Tata Capital Personal Loan

With affordable interest rates, Tata Capital offers personal loans. Additionally, Tata Capital provides paperless digital loan processing along with online, quick personal loan. Tata Capital with interest rates starting at 10.99%* onwards. A maximum loan from Rs 75000 to 35 lacs with a maximum 1 to 6 year repayment period is available to you.

Interest Rate 10.99%* onwards
Maximum Loan Rs 75000 to 35 lacs
Processing Fees 3%
Maximum Loan Tenure 1 to 6 year

Loan Disbursal in 3 hrs*
100% Online Process

A Four-Step Guide to Efficient Financing

Complete Your Basic Details
Check Your Soft Eligibilty
Complete Your Details
Get Disbursal in account

Tata Capital Personal Loan EMI Calculator



% Interest



Total Payable

Documents Required for Tata Capital Personal Loan 

To apply for a Tata Capital Personal Loan, you must provide the following documentation.

  • Aadhar card, voter ID, driver's licence, and passport are examples of acceptable forms of identification.

  • A passport, ration card, or electricity bill can be used as proof of address.

  • If requested at the time of application, provide proof of employment.

  • In the event that it is necessary at the time of application, provide proof of business continuity.

  • The Last three months' worth of paystubs, and the most recent six months' worth of bank statements are acceptable forms of identification for employment proof of income.

  • Recent certified financial documents as proof of income for a business

  • Tata Capital offers personal loans with rates starting at 10.99% p.a. for loans up to Rs 35 lakh and terms up to 6 years. Tata Capital loan offers personalised personal loans with speedy loan processing, including pre-approved immediate personal loans to a select group of consumers and instant modest personal loans to salaried people with spotty or no credit histories. 

    Feature and Benefit  of Tata Capital Personal Loan 

    Here are some feature and benefit of Tata Capital Instant Personal Loan : 

    Multi-Purpose Loan - Tata Capital has the ideal personal loan programme no matter the situation. The borrower may choose to use these loans to pay for a variety of things, including unforeseen costs and significant life events like weddings.

    Interest Rates That Are Reasonably Priced - Tata Capital offers interest rates that are reasonably priced and start at 10.99% annually.

    No Assets Required As Collateral - Because personal loans are unsecured loans, loan approval is completed more quickly.

    Minimal Paperwork - Tata Capital Personal Loan just requires a minimum amount of paperwork to process your application, including only the most fundamental information, such as your source of income or the reason you need the loan.

    Simple Repayment - A Tata Capital Personal Loan can be customized to your needs and capacity for repayment. When applying for a loan through Tata Capital, you can select the loan's term, amount, and EMI schedule.

    An Easy Process For Sanctioning And Paying Off Loans - The loan approval and disbursement occur without any problems because of Tata Capital's individualized approach.

    Take use of Tata Capital's doorstep service to benefit from its convenience. It also makes the application process incredibly straightforward and straightforward.

    Process of applying Tata Capital Personal Loan 

    Just follow these easy steps for Tata Capital Personal Loan apply.  It is simple, quick, and trustworthy.

      • Visit the official website Fincrif.com .

      • Firstly , login with your name and number .

      • Then fulfill your employment type.

      • Verify OTP.

      • Upload all the documents and submit .

      • Last , you will get a call from the Fincrif team and help you to proceed next.

    Frequently Asked Questions ( FAQ ) 

    1. How can I apply for a Tata Capital personal loan?

    ANS. To submit an application for a personal loan, visit the official Tata Capital website. All you have to do is complete an online application and upload all the necessary paperwork. Following the bank's review of your application and supporting documentation, your loan request will be approved.

    2. When does Tata Capital decide whether to issue a personal loan?

    ANS. Within 2 to 3 working days after you submit your loan application and the necessary documentation, the bank will authorize your loan.

    3. How long does Tata Capital's personal loan application process take?

    ANS. The Tata Capital loan application form can be completed and submitted in a matter of minutes. In contrast, the bank may require up to two or three days to accept your loan application.

Eligibility Criteria for Tata Capital Personal Loan

Here are the list of Tata Capital Personal Loan eligibility: 

  • Between the ages of 22 and 58, you must be.

  • A minimum of 650 must be on your credit score

  • A monthly income of at least Rs 15,000 should be your minimal requirement.

  • At least a year must have passed since you started working.

Fees and Charges of Tata Capital Personal Loan

Interest Rates (Per Annum) Processing Fees Pre-Closure Fee* Part Payment Fee Penal Interest/ Additional Interest Bounce Charges Mandate Rejection Service Charge Loan Cancellation Charges Instrument Swap Charges Duplicate Repayment Schedule Duplicate NOC
Starts from 10.99% Up to 2.75% +GST Up to 4 % +GST Up to 25% 3% on Overdue amount per month + GST Rs. 600 for each instance + GST Rs 450+ GST 2% of loan amount or Rs. 5,750, whichever is higher + GST Rs 550 +GST *Branch Walk-In – Rs. 550 + GST Rs. 550 + GST

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