Up to ₹35.00 Lakh
11.99% - 29.99%
1 - 6 Years
₹Up to 5%
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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Apply NowTata 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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Apply NowTypes 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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Apply NowTata 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
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