The Indian stock market is buzzing with excitement as two heavyweight IPOs — Tata Capital and LG Electronics India — line up for October 2025. Both companies are strong in their own domains: one in financial services, the other in consumer electronics.
For investors, the big question is: Which IPO deserves your money? The answer depends on factors like pricing, issue size, structure of the IPO, business model, and long-term risks versus opportunities.
This article breaks down both offerings in simple terms so you can decide whether to go with the trust of Tata Capital, the global appeal of LG, or maybe even a mix of both.
Snapshot — Key IPO Numbers
Here’s a side-by-side look at the most important details investors need to know:
| Feature | Tata Capital IPO | LG Electronics India IPO |
|---|---|---|
| Price Band | ₹310 – ₹326 per share | ₹1,080 – ₹1,140 per share |
| Issue Size | Around ₹15,500 crore | Around ₹11,600 crore |
| IPO Dates | 6 Oct – 8 Oct 2025 | 7 Oct – 9 Oct 2025 |
| Listing Date | Likely 13 Oct 2025 | Likely 14 Oct 2025 |
| Type of Issue | Fresh Issue + Offer for Sale | Mostly Offer for Sale |
Understanding the Structure
One of the biggest differences between these two IPOs lies in their structure.
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Tata Capital is raising money through a mix of fresh issue and offer-for-sale (OFS). This means part of the money goes directly into the company, which it can use for expansion, digital transformation, and lending growth.
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LG Electronics India, however, is doing a pure OFS, where the parent company is selling its stake. The India unit itself will not get new capital.
This difference matters: Tata Capital could see its balance sheet strengthened, while LG India investors are mostly betting on market sentiment and brand strength rather than fresh growth capital.
Why Investors Like Tata Capital
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Trusted Brand: Being part of the Tata Group gives the company instant credibility.
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Diversified Portfolio: Presence in retail lending, SME finance, and corporate loans spreads out risk.
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Fresh Capital Advantage: With new funds flowing in, Tata Capital can scale its business and improve competitiveness.
In short, Tata Capital looks attractive to long-term investors who value steady growth in the financial sector.
Why Investors Look at LG Electronics India
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Consumer Brand Power: LG is already a household name in India, with strong demand for appliances and smart devices.
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Global Backing: Technology and R&D support from its South Korean parent strengthen product pipelines.
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Consumption Story: India’s rising middle class is spending more on electronics, making LG’s India business a direct play on consumption growth.
This makes LG more appealing to those who want exposure to consumer trends and India’s rising lifestyle economy.
Risks You Cannot Ignore
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Tata Capital Risks: Loan defaults (NPAs), credit cycle downturns, and stiff competition from banks and fintech lenders.
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LG Electronics Risks: Since it’s only an OFS, no fresh money goes into the India business. Also, consumer electronics depend heavily on demand cycles and global supply chains.
So while Tata faces financial risk, LG faces operational and parent-control risk.
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Which IPO Suits Which Investor?
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Long-term conservative investors: Tata Capital is better suited if you want stable growth and the assurance of the Tata brand.
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Short-term traders or high-risk investors: LG may deliver listing-day excitement but comes with higher volatility.
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Diversifiers: Those who want exposure to both financial services and consumer consumption could split their allocation.
Conclusion
Both IPOs bring different strengths to the table. Tata Capital is about trust, finance, and long-term growth, while LG Electronics India is about brand, consumption, and market momentum.
If you want stability and fresh-capital-driven expansion, Tata Capital looks like the safer bet. If you want to ride the consumer boom and don’t mind the risks of an OFS-heavy issue, LG could be an interesting play.
The final choice depends on your risk appetite and investment horizon.