A Tata Capital Personal Loan can help you manage different personal expenses without providing collateral. Interest rates start from 10.99% p.a., and eligible borrowers can get loan amounts of up to ₹35 Lakhs.
The loan can be used for medical expenses, education, weddings, travel, home renovation, and other personal needs. Tata Capital also offers flexible repayment tenure of up to 72 months or 6 years.
Tata Capital Personal Loan Details
Here are the main details of a Tata Capital Personal Loan, including interest rate, loan amount, processing fee, and repayment tenure:
| Loan Details | Specifications |
| Interest Rate | 10.99% p.a. Onwards |
| Loan Amount for Govt. Employees | Up to ₹35 Lakhs |
| Loan Amount for Salaried Applicants | ₹40,000 to ₹35 Lakhs |
| Loan Amount for Women | ₹2 Lakhs onwards (Up to ₹35 Lakhs) |
| Processing Fee | Up to 5% of the loan amount + GST |
| Loan Repayment Tenure | 12 to 72 months (Up to 6 years) |
Tata Capital Personal Loan Interest Rates
Tata Capital Personal Loan interest rates range from 10.99% to 33% p.a.
| Customer Profile / Category | Interest Rate Range (p.a.) |
| Salaried Employees | 10.99% – 33.00% p.a. |
| Self-Employed Non-Professionals | 15.00% – 25.00% p.a. |
| Self-Employed Professionals (Non-Doctors) | 13.00% – 17.50% p.a. |
| Self-Employed Doctors | 12.00% – 15.00% p.a. |
| Annual Percentage Rate (APR) | 10.99% – 45.00% p.a. |
The final interest rate can depend on factors such as:
- Loan amount
- Credit score
- Repayment history
- Employment stability
- Monthly income
Tata Capital Personal Loan Fees & Charges
Before applying for a Tata Capital Personal Loan, check the processing fee, prepayment charges, foreclosure costs, and other applicable fees.
| Fee / Charge Component | Applicable Rates & Fees |
| Processing Fee | Up to 5% of the loan amount + GST |
| Penal / Late Payment Charges | 3% per month on defaulted amount (36% p.a. annualized) |
| Part-Prepayment Charges | Up to 25% of disbursed loan: Zero charges; Within 12 months: 6.5%; After 12 months: 4.5% |
| Foreclosure Charges | Within 12 months: 6.5% of outstanding principal; After 12 months: 4.5% of outstanding principal |
| Cheque / Payment Failure Bounce Charge | ₹600 per instance |
| Mandate Rejection Service Charge | ₹450 |
| Hybrid Term Loan Annual Maintenance Charge | 0.25% of dropline amount or ₹1,000 (whichever is higher) |
| Statement of Account Charges | Customer Portal: Free (Nil); Branch Walk-in: ₹250 + GST |
| Loan Cancellation Charge | 2% of facility amount or ₹5,750 (whichever is higher) |
| Documentation Charges | Up to ₹1,999 |
| Stamp Duty Charges | At actuals as per state statutory laws |
| Switch Fee (without Top-Up) | Principal up to ₹2 Lakhs: ₹500; Principal above ₹2 Lakhs: ₹1,000 |
Tata Capital Personal Loan Eligibility Criteria
You need to meet the basic eligibility requirements before applying for a Tata Capital Personal Loan.
| Eligibility Factor | Criteria Requirement |
| Age Limit | 21 to 58 years |
| Minimum Monthly Income | ₹20,000 per month (Salaried) / ₹15,000 per month (Self-Employed) |
| Minimum Work Experience | 1 year total experience (minimum 6 months in current job) |
| Preferred Credit Score | CIBIL Score of 725 or above |
| Nationality | Resident Indian citizen |
Documents Required for Tata Capital Personal Loan
Keep the following documents ready while applying for a Tata Capital Personal Loan:
- Photo Identity Proof: Aadhaar Card, PAN Card (mandatory), Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bills such as Electricity, Water, or Gas Bill, Rental Agreement, or Voter ID.
- Income Proof: Salary slips for the last 2 to 3 months and bank statements of the main salary account for the past 3 to 6 months.
