TATA FLY Personal Loan – Check Eligibility, Interest Rate & Documentation

Instant Approval
Minimal Documentation
Flexible Tenure Options

Apply online for a TATA FLY personal loan and access quick funds with minimal paperwork. Compare eligibility, interest rates, and documents in one place. Ideal for home renovation, medical needs, education, weddings, travel, or debt consolidation. Enjoy fast approval, flexible tenure, and a smooth 100% digital process designed for convenience.

Interest Rate
18%onwards
Loan Amount
₹25,00,000
Processing Fees
1% to 3%
Loan Tenure
1 to 6 year
Apply Now Check Eligibility

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

Eligibility Criteria for TATA FLY Personal Loan

The TATA FLY Personal Loan is designed for salaried individuals who meet specific income and employment requirements. Below are the eligibility conditions you need to fulfill to apply:

  1. Age: Minimum 21 years at the time of application and maximum 60 years at the time of loan maturity.
  2. Employment Type: Must be a salaried individual employed with a reputed private or public sector company.
  3. Minimum Income: Net monthly income should be at least ₹15,000 (may vary by city and employer category).
  4. Work Experience: Minimum 1 year of total work experience, with at least 6 months in the current organization.
  5. Credit Score: A healthy CIBIL score (700 or above) is preferred for better chances of approval and lower interest rates.
  6. Residency: Must be an Indian citizen residing in a city where TATA FLY loan services are available.
Documents Required for TATA FLY Personal Loan

The application process for a TATA FLY personal loan is fully digital and hassle‑free. Here's the minimal documentation you’ll need:

  1. Photo Identity Proof (any one): Aadhaar Card, Voter ID, Passport, or Driving Licence.
  2. Address Proof (any one): Aadhaar Card, Voter ID, Passport, or Driving Licence.
  3. Salary Slips: Latest 2 months’ salary slips as proof of income.
  4. Income Proof: Salary credit bank statements for the last 3 months.
  5. Employment Certificate: Must show at least 12 months of continuous employment.
  6. PAN Card: Self-attested copy required for KYC compliance.
Fees and Charges for TATA FLY Personal Loan

TATA FLY personal loans offer transparent fees and competitive interest rates. Here’s a detailed breakdown of the applicable charges:

  1. Interest Rate: Starts from approximately 10.99% to 18% per annum, dependent on borrower eligibility and credit profile.:contentReference[oaicite:1]{index=1}
  2. Processing Fees: Up to 3.00% of the sanctioned loan amount, plus GST.:contentReference[oaicite:2]{index=2}
  3. Prepayment & Part-Payment Charges: No charges for prepayment up to 25% within the tenure; charges may apply beyond that, as per bank policy.:contentReference[oaicite:3]{index=3}
  4. Cheque Bounce Charges: Up to ₹600 per instance, plus applicable GST.:contentReference[oaicite:4]{index=4}
  5. Mandate Rejection Fee: ₹450 per instance, plus GST.:contentReference[oaicite:5]{index=5}
  6. Loan Cancellation Charges: Either ₹5,750 or 2% of the loan amount, whichever is higher, plus GST.:contentReference[oaicite:6]{index=6}
  7. Instrument Swap Charges: ₹550 per instance, plus GST.:contentReference[oaicite:7]{index=7}
  8. Duplicate NOC / Account Statement: ₹550 per copy, plus GST; soft copies are usually free.:contentReference[oaicite:8]{index=8}
  9. Annual Maintenance Charges (AMC): Applicable for hybrid term loan products; 0.25% of dropline amount or ₹1,000—whichever is higher.:contentReference[oaicite:9]{index=9}
Good to Know About – TATA FLY Personal Loan

Before applying for a TATA FLY Personal Loan, here are important points to be aware of to make an informed financial decision:

  1. 100% Digital Process: Complete your loan application online without visiting a branch.
  2. Quick Disbursal: Approved loans are disbursed within 24–48 hours, ensuring funds are available when you need them.
  3. Credit Score Matters: A higher credit score increases your chances of approval and can help you secure better interest rates.
  4. Pre-Approved Offers: Existing TATA Capital customers may receive instant pre-approved offers with minimal documentation.
  5. Flexible Repayment: Choose a loan tenure between 12 to 72 months to suit your monthly budget.
  6. No Collateral Required: Being an unsecured loan, no property or asset pledge is needed.
  7. Part-Payment & Top-Up: Reduce your EMI burden with part-payments or get a top-up loan if eligible.
  8. Multipurpose Use: Funds can be used for weddings, travel, education, home renovation, medical emergencies, or debt consolidation.
Key Features of TATA FLY Personal Loan
  1. Attractive Interest Rates: Starting from 10.99% p.a., making EMIs affordable.
  2. High Loan Amount: Borrow up to ₹25 Lakhs based on eligibility.
  3. Flexible Tenure: Repayment options from 12 to 72 months.
  4. Minimal Documentation: Simple KYC and income proof requirements.
  5. Fast Processing: Quick approval and disbursal within 1–2 working days.
  6. Special Loan Transfer Benefits: Attractive terms for customers transferring loans from other banks.
  7. Online EMI Calculator: Plan your repayment easily with TATA’s EMI calculator.
Why Choose TATA FLY Personal Loan?
  1. Trusted Brand: Part of the TATA Group with decades of financial expertise.
  2. Customer-Centric Service: Tailored loan solutions to match individual needs.
  3. Transparent Process: No hidden charges; all fees disclosed upfront.
  4. Flexibility: Repayment options, part-payments, and top-up loans available.
  5. Nationwide Reach: Services available across multiple cities in India.
Frequently Asked Questions (FAQs)
  1. What is the minimum and maximum loan amount I can get? You can borrow from ₹50,000 up to ₹25 Lakhs, depending on your eligibility and income.
  2. Do I need collateral for a TATA FLY personal loan? No, this is an unsecured loan, so no collateral or security is required.
  3. How quickly can I get the loan amount? Loan amounts are typically disbursed within 24–48 hours after approval and documentation verification.
  4. Can I use the loan for multiple purposes? Yes, the loan can be used for weddings, home renovation, education, medical expenses, travel, or debt consolidation.
  5. What documents are required? You’ll need identity proof, address proof, PAN card, salary slips (last 2 months), and bank statements (last 3 months).
  6. Can I prepay the loan before the tenure ends? Yes, prepayment and foreclosure are allowed, subject to terms and applicable charges.
  7. How does my credit score impact my loan application? A higher credit score improves your chances of approval and helps you secure lower interest rates.

TATA FLY Personal Loan combines speed, convenience, and flexibility, making it a great choice for salaried individuals seeking instant financial assistance without the hassle of pledging security. Apply today and enjoy the benefits of a trusted financial partner.

EMI Calculator

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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.

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