Tata Capital Personal Loan

Tata Capital provides a variety of personal loan options with loan amounts up to ₹35 lakh and repayment tenures of up to 6 years. Additionally, the bank offers instant small personal loans for salaried individuals, even those with limited or no credit history.

Tata Capital offers personal loans starting at 11.99% p.a. You can apply online for quick funding, whether it’s for medical emergencies, education, home renovations, travel, or weddings. Find the loan that suits your requirements and get fast access to funds

Check Eligibility
Max. Loan Amt.

Up to ₹35.00 Lakh

Rate of Interest

11.99% - 29.99%

Tenure up to

1 - 6 Years

Processing Fee

₹Up to 5%

Instant Small LoansMultiple Purposes

Tata Capital Personal Loan Features

  • Wide Loan Range: Borrow up to ₹35 lakh to meet various financial needs.
  • Flexible Tenure: Repayment period of up to 6 years.
  • Instant Small Loans: Quick approval for salaried individuals with limited or no credit history.
  • Multiple Purposes: Can be used for medical emergencies, education, home renovation, travel, weddings, and more.
  • Minimal Documentation: Hassle-free application process with simplified paperwork.
Tata Capital Personal Loan Highlights
Interest Rate 11.99% – 29.99% p.a.
Loan Amount Rs. 40,000 – Rs. 35 lakh
Repayment Tenure 1 year to 6 years
Processing Fees Up to 5.5% of the loan amount + GST
Part-payment Charges No part-payment for the first 12 months

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Tata Capital Personal Loan Interest Rates

Tata Capital personal loans start at 11.99% p.a. onwards. The exact rate depends on the loan amount, tenure, applicant’s credit profile, and the type of personal loan product chosen. Different loan schemes have the following interest rates:

Types of Personal Loans & Interest Rates:

  • Personal Loan Hybrid Term Loan – 14.50% onwards
  • Personal Loan for Marriage – 11.99% onwards
  • Medical Loan – 11.99% onwards
  • Personal Loan for Travel – 11.99% onwards
  • Personal Loan for Home Renovation – 11.99% onwards
  • Personal Loan for Salaried – 11.99% onwards
  • Personal Loan for Women – 11.99% onwards
  • Personal Loan for Government Employees – 11.99% onwards
  • Small Personal Loan – 11.99% onwards
     

Tata Capital Personal Loan EMI Calculator

Total Repayment = Principal + Interest

Monthly EMI

Rs. 0

Total Interest

Rs. 0

Total Repayment

Rs. 0

 

How to Apply for Tata Capital Personal Loan Online

You can apply for a Tata Capital Personal Loan online quickly and conveniently by following these simple steps:

Step 1: Visit the Tata Capital Personal Loan section and enter your valid mobile number.

Step 2: Complete secure verification using the OTP sent to your mobile number.

Step 3: Fill in your basic personal and employment details.

Step 4: Review available personal loan offers based on your profile.

Step 5: Choose the best offer and apply after checking the interest rates, tenure, and terms.

 

Fees & Charges

Particulars Charges
Processing Fees Up to 5.5% of the loan amount + GST
Penal Charges/Default in payment of interest or principal amounts 3% per month on defaulted amount (Annualized Penal Charge of 36%) – To be paid at the end of 13th month
Loan Cancellation Charges 2% of the Loan Amount/ Facility amount or Rs. 5750/- (whichever is higher)
Part Payment Charges

Nil on payment up to 25% of disbursed loan amount

4.5% on part-payment amount

6.5% on part-payment amount during Lock-in period (12 months)
Foreclosure Charges on Term Loan facility

4.5% on the principal outstanding at the time of foreclosure

For closing loan within 12 months- 4.5% + GST

Additional 2% over and above the mentioned prepayment/ foreclosure charges if foreclosure made during Lock-in period (12 months)
Foreclosure Charges in Personal Loan Hybrid Term Loan Cases

4.5% on the Dropped down amount

Additional 2% over and above the mentioned drop down amount if foreclosure made during Lock-in period (12 months)
Hybrid Term Loan Annual Maintenance Charges 0.25% of the reduced assigned limit or Rs.1000/—(whichever is higher)
Dishonour of Payment Disbursements or Cheques Rs. 600 per instance
Mandate Rejection Service Charge Rs. 450
Collection Charge and Stamp Duty At Actuals
Statement of Accounts Rs. 250
Payment Instrument Swapping Charges Rs. 550
Duplicate Repayment Schedule Rs. 550
Duplicate NOC Rs. 550

Note: GST and other applicable taxes and levies will be added to all fees and charges and are payable accordingly.

