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Credit Score: What Is It And How It Impacts You?
You must have heard the words – Credit score, Rating, Cibil, etc.

Confused what is it and how it impacts you? Keep reading; we will learn in detail about credit score in this blog.

What is a Credit Score?

A Credit score or Credit rating is an indicator of a person’s creditworthiness, in simple words, the ability to pay the debt.

It is usually expressed as a number based on the person’s repayment history and credit files across different loan types and credit institutions. The range of a credit score is generally between 300 and 900. It’s not a simple number; in fact, it can signify your past financial behaviour. The higher the credit score, the better your perceived ability to pay the debt by Credit Institutions.

If you’re looking for a home loan, car loan, or applying for a new credit card, your credit score will significantly impact the chances of approval, interest rate, repayment terms, credit limit, etc.

In India, Credit scores are issued by Credit Information Companies (CICs), also known as Credit Information Bureaus (CIBs). CIBs are different from Credit Rating Agencies (CRAs). CIBs provide credit data of borrowers and are licensed by the Reserve Bank of India (RBI), whereas CRAs evaluate the credit quality of debt instruments offered by companies, govt. and other institutions. CRAs are regulated by the Securities and Exchange Board of India (SEBI).

What is the need for a good Credit Score?

Before going into the details, let’s understand why we need a good credit score.

At the time of taking a loan or applying for a new credit card, Banks and lending institutions use credit scores to assess whether you are worthy of credit. The better your credit score, the higher the chances of getting your loan approved or vice versa.

Further, you are likely to get additional benefits if you are maintaining a healthy credit score, such as low interest rates, better repayment terms, higher credit limit, etc.

How is Credit Score calculated?

There are numerous Credit Information Companies (CICs), a.k.a. Credit Information Bureaus (CIBs), and the calculation method of credit score is different for each company.

There are multiple factors considered in calculating credit score, and their weightage can be different across CIBs. In India, there are four Credit Card Information Companies licensed by the Reserve Bank of India (RBI). These are:

1. TransUnion CIBIL: Credit Information Bureau India Limited (CIBIL) is a part of TransUnion, an American multinational group. Incorporated in 2000, it is the most popular Credit Information Company. The CIBIL credit score is a three-digit number that ranges from 300 to 900, with 900 being the best score. Above 750 is considered to be a good score.

2. Experian: Experian PLC, incorporated in 1996, is a multinational data analytics and consumer credit reporting company headquartered in Ireland. The Experian credit score is a three-digit number that ranges from 300 to 850, with 850 being the best score.

3. Equifax: Equifax Inc., founded in 1899, is an American multinational consumer Credit Reporting Agency. The Equifax credit score is a three-digit number that ranges from 300 to 900, with 900 being the best score.

4. CRIF: CRIF High Mark Credit Information Services Private Limited, incorporated in 2005, is a credit bureau headquartered in Mumbai, India. The CRIF credit score is a three-digit number that ranges from 300 to 900, with 900 being the best score.

Read Also: Understanding the Difference Between Credit and Debt

Factors which can impact Credit Score

1. Non-Payment

It is considered to be the most important factor which can significantly impact your credit score. Whether it is a payment of your credit card bill or an instalment of your home loan, never miss the due date.

Tips to improve – Always pay on time: Never forget to pay your bills or better, enable auto pay on your credit card payments and loan instalments.

2. Credit Utilization

Over-utilisation of the limit offered to you can signify that you are credit-hungry. It is calculated on the basis of your overall credit limit.

Consider a situation: You have two credit cards, and their aggregate limit is INR 1 lakh. Now, during Diwali, you did shopping worth INR 90,000 via credit cards. Here, your utilisation rate is 90%, which is on the higher side. It will have a negative impact on your credit score.

Tips to improve: Do not over utilize your credit limit, keep it below 30% of your overall credit limit.

3. Closure

Closing your active credit cards and loans can temporarily affect your credit score as it reduces your credit history. The older the card or loan, the higher the impact on your credit score.

Tips to improve: Keep your old cards active, even if you don’t use them. It increases your average credit age and helps you maintain a healthy credit score.

4. New Credit

Taking more credit in the form of credit cards or loans signifies that you are credit hungry, and it can have a negative impact on your credit score.

Tips to improve: If you are applying for a new credit card or loan, consider taking a gap in the new applications, as simultaneously opening multiple new credit cards and loans can significantly lower your credit score.

