Debt and Equity Capital Markets, Offshore Desk for Securities & Wealth Management Tata Capital Markets Pte. Limited and Tata Capital Advisors Pte. Limited are 100% subsidiaries of TCPL and are in the areas of capital markets and private equity respectively Tata Capital Plc Limited, London is a wholly-owned subsidiary of Tata Capital Pte Limited Tata Capital Plc Limited offers Corporate Finance, raising finance (Debt and Equity) and Risk Advisory and acts as an intermediary for sourcing institutional clients in UK

Capital Structure
The paid-up Share Capital of Tata Capital Limited as on 31st March 2012 is Rs. 2551.02 crore Tata Sons Limited directly and indirectly owns 90.22% of the Equity Share Capital, 1.98% is held by Tata Capital Limited Employee Welfare Trust, and 7.80% is held by Others

Financial Heights
Tata Capital Limited is a fast expanding financial services provider and has made strong progress during the initial years of business

FY 2011 - 2012 Book Size Total Advances Net Worth

(Rs. Crore)
23,005

21,212 2,832

Tata Capital Managing Committee

Praveen P Kadle | Managing Director & Chief Executive Officer Govind S Sankaranarayanan | Chief Financial Officer & Chief Operating Officer Corporate Affairs Pradeep C Bandivadekar | Chief Operating Officer, Corporate Finance R. Vaithianathan | Managing Director, Tata Capital Housing Finance Limited & Head - Consumer Finance and Advisory Business Amar Sinhji | Head - Human Resources

Our Strategic Alliances

With International Finance Corporation (IFC), a member of World Bank Group to form Tata Cleantech Capital Limited (TCCL) to assist, via lending and advisory services, small, mid-sized and even large companies to promote clean technology.

With AIMIA (formerly Groupe Aeroplan) - the Canadian Loyalty Marketing giant to launch a global multi-party coalition loyalty program in India.

With Mizuho Securities Co. Ltd. to foster business cooperation in private equity, investment banking including cross border mergers and acquisitions, securities business including broking and distribution, structured finance and other business areas such as wealth management.

With Mizuho Corporate Bank Limited (MHCB) to foster business cooperation, enhancing cross-market value creation capabilities, strengthening competitive advantages in addition to aiding each other in gaining a deeper understanding of the Indian and Japanese markets. As part of the understanding, Tata Capital and MHCB will cooperate in a wide-range of business areas. Some of these include Ninja Loans, Project and Infrastructure Finance and Treasury Products.

With Mitsubishi UFJ Securities Co., Limited to establish a basis of cooperation in a wide range of strategic business areas that include cross-border investment banking, global offering of Indian equities and working towards development of the local bond market.

With Century Tokyo Leasing Corporation to provide leasing solutions for the growing equipment leasing services market in India

Talk to Us
For any queries regarding our products and services, or for any other assistance, do reach us at: contactus@tatacapital.com or call us at 1800-209-6060. You may also write to us at: Tata Capital Limited One Forbes | Dr. V B Gandhi Marg | Fort | Mumbai -400 001 Board Line: +91 22 6745 9000 | Fax: +91 22 6610 6722

Tata Capital Pte. Ltd. #19/01 AXA Tower | 8, Shanton Way | Singapore - 068 811 Land phone: +65 6592 0981 | Fax: +65 6324 0955

Tata Capital Plc. 30 Millbank | London | SW1P 4WY | UK Board Line: +44 20 7975 8382 | Fax: +44 20 7975 8381

Registered Office: One Forbes, Dr. V B Gandhi Marg, Mumbai 400 001, India | +91 22 6745 9000 | www.tatacapital.com

Disclaimer
This presentation can not be copied and/or disseminated in any manner This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No representation or warranty, expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein The information contained in this presentation is only current as of its date Certain statements made in this presentation may not be based on historical information or facts and may be forward looking statements, including those relating to the Companys general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment The Forward Looking Statements contained in this presentation speak only as of the date of this presentation, and hence and it may not reflect the current views of TCL . Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Companys business, its competitive environment and political, economic, legal and social conditions in India Given these uncertainties, readers/viewers are cautioned not to place undue reliance on such Forward Looking Statements, and should rely entirely on their own independent enquiries, investigations and advice regarding any information contained in this presentation. Any reliance placed by a reader/viewers on the information contained in this presentation is wholly at their risk. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes No part of this material shall be copied or duplicated in any form by any means, or redistributed. Copyright of presentation solely and exclusively belongs to Tata Capital Ltd, and regardless of the purpose, any reproduction and/or use of this presentation in any shape or form without the prior written consent of Tata Capital Ltd is strictly prohibited.