Tata Capital Business Loan

Tata Capital Business Loans are designed to fuel the aspirations of entrepreneurs and business owners. They offer a range of financial solutions to meet your enterprise needs or expenses of a growing business.

These loans are provided with swift approval process, at competitive interest rates, and with flexible repayment terms, making them an ideal choice. Businesses looking to expand, invest in new equipment, manage working capital, or pursue new opportunities, can opt for the different types of instant business loans.

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Tata Capital Business Loan Details

Tata Capital offers business loans customised to meet the diverse needs of entrepreneurs and enterprises.

Check out the details of Tata Capital's Business Loans to empower you with the knowledge you need to make informed financial decisions for your business:

Loan Amount ₹40,000 to ₹75 lakhs
Loan Tenure 12 - 60 months
Interest Rates 15% per annum onwards
Note: Tata capital business loan interest rates change based on the type of business loan and are subjective.

Tata Capital Business Loan Interest Rates

Interest rates are an important factor in taking a loan; a good interest rate that goes in line with your expenses will help you save in the future.

There are several factors that influence Tata Capital business loan interest rates, but here are the general rates offered by Tata business loan-

Self Employed/Non Professionals 15% to 25% p.a.
Self Employed doctors 12% to 15% p.a.
Self Employed professionals (not doctors) 13% to 17.50% p.a.

Tata Capital Business Loan Fees & Charges

Apply for a business loan, as they come with careful consideration it is easy to plan and pay the interest amount and charges. These factors determine how your loan or your EMI will be affected To make your Tata business loan experience easier, the table below showcases various charges and fees while taking a TATA capital business loan:

1. Bounce Charges: Rs 2000 for every Cheque/ Payment Instrument Dishonor + GST

2. Mandate Rejection Service Charge: Rs 450 + GST

3. CCOD Annual Maintenance Charges:

First Year: 0.75% or 1000, whichever is higher per year, will be deducted from the limit and shall be payable at the end of the 13th month

Subsequent Years: 0.50% or 1000, whichever is higher per year, will be deducted from the limit and shall be payable at the end of the 13th month

4. Document Processing Charges: Rs 1,999 + GST

5. Foreclosure Charges:

4.5% on the future principal outstanding on the existing loan + Applicable taxes

No Foreclosure is allowed in the first 9 months. 6.5% charges if foreclosed within 9 months

6. Loan Cancellation Charges:

2% of the loan amount or Rs 5750, whichever is higher + GST

7. Payment Instrument Swapping: Rs 550 + GST

8. Duplicate NOC: Rs 550 + GST

9. Post Dated Cheque Charges: Rs 850 + GST

10. Stamp Duty: As applicable

Calculate EMI For Tata Capital Business Loan

Calculating the EMI for a Tata Capital business loan is a straightforward process, thanks to the availability of Business Loan EMI calculators. The tool helps you plan the monthly expenses by predicting the instalments over the tenure you'll need to repay.

To calculate your EMI, you'll typically need to input details such as the loan amount, interest rate, and loan tenure. The calculator will then provide you with a precise EMI figure.

Monthly EMI 86
Principal Amount 1,000
Total Interest 32
Total Amount 1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Tata Capital Business Loan Eligibility Criteria

This guide outlines the key factors Tata Capital considers when assessing business loan applications, providing an overview of the eligibility criteria to help improve your chances of approval.

Explore the requirements for business loan on Tata capital and get closer to securing your business loan:

Age: 25 to 65 years

Business should be profitable for 3 consecutive financial years

Business turnover must show an upward trend

CIBIL/credit score should be 700 or above

Balance Sheet and Profit & Loss Account audited by a registered CA

Sole proprietorships, partnerships, companies, societies, trusts, and healthcare organisations.

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Documents Required for Tata Capital Business Loan

Check the essential paperwork and documentation you need to prepare for your Tata Capital business loan application.

The table below provides an overview of the required documents to streamline your loan approval process for different TATA Capital Business Loan:

Identity Proof PAN Card, Voter ID, Driving License, Passport
Bank statement Last 6 months bank statements of the company
Tax Returns Last 2 years Income Tax Returns
Income Proof Balance sheet/ profit and loss account of last 2 years
KYC KYC documents of business and business owners
Business Proof Trade License, Sales Tax Certificate, Sole Proprietorship Declaration, Partnership Deed, Income Tax Returns along with computation for last 2 years or financial statements (Profit and Loss Statement and Balance Sheet) for the last two years

Compare Tata Capital Business Loans Over Other NBFCs

Comparing Tata Capital Business Loans with other NBFCs is a great approach to have a better understanding of what other banks or NBFCs offer.

