Reaching new heights. By doing whats right.

Tata Capital
Corporate Presentation

The Tatas

Group Purpose

Visionaries

In a free enterprise, the community is not just another stakeholder in the business but in fact the very purpose of its existence Jamsetji Tata, Founder Tata Group (1839 1904)

The Cycle is Complete; what came from the People has gone back to the People, many times over. Jehangir Ratanji Dadabhoy Tata (1904-1993)

Tata Values

The Tatas

Indias largest business Group Diverse businesses in 7 sectors Operations in over 80 countries Products and services exported to over 85 countries Largest employer in private sector over 3,50,000 employees Group revenue FY 2009: Rs 325,334 cr / $ 70.8 bn International income FY 2009: 64.8% of Group revenue

Pioneering a Nations Future

The Tatas Today Market Value

Tatas The Way Forward

Welcome to a new world of financial offerings

Tata Capital

About Tata Capital

Tata Capital Limited A subsidiary of Tata Sons Limited Registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC) A trusted and customer-centric, one-stop financial services provider caterIng to the diverse needs of retail, corporate and institutional customers through a range of offerings, directly or through its subsidiaries. Also setting foot in the overseas markets with registered offices of its subsidiaries in Singapore and London. Aims to bring the trust and expertise of the Tatas to the world of financial services.

Corporate Structure

Tata Sons Limited

Tata Capital Limited Tata Capital Markets Limited Tata Capital Housing Finance Limited TT Holdings & Services
Limited

Tata Securities Limited

TC Travels & Services Limited

Tata Capital Pte Limited Singapore Tata Capital Markets Pte Limited Singapore

Tata Capital plc London

Tata Capital Advisors Pte Limited Singapore

Vision
Our philosophy is rooted in the Tata Groups core values: Integrity, Understanding, Unity, Excellence and Responsibility.

It is our vision to exemplify these core values in the financial sector and become the leading financial services company in India with a global footprint.

We aspire to become a pioneering and forward-looking organization that is collaborative, nimble, innovative and responsive to the changing financial needs of our clients. We strive to be a reliable and a result-oriented custodian of our clients finances. We seek to create an amicable atmosphere of collaboration, understanding and unity, to ensure happy, motivated and engaged employees.

We seek to be trusted, admired and respected amongst all out stake holders, customers, employees, regulators, share holders and the community at large.

We wish to achieve our vision by only doing whats right.

We only do whats right for you

The essence of brand Tata Capital is encapsulated in our brand proposition We only do whats right for you' The proposition 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.

Brand Charter
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
We at Tata Capital believe that corporate sustainability is a cornerstone for business operations. Tata Capital is a socially responsible corporate citizen and a socially committed organization. We have always made sincere efforts to protect the interests of all our stakeholders and contribute to society. With a view to make a meaningful and positive contribution, we have identified four key areas of work - Livelihood & Employability, 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

Investment Banking

Travel Related Services

Private Equity

Tata Capital
Tata Cards

Infrastructure Finance

Consumer Loans Wealth Management

Securities

17

A Unique Customer Centric Business Model

Tata Capital aims to build itself into a customer centric organization and thus supports a front end which is truly based on customer convenience. All products and services of Tata Capital are offered to the Retail, Corporate and Institutional customers via a unique common sales and service structure - a one stop shop for the customer, servicing his entire financial requirements through a single window.

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 indepth 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, Equipment Finance, Lease Rental Discounting, Bill Discounting Letter of Credit* and Bank Guarantee*
* Offered through our associate banks.

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 cost-effective solutions from a bouquet of services comprising M&A Advisory, PE Syndication and Debt and Equity Capital Market services*

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

Private Equity
Tata Capital's Private Equity business identifies, funds, nurtures and profitably exits companies, with significant growth potential. Our team looks to create value in these companies, beyond its role as a financial investor, by supporting them in areas like strategy, business development, manufacturing, marketing, technology, treasury and facilitating overall improvement and growth of the companys operations. To enable this, the team leverages the vast business management experience of the Tatas across different sectors of the economy.

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, Working Capital Loans, Bill Discounting/ Factoring, Refinance, Top Up Loans and Loan Syndication.