5. Variety

Although not significantly, but having a mix of credit instruments can positively impact your credit score.

Tips to improve: Based on your needs, consider taking a variety of credit account types in your portfolio. For example – You have a credit card and are in need of a personal loan, instead of taking a loan against your credit card limit, consider taking a personal loan which will improve the variety of your credit account type and generally personal loans from Banks are cheaper than loan against credit cards.

However, keep in mind that it is not a major factor in determining your credit card score.

6. Others

There are a few other factors as well that can impact your credit score. Although, the impact of these factors is less as compared to other factors. These are:

1. New Inquiries: If you apply for a new loan or credit card, the lending institution will assess your credit score first, which means it will go to the CICs and make an inquiry. The higher the number of inquiries, the higher the impact on your credit score. However, the impact is temporary.

2. Incorrect address: If your address or any personal details are not consistent across loans or credit cards, then it can impact your credit score.

Tips to improve: Never apply for too many credit cards or loans at one time. Further, keep checking your credit reports frequently; if you identify any discrepancies, then take a proactive approach and rectify them.

How to check Credit Score?

In India, as we discussed above, there are four Credit Information Companies (CICs) licensed by the RBI. There are multiple ways to check your credit score:
1. Website of CICs: You can visit the website of the CICs and check your credit score. Generally, it requires registration and one report is free to check.
2. Bank: Nowadays, banks or credit card companies provide the facility of credit score check without any cost.
3. Third parties: There are multiple third parties in India, including payment aggregators and Fin-techs, which provide a free credit score check facility.
Read Also: How to Improve Your Credit Score?

Conclusion

Your credit score is not just a simple number; in fact, it signifies your financial behaviour. It significantly impacts your loan approval chances and lending terms such as interest rate, repayment terms, etc.

Considering how important it is, maintaining a healthy score can help you in getting a new loan or credit card at better terms. It’s not difficult to maintain a healthy credit score; all you need to do is follow a few easy steps mentioned above.

Further, it is suggested to keep an eye on your credit score at-least once a month and proactively act on things or any discrepancies in reports.

Frequently Asked Questions (FAQs)
1. Which is the most widely accepted credit score in India?
  CIBIL score
2. What is the ideal credit utilisation ratio?
  Keep it below 30% to maintain a healthy credit score.
3. What is the impact of late payments on credit score?
  If you have skipped payment of your credit card, you can still pay the bill within three days of the due date. There won’t be any penalty and most likely your credit score won’t be affected. However, if the due date + 3 days have passed, then you have to pay a penalty and interest charges, and your score can significantly go down.
4. Is the 810 CIBIL score considered to be good?
  CIBIL score of 810 is considered to be an excellent score.
5. What is the full form of CIBIL?
  CIBIL stands for Credit Information Bureau India Limited.

December 19, 2023

Best Alternatives To Fixed Deposits

Tired of investing in FDs, and looking for another option to invest?

FDs are the most preferred choice for risk-averse investors in India. They are convenient, simple to understand, and safe….wait, are they really safe? It may or may not.

After the recent fiasco of Yes Bank and PMC Bank, it can be understood that FDs are not 100% safe. Further, there are a few drawbacks, such as penalty for premature withdrawal, not so-flexible tenure, etc.

What is the safest investment then? What are the other options that provide more flexibility or tax efficiency than Fixed Deposits? In this blog, we will explore answers to all such questions.

Alternatives to FDs

Let’s explore the options available to Investors:

1. Mutual Funds

These are pooled investments managed by a professional fund manager. There’s an entire universe of mutual funds.

Check out our blog to learn more: Mutual Funds: Meaning, Types, Features, Benefits and How They Work.

Broadly, there are Equity and Debt mutual funds. While equity mutual funds are riskier and more volatile, debt funds can be an alternative to fixed deposits. In finance, there’s one simple rule: The higher the returns, the higher the risk.

Debt funds are classified on the basis of:

1. Duration: The longer the duration, higher the sensitivity of change in price of the bond.

2. Types of investment: Debt funds invest money in several instruments ranging from money market instruments to corporate bonds. Gilt funds carry less default risk than credit-risk funds.