Top Business Loan NBFCs Interest Rate (p.a.)
Tata Capital 12% onwards
Bajaj Finserv 9.75% onwards
Flexiloans 12% onwards
HDB Financial Services Ltd. Up to 36%
Indifi 18% onwards

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Note: The interest rates mentioned above are subject to change at the lenders' discretion.

Features & Benefits of Tata Capital Business Loan

Enjoy a range of exclusive features and benefits that come with a Tata Capital Business Loan:


Get flexible loan amount
up to 75 Lakhs

Superfast Loan Processing

Get quick loan disbursal

Zero Hidden Cost

No hidden charges
applied for your loan

Low Interest Rates

Interest rates starting
from 15%p.m.

Good Laon Tenure

Get loan tenure up to
5 years

Zero Colleteral

Get collateral free loans

Types of Tata Capital Business Loans

Tata Capital offers a wide range of business loans to meet the diverse needs. Tata Capital business loans are designed to help businesses finance their growth and expansion plans, purchase equipment, improve cash flow, and meet unexpected expenses.

Here are the different types of Tata Capital Business Loans:

Tata Capital Working Capital Loan

Tata Capital offers a variety of business loans for working capital, to take care of urgent financial needs including

Working Capital Demand Loan:

Loan provides a flexible line of credit for short-term financial needs,such as paying salaries, inventory, and other operating expenses.

The repayment tenure for this loan can range from 12 to 60 months.

Working Capital Overdraft Loan:

This loan allows businesses to overdraw on their current account up to a pre-approved limit.

Helpful for businesses that need to cover unexpected expenses or short-term cash flow gaps.

The interest on this loan is charged only on the amount that is withdrawn.

Invoice Discounting Loan:

This loan allows businesses to convert their outstanding invoices into cash, even before they are paid by their customers.

This can help businesses to improve their cash flow and meet their working capital needs.

Structured Products:

Tata Capital also offers a variety of structured financial products that can be customised to meet the specific working capital needs of businesses.

These products may include a combination of different types of loans, such as working capital demand loans, overdraft loans, and invoice discounting loans.

Tata Capital MSME/SME Loans

Tata Capital Business Loan for MSME/SME is a collateral-free loan that helps businesses grow. It can be used for a variety of purposes, including purchasing equipment, expanding operations, and hiring staff. The MSME loans are offered by various lenders including Tata Capital, let’s go through details from below:

Interest Rate 15% p.a. onwards
Loan Amount Rs 5 lakh to Up to Rs 75 lakh
Tenure of Loan Up to 3 years

Tata Capital Business Loan for Women

Tata Capital Business Loan for Women is designed to help women entrepreneurs scale their businesses. It is a collateral-free loan with flexible repayment options.

Interest Rate:

For self-employed non-professionals 15% – 25% p.a.
For self-employed doctors 12% – 15% p.a.
For self-employed professionals other than doctors 13% to 17.50% p.a.

Loan Amount : Rs 5 lakh to Up to Rs 75 lakh

Tenure of Loan: Up to 3 years

Tata Capital Business Loan for Machinery

Tata Capital Business Loan for Machinery helps businesses buy new machinery and equipment without collateral and with flexible repayment options.

Interest Rate: 15% p.a. onwards

Loan Amount : Rs 5 lakh to Up to Rs 75 lakh

Tenure of Loan: Up to 3 years

Tata Capital Term Loans

Tata Capital Business Loan for Machinery helps businesses buy new machinery and equipment without collateral and with flexible repayment options.

Interest Rate: 15% p.a. onwards

Loan Amount : Up to Rs 2 crores

Tata Capital Business Loan Structured Products

Tata Capital Business Loan Structured Products are customised financing solutions designed to meet the specific needs of businesses of all sizes. Here are some of the options offered by Tata Capital under this facility:

Debt Syndication: Tata Capital debt syndication is a service that helps businesses raise funds (in rupee and foreign currency) for a variety of purposes, such as business expansion, acquisition, refinancing, and debt restructuring.

Structured investments: Tata Capital Structured Investments is a service that provides businesses with access to mezzanine capital in the form of convertible bonds or non-convertible debentures. Mezzanine capital is a type of financing that falls between debt and equity. It is typically subordinated to debt, which means that it is repaid after debt in the event of liquidation. However, it also has some equity-like features, such as the potential to convert into equity if the business meets certain performance targets.