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Types of Personal Loans Offered by Tata Capital

Personal Loan for Salaried Employees

  • Purpose: Designed to meet the personal financial needs of salaried individuals.
  • Loan Amount: Up to Rs 35 lakh
  • Tenure: Up to 6 years
  • Minimum Monthly Salary: Rs 15,000
     

Personal Loan for Women

  • Purpose: Allows working women and homemakers to raise finance for various personal needs.
  • Loan Amount: Rs 40,000 – Rs 35 lakh
  • Tenure: Up to 6 years
     

Personal Loan for Marriage

  • Purpose: To finance wedding-related expenses.
  • Loan Amount: Rs 40,000 – Rs 35 lakh
  • Tenure: 1 – 6 years
     

Personal Loan for Medical Purposes

  • Purpose: To cover medical emergencies, cosmetic, dental, or other medical procedures.
  • Loan Amount: Rs 40,000 – Rs 35 lakh
  • Tenure: 1 – 6 years
     

Personal Loan for Travel

  • Purpose: To finance travel-related expenses including tickets, hotels, and tour packages.
  • Loan Amount: Rs 40,000 – Rs 35 lakh
  • Tenure: 1 – 6 years
     

Personal Loan for Home Renovation

  • Purpose: To fund home renovations, ranging from interior upgrades to basic repairs.
  • Loan Amount: Rs 40,000 – Rs 35 lakh
  • Tenure: 1 – 6 years
     

Personal Loan for Government Employees

  • Purpose: For government sector employees to meet personal financial requirements.
  • Loan Amount: Up to Rs 35 lakh
  • Tenure: 1 – 6 years
  • Minimum Salary: Rs 20,000 with 1 year of work experience
     

Small Personal Loan

  • Purpose: To meet short-term financial needs such as trips, health bills, or gadgets.
  • Loan Amount: Rs 40,000 – Rs 1.5 lakh
  • Tenure: 18 months – 3 years
  • Processing Fee: 2% of the loan amount
  • Minimum Salary: Rs 15,000 per month
     

Personal Loan Balance Transfer

  • Purpose: Allows borrowers to transfer existing personal loans from other banks/NBFCs at lower interest rates.
  • Tenure: Up to 7 years
  • Minimum Salary: Rs 20,000
     

Personal Loan Hybrid Term Loan

  • Purpose: Salaried individuals can withdraw and repay multiple times within the sanctioned limit; interest is charged only on the amount withdrawn.
  • Interest Rate: 14.50% p.a. onwards
  • Loan Amount: Up to Rs 35 lakh
  • Tenure: Up to 7 years (Moratorium: 1 year for 60–72 months tenure, 2 years for 84 months)
  • Minimum Credit Score: 725 or above

 

Tata Capital Personal Loan Eligibility Criteria (Salaried Individuals)

The eligibility for a Tata Capital personal loan depends on factors such as age, income, employment type, credit score, and work experience. The basic requirements are:

  • Age: 21 – 58 years
  • Minimum Monthly Income: Rs 15,000
  • Work Experience: At least 1 year
  • Credit Score: Minimum 725
     

Documents Required for Tata Capital Personal Loan

To apply for a personal loan, the following documents are typically required:

  • Identity & Address Proof: Aadhaar card, Passport, Voter ID, or Driving License
  • Income Proof: Last 2 months’ salary slips and last 3 months’ bank statement
  • Employment Certificate: Proof of at least 1 year of continuous employment

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Tata Capital Personal Loan – Contact Information

For any queries related to personal loans, you can reach Tata Capital through the following channels:

  • Toll-Free Number (India): 1860 266 6633
  • Customer Care Email: customercare@tatacapital.com

 

Apply for Personal Loan Across Various Loan Amounts

50000 Personal Loan 2 Lakh Personal Loan 4 Lakh Personal Loan 6 Lakh Personal Loan 15 Lakh Personal Loan 30 Lakh Personal Loan 50 Lakh Personal Loan
1 Lakh Personal Loan 3 Lakh Personal Loan 5 Lakh Personal Loan 10 Lakh Personal Loan 20 Lakh Personal Loan 40 Lakh Personal Loan 75 Lakh Personal Loan

Frequently Asked Questions

Everything you need to know about this personal loan

Interest rates start from 11.99% p.a. onwards, depending on the loan type and applicant profile.

You can apply for a loan ranging from Rs 40,000 up to Rs 35 lakh, based on eligibility.

Repayment tenure can be up to 6 years (72 months), except for Hybrid Term Loan which can extend up to 7 years

Both salaried individuals (age 21–58) and self-employed individuals/professionals (age 25–65) with stable income and minimum credit score 725 are eligible.

  1. Identity & Address Proof (Aadhaar, Passport, Voter ID, Driving License)
  2. Income Proof (salary slips, bank statements)
  3. Employment Certificate (for salaried individuals)

Yes, prepayment is allowed. Charges, if any, depend on the loan type and tenure; Hybrid Term Loan may have different conditions.

  1. Regular Personal Loan: Usually within 2–4 business days after verification.
  2. Instant/Small Personal Loan: Approved and disbursed immediately upon verification.

Yes, Tata Capital offers a personal loan balance transfer facility to move loans from other banks or NBFCs at lower interest rates.

Yes, a hard inquiry is generated, which may temporarily lower your CIBIL score if multiple applications are made in a short period.

You can calculate EMI using Tata Capital’s online personal loan EMI calculator by entering loan amount, interest rate, and tenure.

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