Check out our blog to learn more: What is Debt Mutual Funds: Invest in the Best Debt Funds in India

2. Bond Market

Another method to get exposure to bonds is to directly invest in bonds. There are several methods to do so. You can directly place bids for various new offerings via brokers. Further, RBI recently launched a Retail direct platform to facilitate investment in govt. securities – Treasury bills, Central / State govt. Bonds, etc. However, direct investing in bonds requires thorough research and carries more risks. For newbies, investing in debt funds is ideal.

Fact: Government securities offer the maximum safety as they carry the Sovereign Guarantee.

3. National Savings Scheme (NPS)

It is a defined contribution voluntary pension scheme launched by Govt. of India. It is a low-cost product that can provide attractive market-linked returns. They invest in equity, bonds, and govt. securities and are managed by fund managers. Further, tax benefit upto INR 50,000 is available under this scheme. However, this is a pension scheme. Therefore, it comes with a lock-in period until the age of 60.

3. Floating Rate Saving Bonds (FRSB)

FRSBs are issued by the Reserve Bank of India (RBI) on behalf of Govt. of India. As the name suggests, coupon rate is not fixed in FRBs like bonds. The coupon is linked to the National Savings Certificate (NSC) + 35 bps spread. They have a maturity of 7 years and do not provide any tax benefit, but coupon rate is generally higher.

4. Post Office Schemes

There are multiple post office schemes available to investors:

1. Public Provident Fund (PPF) – A long term tax-saving investment option where the lock-in period is 15 years.

2. Sukanya Samriddhi Account (SSA) – A govt. of India initiative targeted to the parents of girl children.

3. National Savings Certificate (NSC) – A government savings bond scheme targeted to investors looking for tax savings. NSC has a lock-in period of five years.

5. Hybrid Funds

As the name suggests, they are a mix of equity and debt. They are further classified in the Aggressive or Conservative approach. Aggressive invests more in equity and less in debt instruments, while Conservative hybrid funds take more exposure in debt. Taxation of it depends on the equity exposure of the fund.

Check out our blog on taxation to learn more: Decoding Mutual Funds Taxation In India

6. Alternate FDs

There are multiple types of Fixed Deposits available to investors, however, only bank FDs are common. List of other FDs that one can consider investing in:

1. Corporate FD – These FDs are issued by companies. Generally, they provide higher returns than Bank FDs. The interest rate of FDs can be significantly influenced by the credit rating of the FDs issued. The lower the rating, the higher the interest rate.

However, direct investing in them is more-riskier, they are not insured by Deposit Insurance and Credit Guarantee Corporation (DICGC). Investing via debt funds is the ideal route.

2. Senior Citizen FDs: Investors aged more than 60 years are eligible to invest in Senior citizen FDs. They carry higher interest than regular FDs.

3. Tax Saving FDs: Unlike regular FDs, they provide tax benefit of up to INR 1,50,000 under section 80C but comes with a lock-in period of five years.

Options for Senior Citizens

1. Senior Citizen Savings Scheme (SCSS): SCSS is a post office scheme offered to senior citizens, i.e., 60 years and above. The interest rate in SCSS is higher as compared to other options, and also tax benefit under section 80C is there. However, a maximum of INR 30 lakhs can be invested in this, and they come with a lock-in period of five years.

2. Bank FDs: As the name suggests, senior Citizen FDs are targeted to senior citizens only. They offer higher interest rates and flexible tenure as compared to regular bank FDs. However, no tax benefit is available in such FDs.

Why Alternate Options?

Now, you will ask why all this when one can simply invest in FDs, well there are multiple reasons:

1. Taxation: Capital gains from fixed deposits are taxed as per your income slab rate. If you fall in the bracket of 30%, then it might not be efficient for you.

2. Maturity: For long-term investment, FDs provide fewer options. In Bonds, you can even invest for 40 years.

3. Safety: After recent cases of PMC and Yes Bank, we can say that FDs are not 100% safe and so are the other investment option. Generally, the central govt. issued securities like Treasury Bills, Bonds are the safest instrument to invest as they are backed by Sovereign Guarantee. If such securities give higher returns, then investment in these is preferred over regular FDs.

Fact: Bonds issued by State Government / State Development Loans (SDLs) generally provide higher returns than regular bank FDs.

4. Withdrawal: In case of premature withdrawal in FDs, one has to pay penalties. However, in the case of instruments like bonds, you can sell in open market as well, even before the maturity (considering enough liquidity is available). Further, if market conditions are in favour of you, then apart from fixed coupons, you can also get capital gains.

