Retail loan segment is where Tata Capital Ltd (TCL) is eying now. The company plans to start its two-wheeler financing and home financing operations later this fiscal.

TCL MD and CEO Praveen P Kadle said, "By this year end, we want to enter two-wheeler financing segment, though it involves a big risk. But opportunities are also there."

"The market is tough in retail finance. We want to build it very carefully. In the wake of crisis in the US, liquidity has become a major concern now. We want the government to take steps in this regard," added Mr. Kadle.

The company is also looking forward at rural financing but it will not indulge into micro financing said the CEO.

"We will provide lending to inputs including for sowing operations," he said.

The others segments where the company has been planning to make a presence are investment banking, distribution and broking business and commodity broking.

The company, structured as a non-banking finance company, has raised funds mainly through private placements of debentures and from banks.

Tata Capital is a wholly-owned subsidiary of Tata Sons Limited, the apex holding company of the Tata Group. It is registered with the Reserve Bank of India as a Systemically Important Non Deposit Taking Non Banking Financial Company undertaking fund and fee based activities in the financial sector. The company is in its second year of operation and has earned a net profit of Rs 9 crore.

Tata Capital brings the trust and expertise of the Tata Group into the world of financial services. It aims to be recognized for its customer-centricity and high service standards. The Company is driven by a strong focus on value creation for stakeholders and the society at large.