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 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. Registered Office: Army & Navy Building, 2nd Floor, 148, M. G. Road, Fort, Mumbai 400001, Telephone: 91 22 67524000, Fax: 91 22 66378379. Tata Securities Limited. Member Bombay Stock Exchange Limited. SEBI Registration Number. BSE Cash Segment: INB010664150. BSE Derivative Segment: INF011207954. Depository Participant of CSDL, SEBI Registration Number: IN-DP-CSDL-450-2 008. Member National Stock Exchange of India Limited, SEBI Registration Number: INB/F231288730. Depository Participant of NSDL, SEBI Registration Number: IN-DP-NSDL-298-2008. ARN 0021.

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, Financial Planning Services, Retirement Planning Services, Third party investment products like Portfolio Management Services, Private Equity/Venture Capital Funds, Structured Products, Mutual Funds#, Fixed Deposits and Bonds

# The participation by a companys customer in mutual fund products is purely on a voluntary basis

Consumer Loans
Our wide range of consumer loans helps ensure that the dreams our customers want to realize today, are not put off for tomorrow. With a deep understanding of our customers needs we are able to guide them at every step and offer them specific financial solutions. Our Consumer Loans include, Home Loans*, Auto Loans, Personal Loans, Business Loans, Education Loans, Loans against Property, Loans against Shares#, Loans against Gold#.

* Brought to you by Tata Capital Housing Finance Limited, a wholly-owned subsidiary of Tata Capital Limited. # currently available in select cities only.

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.

*Tata Card is the White Label Card issued, established and operated by the State Bank of India and Tata Capital is marketing and distributing this card

Travel Related Services

Our travel related services* helps cater to a range of travel needs - from planning customized holiday packages for individual customers to group travel arrangements for corporate customers. Our focus on service quality and transparency is supplemented by our commitment to optimize the cost, comfort and convenience for all our customers. Our wide range of services include Airline ticketing, Visa & passport facilitation, Hotel accommodation and Cars-hire & surface transport

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

Foreign Exchange
TT Holdings & Services Limited, a whollyowned subsidiary of Tata Capital Limited offers a complete range of travel related foreign exchange products Our wide range of services include travelers cheques, foreign currency notes, foreign currency denominated pre-paid travel cards, inward money transfer service and other associated travel related products like travel insurance, prepaid calling cards.

Financial Highlights
Tata Capital is a fast expanding financial services provider and built a strong foundation in its initial years of business.

YTD Dec 2010 Total Assets Total Advances Net Worth Capital Adequacy Ratio

(Rs. Crore) 14, 463 12,100 2,222 17.1%

Managing Committee

Praveen P Kadle | Managing Director & CEO Govind S. Sankaranarayanan | Chief Financial Officer & and COO Corporate Affairs

R Vaithianathan

| Head, Consumer Finance &

Advisory Business J Niranjan | Head, Investment Banking

Amar Sinhji | Head, Human Resources Avijit Bhattacharya | CEO, Tata Securities Shailesh H Rajadhyaksha | Head, Legal & Compliance and Company Secretary Pradeep C Bandivadekar | COO, Corporate Finance Rajan Bhat | Head, Forex, Travel and Cards Business

Affiliates
Financials Limited is a BPO and KPO unit specialising in the area of financial services and owned by Tata Capital Limited, Tata Sons Limited and others. Tata Capital Limited also owns around 4% of the equity capital of (Development Credit Bank), a new generation private sector bank with a network of 80 state-of-the-art branches across 10 states and two union territories.

Strategic Alliances
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 widerange 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.

Talk to Us
We would be delighted to hear from you. For any queries regarding our products and services, or for any other assistance, do reach us at [email protected] or at the following registered office addresses of Tata Capital / its subsidiaries. We are committed to respond to you at the earliest.

Mumbai Tata Capital Limited, One Forbes, Dr V B Gandhi Marg, Fort , Mumbai -400 001 Tel: +91 22 6745 9000 | Fax: +91 22 6610 6722 Singapore TC Pte. Ltd, 8 Cross Street, # 11 PWC Building, Singapore 048 424 Tel: +65 6592 0979 | Fax: +65 6324 0955 London Tata Capital PLC, 18 Grosvenor Place, London SW1X 7HS Tel: +44 20 7235 8288 | Fax: +44 20 7259 5996

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

Disclaimer
This presentation cannot 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.