Conclusion

FDs are the most preferred investment option in India, but considering their recent fiasco and returns potential, exploring other investment options as per risk appetite and investment horizon can provide better diversification and safety. Few can give you better returns, and few instruments are more tax efficient.

Consider the risk profile, investment horizon, and financial goal, then select the best available option that aligns with your goal and invest money there.

Frequently Asked Questions (FAQs)

Which is more liquid: Liquid funds or Short duration funds?
Liquid funds.
What is the maximum limit to invest in Senior Citizen Savings Scheme (SCSS)?
One can invest up to INR 30,00,000 in SCSS.
What are the investment options in which tax benefit under section 80C is available?
Tax Savings FDs, National Savings Certificate (NSC), ELSS Funds, SCSS for Senior citizens, etc.
Are Fixed Deposits insured in India?
Fixed deposits in India are secured till INR 5,00,000 by Deposit Insurance and Credit Guarantee Corporation (DICGC).

Disclaimer: The securities, funds, and strategies mentioned in this blog are purely for informational purposes and are not recommendations.

December 19, 2023

Maruti Suzuki Case Study: Business Model and Marketing Strategy

Maruti Suzuki, a well-known automobile company in India, has an intriguing history with the evolution of the Indian Automotive industry.

In this blog, let’s delve into the remarkable journey and explore the growth trajectory of Maruti Suzuki.

Maruti Suzuki – History

In the year 1981, the Indian Government established Maruti Udyog Limited which was a joint venture with Suzuki Motor Corporation of Japan.

The iconic Maruti 800, a fuel-efficient and affordable car, rolled off the production line, transforming the car industry in India in the year 1983. The Company then started expanding its basket by launching cars like Omni, Zen, and Wagon-R, to cater to the diverse car industry of the growing Indian market.

Maruti Suzuki – Company Overview

Maruti Suzuki India Limited is a subsidiary company of Suzuki Motor Corporation, Japan that currently holds almost 56% of the equity in the company. It is one of the largest car makers. The company manufactures and sells passenger vehicles in India and the largest exporter of passenger vehicles in India.

The top 5 export destinations are Chile, Ivory Coast, Saudi Arabia, Ethiopia, and South Africa.

As of March 2025, it is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) and trading around a price of INR 11,476.

The company has multiple production facilities across India and boasts a robust manufacturing capacity that exceeds 1.5 million units annually.

Market Information of Maruti Suzuki

Current Market Price	₹11,476
Market Capitalization (in ₹ Crores)	3,60,807
52 Week High	₹13,680
52 Week Low	₹10,725
Dividend Yield	1.07%
ROCE	21.8%

(Data as of 28 March 2025)

Maruti Suzuki – Awards & Recognitions

Maruti Suzuki Grand Vitara was awarded Car of the Year – Autocar Awards 2023
The company has also been awarded the Global Safety Summit Award for CSR.
In 2024, Maruti Suzuki manufactured 2 million vehicles in a calendar year.

The company believes in a value-creation approach and connects well with the customers to understand their needs.

The company has two manufacturing units in Haryana and one manufacturing unit in Gujarat. The important raw materials for the company are steel coils, non-ferrous castings, and paints.

Maruti Suzuki pursues a multi-channel strategy. One of its fundamental elements of value creation is ‘optimum resource utilisation’. The Company has inculcated the 3R principle, Japanese practices, and SMC’s basic philosophy of ‘Fewer, Smaller, Lighter, Neater and Shorter’ across all its operating practices.

The core values of the company include customer obsession, flexibility and first mover, innovation and creativity, openness and learning, networking, and partnership.

With a major focus on optimum resource utilization and operational excellence, the company adopts Japanese practices for efficient operations. Maruti Suzuki offers the best products and car services in India by leveraging the unique ability of Suzuki Motor Corporation and designing environment-friendly and safe products.

Striving to provide the best value proposition to the customers, the company extracts raw materials and sends them to raw material processing units. These units further provide units to Tier 1, 2 & 3 suppliers. Once the manufacturing process is completed, the cars are then finally supplied to the dealers.

