Tata Capital personal loan: Check & Compare Tata Capital Personal Loans Eligibility, Interest Rate & Doumentation Required

Apply online for an Tata Capital , Check & Compare Tata Capital Personal Loans Eligibility, Interest Rate & Doumentation Requiredand experience quick, hassle-free approval with minimal documentation. Tata Capital is designed to meet your financial needs, whether for home renovation, medical expenses, travel, or debt consolidation.

  • Interest Rate 10.99% onwards
  • Maximum Loan ₹ 35 lacs
  • Processing Fees 0-1%
  • Maximum Loan Tenure upto 6 Years
Customers Rating

Get a Personal Loan upto₹25 Lakh in in 30 Minutes*

100% digital and secure process, 45% lower EMIs starting @ ₹1104/Lakh, Pay interest only on what you use with flexi loan.

Instant e-KYC No collateral Flexible tenure Trusted partner
Approval 2 minutes & Disbursal in 30 Mins*

1+ Million

Happy Customers

Rs. 250+ crore

Monthly Personal Loans Disbursal

Wide Range of 60+

Partner Banks & NBFCs

Support team 500+

Team Size of Experts

TATA Capital Personal Loan offers a convenient financial solution for individuals in need of funds for various personal requirements. Whether it’s for a wedding, medical emergency, education, or home renovation, TATA Capital provides quick and easy access to personal loans with flexible repayment options.

In this guide, we’ll cover everything you need to know about the TATA Personal Loan, including eligibility criteria, required documentation, features, EMI calculations, fees and charges, and more.

What is a TATA Personal Loan?

A TATA Personal Loan is an unsecured loan that provides financial assistance without requiring collateral. These loans are ideal for individuals who need funds for personal expenses but don't have assets to offer as security.>

Loan usage includes:
  1. Medical emergencies
  2. Education or skill development
  3. Wedding expenses
  4. Home renovation
  5. Vacation or travel
  6. Debt consolidation

TATA Capital offers loans with attractive interest rates, fast approval, and flexible repayment terms to meet various financial needs.

Eligibility Criteria for TATA Personal Loan
  1. Age: 22 to 58 years
  2. Credit Score: Minimum 650
  3. Income: Minimum monthly income of ₹15,000
  4. Work Experience: At least 1 year
  5. Employment Type: Salaried individuals, self-employed professionals, and business owners
Documents Required for TATA Personal Loan

The documentation process for a TATA Personal Loan is simple and hassle-free. Applicants are required to provide the following documents:

1. Identity Proof (any one of the following)
  • Aadhaar Card: Government-issued biometric ID with address details.
  • Voter ID: Proof of identity and voter registration.
  • Passport: Official travel and identity document issued by the government.
  • Driving Licence: Photo identity with address issued by the transport authority.

2. Address Proof (any one of the following)
  • Passport: Serves as proof of both identity and address.
  • Electricity Bill: Latest utility bill showing current residential address.
  • Ration Card: Government-issued card listing family members and address.
  • Bank Statement: Statement showing address and transaction history.
  • Updated Aadhaar Card: Aadhaar card with current residential details.

3. Proof of Employment
  • Job Offer Letter: Proof of employment provided by your employer at hiring.
  • Recent Salary Slip: Confirms employment and current monthly income.
  • Employment Contract: Formal document outlining employment terms and tenure.

4. Income Proof
  • Salaried Individuals: Last 3 months’ salary slips and 6 months’ bank statements to verify income and stability.
  • Self-Employed: Financial statements such as balance sheet and profit & loss account to confirm business income.

5. Other Documents
  • Proof of Business Continuity: Shows that your business is active and running (if self-employed).
  • Additional Documents: Any other documents requested by the lender during the loan process.

Features of TATA Personal Loan
  1. Multi-Purpose Loan: Can be used for weddings, education, medical expenses, travel, or debt consolidation.
  2. Attractive Interest Rates: Starts from 10.99% p.a. depending on eligibility and credit profile.
  3. No Collateral Required: Fully unsecured loan—no asset pledge or guarantor needed.
  4. Minimal Paperwork: Simple documentation process for faster approval.
  5. Flexible Repayment Tenure: Choose repayment plans that match your budget, from 12 to 60 months.
  6. Quick Approval: Get loan approval within 2–3 working days after document verification.
  7. Doorstep Service: Loan application and verification can be completed from the comfort of your home.

Fees and Charges for TATA Personal Loan

TATA Capital offers personal loans with competitive rates and clear charges. Here’s a breakdown:

Interest Rate: Starts at 10.99% per annum
Processing Fees: 1% to 5.5% of the loan amount + GST
Pre-Closure Charges: Up to 4% of the outstanding amount + GST
Part Payment Charges: Up to 25% of the principal
Bounce Charges: ₹600 per bounce + GST
Loan Cancellation Charges: 2% of loan amount or ₹5,750 (whichever is higher) + GST
Mandate Rejection Charge: ₹450 + GST
Instrument Swap Charge: ₹550 + GST
Duplicate NOC/Schedule: ₹550 + GST (per copy)

Why Choose TATA Capital Personal Loan?
  • ✅ Competitive Interest Rates: Attractive rates starting from 10.99% p.a. for eligible applicants.
  • ✅ Unsecured Loan: No need to pledge any collateral or security.
  • ✅ Flexible Terms: Choose EMIs and repayment tenure that suit your budget.
  • ✅ Fast Disbursal: Funds credited to your account within 2–3 working days after approval.
  • ✅ Trusted Brand: Offered by TATA Group, one of India’s most reputable and reliable business conglomerates.

Frequently Asked Questions (FAQs)
  1. How can I apply for a TATA Personal Loan?
    You can apply online via the official TATA Capital website by filling out the application form and uploading required documents.
  2. How long does loan approval take?
    Typically within 2–3 working days after document verification.
  3. What’s the maximum loan amount I can get?
    Up to ₹35 Lakh, depending on your income, credit score, and eligibility.
  4. Can I prepay my loan?
    Yes, you can prepay the loan. A pre-closure fee of up to 4% + GST will apply.
  5. What is the minimum income requirement?
    You must earn at least ₹15,000 per month to be eligible.

TATA Personal Loan is a convenient and flexible way to manage personal expenses such as medical bills, weddings, education, travel, or debt consolidation. With attractive interest rates, quick disbursal, and minimal documentation, it’s ideal for those seeking hassle-free funding.

Ensure you meet the eligibility criteria and keep all necessary documents ready for a smooth and quick approval process.

1+ Million

Happy Customers

Rs. 250+ crore

Monthly Personal Loans Disbursal

Wide Range of 60+

Partner Banks & NBFCs

Support team 500+

Team Size of Experts

Calculate Your EMI Instantly

A Multi-Purpose Loan EMI Calculator helps you estimate your monthly repayment amount before applying for a loan. Whether it’s for education, travel, wedding, home renovation, or business needs—know your EMI and plan smarter.

₹
Selected:
Years
Selected:
% p.a.
Selected:
Monthly Payable

0 / month

Principal

Interest

Total Payable

Breakdown: Principal vs Interest
Repayment Schedule
Month-Year EMI Interest Principal Balance