TATA CAPITAL
Check Eligibility, Get Instant Approval in 2 minutes and Disbursal in 3 Hrs*
10.99% - 29.00%
Upto 3.00%
Upto Rs.35L
Upto 6 Years
Apply Online for Tata Capital Personal Loan
Apply online for an Tata Capital and 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 5.5%
- Maximum Loan Tenure upto 6 Years
1+ Million
Happy Customers
Rs. 250+ crore
Monthly Personal Loans Disbursal
Wide Range of 60+
Partner Banks & NBFCs
Support team 700+
Team Size of Experts
Eligibility Criteria for Tata Capital Personal Loan:
Here are the eligibility criteria for a Tata Capital Personal Loan:
- Applicants must be between the ages of 22 and 58.
- A minimum credit score of 650 is required.
- A monthly income of at least ₹ 15,000 is necessary.
- Applicants must have at least one year of work experience.
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 employment proof of income.
- Recent certified financial documents as proof of income for a business.
Fees and Charges of Tata Capital Personal Loan
| Interest Rates (Per Annum): | 10.99% |
| Processing Fees: | Up to 5.5% + GST |
| Pre-Closure Fee: | Up to 4% + GST |
| Part Payment Fee: | Up to 25% |
| Penal Interest/ Additional Interest: | 3% on Overdue amount per month + GST |
| Bounce Charges: | ₹ 600 for each instance + GST |
| Mandate Rejection Service Charge: | ₹ 450 + GST |
| Loan Cancellation Charges: | 2% of loan amount or ₹ 5,750, whichever is higher + GST |
| Instrument Swap Charges: | ₹ 550 + GST |
| Duplicate Repayment Schedule: | ₹ 550 + GST |
| Duplicate NOC: | ₹ 550 + GST |
Fees and Charges of Tata Capital Personal Loan
Tata Capital offers personal loans with rates starting at 10.99% p.a. for loans up to ₹ 35 lakh and terms up to 6 years. Tata Capital provides personalized loans with speedy processing, including pre-approved personal loans and instant small loans to salaried individuals with spotty or no credit history.
Features and Benefits of Tata Capital Personal Loan
- Multi-Purpose Loan: Tata Capital provides loans that can be used for a variety of purposes, including unforeseen costs and significant life events like weddings.
- Reasonably Priced Interest Rates: Tata Capital offers competitive interest rates starting at 10.99% annually.
- No Collateral Required: Personal loans from Tata Capital are unsecured, meaning quicker approval with no need for collateral.
- Minimal Paperwork: Only basic documents are required, such as proof of income or the reason for needing the loan.
- Flexible Repayment Options: The loan can be customized according to your repayment capacity with adjustable EMI schedules and loan terms.
- Easy Loan Approval Process: Tata Capital offers an easy and personalized approach to loan approval and disbursement.
- Additionally, Tata Capital provides doorstep service to make the application process seamless.
Frequently Asked Questions (FAQ)
1. How can I apply for a Tata Capital personal loan?
Ans: To apply for a Tata Capital personal loan, visit the official website. Complete the online application and upload the necessary documents. Once reviewed by the bank, your loan will be approved.
2. When does Tata Capital decide on a personal loan?
Ans: Tata Capital typically approves loan applications within 2 to 3 working days after submission and document verification.
3. How long does it take to apply for a Tata Capital personal loan?
Ans: Completing the application takes a few minutes. However, it may take 2 to 3 days for the bank to process and approve your loan application.
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 EMI Calculator
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