The Company uses the IMDS tool to measure the ‘RRR’ performance in 16 models and has collaborated with Toyota Tsusho Group and established a joint venture named Maruti Suzuki Toyotsu India Private Limited (MSTI) for vehicle dismantling and recycling facilities in India.

Apart from this, the company emphasizes low-cost production with the help of local sourcing and efficient supply chain management to keep costs down, and provides engines that are fuel-efficient and have minimalistic features.

Digitalisation and Innovation

The company launched the Maruti Suzuki Smart Finance service to make the buying procedure easy for its customers. This is an online car finance facility.

To manage the risks arising from natural disasters, Maruti Suzuki maintains close communication with suppliers of all tiers and optimizes the use of semiconductors in electronic components.

Some of the innovation programs are listed below:

Nurture 2023 was launched in partnership with IIM Calcutta.
Incubation 2020 in partnership with IIM Bangalore.
MAIL 2019 in partnership with GHV Accelerator.

Sustainable Development Goals

The company incorporates several sustainable development goals in its business model:

The company focuses on producing fuel-efficient cars that reduce carbon emissions and conserve energy.
Initiatives have been taken by the company to promote road safety.
Various welfare measures are taken to support and encourage female employees.
They work and collaborate to improve traffic and congestion in urban areas to make the cities liveable.
The company implements measures to reduce water and energy consumption in its production processes. About 3,443 million litres of water was recycled by the company in 2024. Furthermore, the company doesn’t use groundwater and meets 64% of its water requirements through water recycling.
The company invests in research and development, as well as skilling and training the employees. Over 12,000 students benefitted through various skill development programmes launched by the company.

Marketing Campaigns of Maruti Suzuki

Over the years, Maruti has consistently launched remarkable and memorable campaigns that resonated with Indian audiences. The most famous ones are mentioned below:

1. Kitna Deti Hai? – this 80’s campaign with an iconic and unique slogan focuses on fuel efficiency.

2. Maruti Udyog: Bandhan Apna Sath Ka – launched in the 90’s, this emotional slogan reached and touched the hearts of millions of customers.

3. More marketing campaigns include Living Life Zestfully (2010s), Desh ki Shaan, and Ghar ki Naaz (2020s).

Product Portfolio

The company’s products include

Maruti Suzuki ARENA will provide a social and connected car experience to its customers. For example: Brezza, Ertiga, Swift, etc.
NEXA – A premium sales channel to provide its customers with a rich retail experience through innovations and technology. For example: Fronx, Grand Vitara, Jimny, etc.
Commercial Vehicles to cater to the needs of retail channels.

And the OG Maruti 800!

SWOT Analysis of Maruti Suzuki

Strengths

Strong brand recognition with a market share of 40% in the automotive industry of India.
Wide distribution network of over 3000 dealerships across India.
Customer-centric approach to provide affordability and easy services.
A diverse range of products that covers various segments.

Weakness

It relies heavily on the Indian market for revenue generation, making itself vulnerable to economic fluctuations.
Lack of presence in the premium car segment.
The Automobile industry is a cyclic industry.

Opportunities

The growing demand for EVs can be an opportunity for the company to expand its business operations across India.
Forming strategic alliances with technology companies or other automakers for research and development for market expansion.
Focusing on rural market penetration can help Maruti grow.

Threats

Increased competition in the car market with established brands can pose a threat to the company.
It’s difficult to align with changing customer needs and preferences towards SUVs and EVs.
Any kind of disruption in the global supply chain can be a threat to the company.

Key Performance Indicators

Particulars	March 2024	March 2023	March 2022
Operating Margin (%)	12.24	8.78	5.27
Net Profit Margin (%)	9.32	6.83	4.20
ROE (%)	15.75	13.28	7.01
ROCE (%)	19.42	16.02	8.08
Current Ratio	0.87	0.58	0.99
Debt to Equity Ratio	0	0	0.01

Future Outlook

Maruti Suzuki, India’s leading automaker, is set for significant expansion by 2030. The company plans to double its production capacity to 4 million vehicles annually, investing approximately $5.5 billion. This expansion includes establishing a third plant in Kharkhoda, Haryana, aiming for a production capacity of 4 million vehicles by 2031. Maruti also targets increasing its domestic market share to 50% and boosting exports, with plans to manufacture 1 million units for export by 2030. The company is venturing into the electric vehicle market, preparing to launch its first EV, the e Vitara SUV, in 2025. Suzuki Motor Corporation, Maruti’s parent company, has earmarked $13 billion in investments through 2030, with 60% allocated to India, underscoring the country’s strategic importance in its global operations. Collectively, these initiatives position Maruti Suzuki for robust growth and a strengthened market presence in the coming years.

