Tata Capital Personal Loan

Need financial aid to fund your personal expenses? Tata Capital can provide you with exactly what you need. Avail a Tata Capital Personal loan without the need for collateral today! You can enjoy the easy application, eligibility criteria, exclusive offers like interest rates at 10.99% and unconstrained end-use for urgent expenses. Resolve your financial woes with a Tata Capital pre-approved personal loan.

Tata Capital Personal Loan Details

Tata Capital offers a wide range of personal loans with affordable interest rates. With flexible repayment options, a nominal processing fee, and other charges you can estimate your loan amount. Some important details of Tata's personal loan are:

Interest rate 10.99% p.a. Onwards
Loan amount for govt. employees Up to Rs 35 Lakhs
Loan amount for salaried Rs 75,000 to Rs 35 Lakhs
Loan amount for women Rs 2 Lakhs onwards
Processing fee Up to 3% of the loan amount + GST
Loan repayment tenure Up to 6 years

Tata Capital Personal Loan Interest Rates

Tata Capital loan interest rates range from 10.99% to 29% p.a. Loan amount, credit score, repayment term, monthly income, and more will determine the interest rate given to the applicant.

Interest Rate for Salaried 10.99% - 29% p.a
Interest Rate for Self-Employed Non-Professional 15% - 25%
Self-Employed Professional Other than Doctors Interest Rate 13% - 17.5%
Interest Rates for Self Employed Doctors 12% - 15%

Tata Capital Personal Loan Fees & Charges

Tata Capital has other personal loan fees and charges apart from the interest rate. These costs are levied on the applicant when they avail of a tata capital personal loan. The fees and charges are given below‌:

Processing fee 1% - 3% + GST
Late payment charges 3% on overdue amount
Part payment charges 2.5%
Foreclosure charges Up to 4.5%
Bounce charges Rs 600

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Tata Capital Personal Loan Eligibility Criteria

Tata capital personal loan eligibility criteria are easy to meet. The exact eligibility criteria will vary depending on the loan amount and other factors. The criteria that an individual must meet are:

Age 22 - 58 years
Minimum monthly income Rs 20,000
Minimum work experience 1 year

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Documents Required for Tata Capital Personal Loan

A complete set of documents while applying for a loan will ensure a smooth application process. The documents required for a Tata Capital loan are:

Tata Capital Loan EMI Calculation

Your personal loan EMI can be calculated, now use the Tata Capital loan calculator on the website. Evaluate your repayment capability EMI based on the principal amount, rate of interest and repayment tenure.

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 (%)

You can also calculate the loan EMI by using the formula:

E = P x R x (1+R)^N / [(1+R)^N - 1]

  • E = monthly instalment.
  • P = principal amount.
  • R = rate of interest.
  • N = tenure in years.

Features & Benefits of Tata Capital Personal Loan

With a Tata Capital pre-approved personal loan you can enjoy a wide range of features and perks. They are:

Multi-Purpose Loan

Avali a loan for travel
wedding, future studies or
any other purpose

No collatral

No security is needed
for a personal loan

Overdraft Facility

Pay interest only on
the amount withdrawn.

0 Part prepayment charge

No charges on part
prepayment of 25% in
a years

Competitive interest rate

Get a loan at 10.99%
interest rate

Fast disbursal

Enjoy quick disbural of a
personal loan under 5

Compare Tata Capital Personal Loan Vs Other Lenders

Comparing personal loan lenders will help you get the best loan terms and competitive interest rates. It provides you with different options, ensuring the right deal that suits your requirements. Let us look into the various banks and NBFCs' personal loan rates and processing fees available in the market:

Banks/NBFCs Interest Rates (p.a.) Rates/ Charges
Tata Capital Bank 10.99% - 29% p.a 1% - 3% + GST
Kotak Mahindra Bank 10.99% p.a onwards Up to 3%
IDFC Bank 10.49% p.a onwards Up to 3.5%
State Bank of India 9.60% p.a onwards 1.5%

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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

Repayment is an important process of paying back the borrowed funds to a lender. It is done through monthly instalment payments over a predetermined tenure.

Tata Capital loan payments can be made in various ways. The loan can be repaid online through the website or app, by phone call to the Tata Capital customer service line, by mail or in person. Ensure regular and timely payments will improve credit scores and financial credibility.

Tata Capital also offers loan foreclosure options, where a loan can be paid off in part or full before the loan tenure ends. They also have a prepayment calculator to help determine the pending amount to be paid.

Frequently Asked Questions

Tata Capital is a financial services company in India offering various lending solutions.

The minimum salary required for a personal loan is Rs 20,000.

You can check your loan details by visiting Tata's official website, logging in to your account, and navigating to the loan section for details.

You can visit the official website, select the personal loan tab, and click 'track my application.' Enter the necessary details, and you can check the loan status.

Tata Capital takes about 72 hours to disburse a loan after submitting documents and approval.

Following a specified tenure, you can clear your loan through equated monthly instalment (EMI). You can also clear your loan by prepayment or part-prepayment.

Tata Capital has a payment gateway system on its website where you can pay your loan.

You can change your EMI date by raising an EMI date change request via email at customercare@tatacapital.com or through the Tata Capital customer portal.

The maximum loan amount for Tata Capital personal loan is 35 Lakhs.

You can make a part-prepayment of your loan with Tata Capital.

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