Loan Against Securities: Loan Against Securities (LAS) is a business loan facility that allows businesses to raise capital by pledging their securities, such as equity shares, bonds, mutual funds, or government securities. LAS loans are typically secured loans, meaning that the lender has the right to sell the pledged securities if the borrower defaults on the loan.

Letter of Credit (LC): A Letter of Credit (LC) is a financial instrument issued by a bank to a buyer or importer, guaranteeing payment to a seller or exporter upon fulfilment of certain conditions. LCs are commonly used in international trade to reduce the risk of non-payment for both parties involved.

Lease Rental Discounting: Lease rental discounting is a financing solution that allows businesses to convert their future lease receivables into cash today. This can be a useful tool for businesses that need to access cash quickly to finance growth or other expenses.Tata Capital offers lease rental discounting to businesses of all sizes.

Loan Against Property (LAP): Tata Capital offers LAP loans to businesses that pledge their residential or commercial property as collateral. Businesses can borrow up to 70% of the property value, with tenures of 1 to 9 years. LAP loans are collateral-free, have flexible repayment terms, competitive interest rates, and a quick and easy application process.

Tata Capital Business Loan for Equipment Financing & Leasing

Tata Capital Business Loan for Equipment Financing and Leasing is a loan facility that helps businesses acquire the equipment they need to grow and operate their businesses. The loan can be used to finance the purchase of a variety of equipment, including machinery, vehicles, and IT equipment.

1. Tata Capital Equipment Finance: offers term loans, operating leases, and hire purchase solutions to help businesses purchase equipment for expansion, working capital, and other needs.

Term Loans: can be used for expansion, repaying debt, upgrading technology, investing in R&D, and working capital. The bank offers an LTV ratio of 70-80% of the equipment value.

Tata Capital Buyer's Credit: Tata Capital Buyer's Credit is a short-term loan that allows importers to buy goods from overseas suppliers on deferred payment terms. The loan is issued by a foreign lender, typically based on a letter of credit.

Digital Equipment Loans: Tata Capital offers pre-approved digital machinery loans of Rs 10 lakh to Rs 1 crore with 2-5 year terms.

2. Tata Capital Equipment Leasing: lets businesses acquire equipment without upfront investment, conserve working capital, improve cash flow, reduce obsolescence risk, and get tax benefits. Businesses must be registered in India, have good credit, and have a clear purpose for the lease.

Tata Capital Construction Finance

Tata Capital Construction Finance provides loans to real estate developers in select cities, based on the project, developer, and market conditions.

Tata Capital Commercial Vehicle Finance

Tata Capital Commercial Vehicle Finance offers term loans, WCDL/TL, refinance, structured finance, and top-up loans for up to 100% financing of new and used commercial vehicles. It offers customised solutions with minimal documentation.

Tenure of Loan: Up to 5 years

Tata Capital Construction Equipment Finance

Tata Capital Construction Finance offers new asset finance, working capital loans, letter of credit, refinance, structured finance, and leases for up to 100% financing of construction equipment, with minimal documentation.

Tenure of Loan: Up to 5 years

How Do You Apply for Tata Capital Business Loans with Buddy Loan?

Steps To Apply For a Personal Loan with Buddy Loan

  • Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
  • Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
  • Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
  • Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
  • Step 5: Enter your work details (Including company name, years of service and Designation)
  • Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
  • Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

Ready to take next step ?

Frequently Asked Questions

Tata capital business loan interest rate starts from 15% per annum and can go up based on the type of business loan availed.

For a Tata business loan, the CIBIL score should be a minimum of 700 or above.

Tata Business Loans are available to self-employed individuals and business enterprises with a good credit history and valid PAN and Aadhaar cards.

It is possible to get a 1 crore Tata Business Loan without collateral, but it is not easy. Tata Capital will consider a number of factors when making a decision on whether or not to approve a loan without collateral.

Tata Capital typically approves business loans within 72 hours.

Tata Capital business loans have a tenure of 12 to 60 months.

No, you cannot get a Tata Business Loan without income proof.

Tata Capital offers a variety of business loans, with maximum loan amounts ranging from ₹50,000 to ₹1 crore. The specific loan amount you are eligible for will depend on your business's credit history, financial performance, and the purpose of the loan.

To get a business loan without a salary slip, you can provide alternative income proofs, such as bank statements, income tax returns, or business registration certificates.

The documents required for a small business loan from Tata are KYC documents, business proof, income proof, and bank statements.

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