- Employment Proof: Official appointment letter, Job ID Card, HR email confirmation, or 1-year continuous employment certificate.
- Photograph: Recent passport-size colour photograph.
Tata Capital Loan EMI Calculator
You can use the Tata Capital Personal Loan EMI Calculator to estimate your monthly loan repayment.
Enter the following details:
- Loan amount
- Interest rate
- Repayment tenure
The calculator can help you understand the expected EMI and plan your monthly budget before taking the loan.
Features & Benefits of Tata Capital Personal Loan
Here are some of the main features of a Tata Capital Personal Loan:
- No Collateral Required: Eligible borrowers can get up to ₹35 Lakhs without pledging property, gold, or other securities.
- Transparent Charges: Processing fees, interest rates, and other charges are disclosed before borrowing.
- Flexible Repayment Tenure: Choose repayment tenure of up to 72 months or 6 years.
- Quick Disbursal: Digital e-KYC can help speed up loan verification and disbursal.
- Zero-Charge Part-Prepayment: You can part-prepay up to 25% of the loan amount annually without additional charges.
- Hybrid Term Loan Facility: Withdraw funds from an approved limit as needed and pay interest only on the amount used.
Compare Tata Capital Personal Loan Vs Other Lenders
The table below compares Tata Capital Personal Loan interest rates and processing fees with other lenders:
| Banks/NBFCs | Interest Rates (p.a.) | Rates/ Charges |
| Tata Capital Bank | 10.99% onwards | Up to 3.5% |
| IDFC Bank | 9.99% onwards | Up to 3.5% |
| State Bank of India | 10% onwards | Up to 1.5% |
| Induslnd Bank | 10.49% onwards | Up to 3.5% |
| ICICI Bank | 9.99% onwards | Up to 2.5% |
| Federal Bank | 12% onwards | Up to 2% |
| L&T Finance | 11% onwards | Up to 3% |
| Bajaj Finserv | 10% onwards | Up to 3.93% |
| MoneyTap | 13% onwards | Up to 2% |
| Cashe | 27% onwards | Up to 3% |
Note: The above mentioned rates are subject to change with the finance market and differ marginally with the respect to the individual banks.
Types of Tata Capital Personal Loan
Tata Capital offers different types of personal loans to financial support any individual in need of finance. The types of loans are:
Tata Capital Personal Loan Overdraft Benefit
Tata Capital offers the benefit of withdrawing additional money whenever needed. The interest being paid only on the amount utilised. The personal overdraft loan is flexible, offering multiple withdrawals and part-payment at no extra cost.
| Loan amount | From 2 lakhs to 35 lakhs |
| Loan tenure | 12 to 84 months |
| Tata Capital overdraft interest rate | 13.99% p.a. onwards |
Tata Capital Loan for Medical Emergency
This loan covers all cosmetic, medical and dental procedures and surgery costs of up to 35 lakhs. Tata Capital offers medical emergency loans with affordable interest rates and flexible repayment terms.
| Loan amount in medical emergency | Rs 75,000 to 35 lakhs |
| Loan tenure | 12 – 72 months |
| Interest rate | 10.99% p.a. onwards |
Tata Capital Personal Loan for Education
This loan offers a convenient way to fund your education in India and abroad. Enjoy customised student loans with quick approval and competitive rates. Tata Capital education loans require minimal documentation, making it convenient for students to obtain a loan.
| Loan amount for education | Rs 75,000 to 35 lakhs |
| Loan tenure | 12 – 72 months |
| Interest rate | 10.99% p.a. onwards |
Tata Capital Marriage Loan
Take care of wedding-related expenses with a personal loan for marriage. The loan can cover venue expenses and all sudden financial needs. Enjoy a dream wedding by availing a loan from Tata capital at the best interest rate.
| Loan amount for marriage | Up to 35 lakhs |
| Loan tenure | 12 to 72 months |
| Interest rate | 10.99% p.a. onwards |
Tata Capital Personal Loan for Travel
Now with a personal loan for travel you can take a dream vacation. With flexible loan tenures and easy repayment terms, choose the best options that suit your requirements. Tata Capital travel loan covers all travel expenses from tour packages to aeroplane tickets.
