Tata Capital Personal Loan

Tata Capital Personal Loan is available at attractive interest rates starting at 11.99% per annum. You can apply for a maximum loan amount of ₹35 Lakhs with a repayment tenure of up to 6 years. Tata Capital offers customised instant pre-approved personal loans with quick disbursement for added convenience.

Refer to the following table to get an idea of the personal loan offering:

Here is the table showing the interest rates of Tata Capital Personal Loan:

Tata Capital Personal Loan offers collateral-free loans. Here’s a list of loan types that you need to know:

1. Personal Loan Overdraft

• Purpose: The Personal Loan Overdraft facility provides flexible withdrawal of funds. They also allow part-payment facilitation according to the requirements of the borrowers and their financial position without any additional charges. The interest rate is charged on the used, however, unpaid amount.

• Loan Amount: Up to ₹35 Lakhs

• Tenure: Maximum of 7 years

• Processing Charges: 5.5% of the loan amount + GST

2. Marriage Loan

• Purpose: Marriage Loan helps cover expenses related to wedding ceremonies and arrangements.

• Loan Amount: ₹75,000- ₹35 Lakhs

• Tenure: 1 year to 6 years

• Processing Charges: 5.5% of the loan amount + GST

3. Medical Emergency Loan

• Purpose: It covers expenses arising from medical emergencies or to fund dental, cosmetic, and other medical procedures.

• Loan Amount: ₹40,000 - ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

4. Personal Loan for Education

• Purpose: The education loan helps cover living expenses and tuition fees for students planning to study in India or abroad. This option is ideal for individuals unable to secure regular personal loans.

• Loan Amount: ₹75 Lakhs (Unsecured) and ₹2 Crores (Secured)

• Tenure: Up to 13 years

• Processing Charges: 1% of the loan amount + GST

5. Travel Loan

• Purpose: This is tailored to fund a vacation or various travel-related expenses. It may include transportation costs, hotel expenses, tour packages, and/or any other expenses associated with the travel.

• Loan Amount: ₹40,000 - ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

6. Home Renovation Loan

• Purpose: This loan facility helps borrowers with funds for home renovation, ranging from extensive interior upgrades to basic maintenance and repair needs.

• Loan Amount: ₹40,000- ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

7. Personal Loan for Government Employees

• Purpose: Government employees can access personal loans tailored to meet their financial needs.

• Loan Amount: ₹40,000 - ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

8. Personal Loan for Salaried Employees

• Purpose: Tata Capital provides a personal loan for salaried employees to meet the personal financial requirements of the salaried individuals.

• Loan Amount: ₹75,000- ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

9. Personal Loan for Women

• Purpose: Personal loans for women cater to the diversity of the financial requirements of working women and homemakers.

• Loan Amount: ₹40,000- ₹35 Lakhs

• Tenure: Up to 6 years

• Processing Charges: 5.5% of the loan amount + GST

10. Small Personal Loan

• Purpose: Lower-ticket instant personal loan for salaried employees with a quick disbursement process of a few minutes.

• Loan Amount: ₹40,000 - ₹1.5 Lakhs

• Tenure: Up to 3 years

• Processing Charges: Up to 2 % of the loan amount

Here are the key features and benefits of Tata Capital Personal Loans:

• The loan amount offered ranges from ₹40,000 to ₹35,00,000

• The repayment tenure for these loans can go up to 6 years

• The interest rates are affordable, starting at 11.99% p.a.

• There is no requirement for security or collateral to get these loans

• There is no documentation hassle involved, and the loan application process can be completed with minimum documentation

• These loans have flexible repayment options and easy Monthly instalment (EMI) options

• There is no restriction on end-usage of the loan amount, offering flexible usage

• Use the overdraft facility to get an additional amount on top of the original amount

The eligibility criteria for these loans depend on various factors. These include the applicant’s credit score, work experience, age, income, work experience, and job stability. The eligibility criteria for Tata Capital Personal Loans are mentioned as follows:

1. For Personal Loan Overdraft Facility

• You must be a salaried individual

• Your age must be between 21 and 58 years

• You must have a credit score of 725 or higher

2. For Marriage Loan

• You must be a salaried individual

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 2 years

• You must have been serving in your present corporation for a minimum span of 6 months

3. For Medical Loan

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 1 year

• You must have been serving in your present corporation for a minimum span of 6 months

4. Personal Loan for Education

• You must be an Indian national

• Your age should be between 18 to 35 years

• You should have completed 10+2 or a diploma

• You must be pursuing a graduation, postgraduate degree, or PG diploma in professional education

• The university you apply to must be recognised, listed, and accredited in India or abroad

5. For Travel Loan

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 1 year

6. For Home Renovation Loan

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 2 years

7. For Government Employees

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹20,000

• You must have a work experience of at least 2 years

8. For Salaried Employees

• Your age must be between 21 and 58 years

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 1 year

9. For Doctors

• You should be an Indian citizen

• Your age should be between 22 and 80 years

• You must have a strong CIBIL score of 685 or above

• The degree you are pursuing must be registered with the Medical Council

10. Loan for Women

• Your age must be between 21 and 58 years 

• Your minimum monthly salary must be at least ₹15,000

• You must have a work experience of at least 1 year

The following documents are required for the Tata Capital Personal Loan:

• Identity and Address Proofs: Aadhar card, passport, driving licence, and a scanned copy of voter ID

• Income Proofs: Latest salary slips and bank statement (previous three months)

• Employment Certificate: Certificate of employment of one year

Additional Documents Required for the Tata Capital Personal Loan for Education

• ID Proof: Passport, PAN card

• Academic Documents: 10th and 12th mark sheets, degree certificate, available semester mark sheets/transcripts, entrance exam scores (IELTS, GRE, TOEFL, GMAT, etc.)

• Financial Documents: Salary slips for the last 3 months, bank statements for the past 6 months, Form 16 for the last 2 years, ITRs for the last 3 years, proof of business, balance sheets and P&L accounts

Follow these steps to apply for the Tata Capital Personal Loan online:

1. Visit the official website of Tata Capital- https://www.tatacapital.com

2. Go to the page of the loan you wish to apply for and click on ‘Apply Now’.

3. If you are a new customer, enter the employment type and your phone number to proceed.

4. If you are an existing customer, enter your phone number to proceed.

5. Fill in the online application form and submit the necessary documents.

6. Wait for the verification process to be completed.

7. You will receive the approval notification either by email or on your registered mobile number.

When considering a personal loan, it is essential to compare the loan terms to make a well-informed decision. Refer to the table below to know the details of various options:

In case of any queries, grievances, or concerns, you can write to the customer support of Tata Capital through the following ways:

• Call: 1860 267 6060

• WhatsApp: Send ‘Hi’ on 75067 56060 from your registered number

• Email: customercare@tatacapital.com

You can also contact the customer support team via Tata Capital’s Mobile App.

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