Conclusion

Maruti Suzuki is a combination of affordability, reliability, and customer focus, that tries to adapt itself to the changing needs of its customers. The company holds strong brand recognition and is well-positioned in the automotive industry. Its CSR and sustainability initiatives sets it apart from its competitors. However, it is advised to consult a financial advisor before investing.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
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4	Wipro Case Study and Marketing Strategy
5	Coca-Cola Case Study and Marketing Strategy

Frequently Asked Questions (FAQs)

When was Maruti Suzuki established?
Maruti Suzuki was established in the year 1981.
Which is the most sold car by Maruti?
The most sold car is the Maruti 800.
Maruti Suzuki is the subsidiary of which company?
Maruti Suzuki is a subsidiary company of Suzuki Motor Corporation, Japan.
What is Nexa by Maruti Suzuki?
Nexa is a premium sales channel to provides customers with a rich retail experience through innovations and technology.
Is Maruti Suzuki a listed company?
Yes, Maruti Suzuki is a listed company.

December 19, 2023

Tata Technologies Case Study: Business Model and Marketing Strategy

Tata Technologies Limited is a leading Indian multinational product engineering company, known for its expertise in the automotive, aerospace, and industrial heavy machinery sectors.

The company was incorporated as ‘Core Software Systems’ in 1989 as the automotive design unit of Tata Motors with major focus on car designing and development, and was later renamed to “Tata Technologies” in the year 2001.

In the year 1994, the company separated itself from Tata Motors and marked the beginning of an independent journey. Since then, Tata Technologies has grown to become a global leader in providing engineering and digital services and several other areas.

Currently, it operates 18 delivery centres across India, North America, Europe, and the Asia-Pacific region. Almost 65% of its business market is outside India. The company’s acquisitions, such as INCAT International in 2005 and Cambric Corporation in 2013, have played a key role in its growth.

The company offers services in three major areas that include automotive, industrial heavy machinery and aerospace. Here is a quick overview of what the company does:

1. Product engineering and design

This includes developing cutting-edge products, from concept to launch, for global clients.

2. Product life cycle management

Management of the entire product lifecycle from inception to end-of-life.

3. Manufacturing Solutions

Design and implement efficient and cost-effective manufacturing processes.

4. Digital Transformation

Helps the clients leverage digital technologies so that their business operations and products can be improved.

Business Model – A detailed analysis

Tata Technologies’ business model is categorised into the following lines of business:

1. Services Offering

- Providing outsourced engineering services and digital transformation services to global manufacturing clients.

- Specialisation in digital thread which, enables solutions across processes and enterprises.

- Provides engineering services to clients in the automotive and aerospace verticals of the company.

- The automotive sector area includes concept design, tear down and benchmarking, vehicle architecture, body engineering, chassis engineering, etc.

- The aerospace sector area includes Airframe designs, cabin interiors, and electronic equipment in aircraft.

2. Technology Solutions

- Reselling third-party software applications, primarily product lifecycle management (PLM) software and solutions.

- Provide services like consulting, implementation, system integration, support, and education solutions in manufacturing skills including upskilling and reskilling, to public sector institutions and private institutions including colleges and universities.

The company offers these services and industry verticals across the industry verticals of auto, aerospace, and industrial heavy machinery.

The top 5 clients of Tata Technologies: Tata Motors, Jaguar Land Rover, Airbus, Boeing, and John Deere.

Sales and Marketing

The company works on a ‘Key Account Management’ approach wherein it identifies potential clients and tries to build strong relationships with them.

Sales, marketing, and technical teams work together to deliver customised solutions and positioning of the brand with the promotion of social media campaigns.

The company also has various subject matter experts. They closely work with sales, collect customer feedback and analyse the latest trends in the technology.

Quality Check

The company aims to provide consistent global delivery by implementing the Project Health Quality Index and continuously trying to improve its services.

The main competitors of Tata Technologies are TCS, L&T Technology Services, KPIT Tech, and Wipro.

Also, as of September 2023, the company employed 12,451 people, including 11,608 full-time and 843 temporary employees.