Minimal documentation such as identity proof, salary slips, address proof, income proof and employment certificate is needed to get a loan online from Tata Capital.
| Loan amount for travel | Up to 35 lakhs |
| Loan tenure | 12 to 72 months |
| Interest rate | 10.99% p.a. onwards |
Tata Capital Personal Loan for Home Renovation
Elevate an old home to renovate to a brand new style with a touch of your personality. Through Tata personal loan for home renovation, enjoy restyling the home of your dreams. It covers all expenses of interior revamping and simple annual maintenance.
Tata Capital offers maximum loan eligibility along with flexible repayment options for you to turn your house into a comfortable home.
| Loan amount for renovation | Up to 35 lakhs |
| Loan tenure | 12 to 72 months |
| Interest rate | 10.99% p.a. onwards |
Tata Capital Personal Loan for Government Employees
Tata Capital offers quick and easy loans that are specifically tailored to government employees. These loans come with various features and benefits because of the stability and reliability of government employment. Here are some of the key aspects of Tata Capital personal loans:
| Interest rate | 0.99% p.a. onwards |
| Loan tenure | 12 to 72 months |
| Loan amount | Up to 35 Lakhs |
Tata Capital Personal Loan for Salaried Employees
Tata Capital gives personal loans for salaried employees. Employees can get a customised loan amount and borrow up to a maximum of Rs 35 lakhs at competitive interest rates. Tata Capital offers flexible repayment options, simple eligibility criteria and a tenure that can be customised to fit the borrower’s needs.
| Loan amount for employed | Up to 35 lakhs |
| Interest rate | 10.99% p.a. onwards |
| Loan tenure | 12 months to 6 years |
Tata Capital Personal Loan for Doctors
Doctors needing financial assistance can apply for a personal loan from Tata Capital. They can get an instant loan within minutes at competitive interest rates. To be eligible for a personal loan, doctors should get a minimum income of Rs 15,000 with a minimum work experience of 1 year.
| Total Loan amount | Up to 35 lakhs |
| Interest rate | 10.99% p.a. onwards |
| Loan tenure | 12 to 72 months |
Tata Capital Personal Loan for Self-employed
Tata Capital also offers personal loans for self-employed individuals for any financial requirement. Entrepreneurs or professionals running their own businesses often need funds to expand their venture or begin a new project. To be eligible for a loan they will need to be between 22 – 58 years of age with a monthly income of ₹15,000.
| Loan amount here | Up to 35 lakhs |
| Interest rate | 10.99% p.a. onwards |
| Loan tenure | 12 months to 6 years |
Tata Capital Personal Loan for Women
Tata Capital believes in empowering women by helping them be financially independent. It offers working women and housewives personal loans to achieve their long-term and short-term goals. With zero collateral and interest rates starting at just 10.99%,Tata Capital offers online loans for women. They also offer personal loans for housewives, provided a co-applicant has documented income
| Loan amount for women | 2 lakhs onwards |
| Loan tenure | Up to 30 years |
| Interest rate | Starting from 10.10% p.a |
How to Apply For Tata Capital Loans with Buddy Loan?
Follow these steps to apply for a Zype personal loan on 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 the next step? Apply for a Personal loan now!
Tata Capital Loan Repayment
Tata Capital Personal Loans are repaid through monthly EMIs over the selected loan tenure.
You can make payments through:
- e-Mandate using NACH/ECS
- NetBanking
- UPI
- Physical cheques
- Tata Capital website or app
You can also make a part-prepayment or fully close the loan early, subject to the applicable terms and charges.
Tata Capital Personal Loan Customer Care Number
You can contact Tata Capital for help with personal loan applications, EMI status, document verification, or account-related queries.
| Support Channel | Official Contact Details |
| Customer Support Helpline | (tel:18602676060) |
| Customer Service Email | contactus@tatacapital.com |
| Whistleblower / Ethics Email | ethics@tatacapital.com |
| Retail Support Portal | Tata Capital Retail Service Support |
| Branch Locator | Find Nearest Tata Capital Branch |
| Official Website | www.tatacapital.com |
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