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In case your loan is linked to I-Base the rate of interest on your loan would increase by 0.25%.

Loans linked to FRR and PLR the rate of interest will increase by 25 basis points (i.e. 0.25%), due to the change in the FRR/PLR on August 23, 2013. This will correspondingly, impact your EMI or tenor.

Rs.10 Cr is the maximum loan amount that can be applied for. We also have an overall cap that the Loan Amount cannot exceed 80% of the market value of the property for which Home Loan is applied.

You can include your spouse/parents/children/ siblings as a co-applicant for the Home Loan and we shall consider his / her income to enhance your loan eligibility.

The initial fee of Rs. 5,618 ( or Rs.11,236 if the Loan Amount is more than Rs.1 Cr) that we collect from the customer is Non Refundable as the same goes towards recovering the expenditure relating to Processing the Loan application.

Our Turnaround Time (TAT) varies with the level of complexity in the case, cooperation of the customer in disclosing all his financial obligations & income sources as well as the profile of the customer. We have a dedicated team of Credit Managers who strive to deliver a decent TAT to the customer. Normally, after the file of the customer is handed over to us, we give a confirmation by issue of a SANCTION LETTER to the customer within 4-5days for Salaried Clients & 7-8 days for Self Employed clients.

Rs.10 Cr is the maximum loan amount that can be applied for. We also have an overall cap that the Loan Amount cannot exceed 80% of the market value of the property for which Home Loan is applied.

You can include your spouse/parents/children/ siblings as a co-applicant for the Home Loan and we shall consider his / her income to enhance your loan eligibility.

The initial fee of Rs. 5,618 ( or Rs.11,236 if the Loan Amount is more than Rs.1 Cr) that we collect from the customer is Non Refundable as the same goes towards recovering the expenditure relating to Processing the Loan application.

Our Turnaround Time (TAT) varies with the level of complexity in the case, cooperation of the customer in disclosing all his financial obligations & income sources as well as the profile of the customer. We have a dedicated team of Credit Managers who strive to deliver a decent TAT to the customer. Normally, after the file of the customer is handed over to us, we give a confirmation by issue of a SANCTION LETTER to the customer within 4-5days for Salaried Clients & 7-8 days for Self Employed clients.

Our Turnaround Time (TAT) varies with the level of complexity in the case, cooperation of the customer in disclosing all his financial obligations & income sources as well as the profile of the customer. We have a dedicated team of Credit Managers who strive to deliver a decent TAT to the customer. Normally, after the file of the customer is handed over to us, we give a confirmation by issue of a SANCTION LETTER to the customer within 4-5days for Salaried Clients & 7-8 days for Self Employed clients.

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At Tata Capital, we offer loans with multiple repayment options. Our Flexi EMIs allow you to choose a plan that suits your need as per your cash flow.

Step Up Flexi EMI plan

Increase your EMIs gradually, every year, and repay your loan conveniently.

Is it ideal for me?

If your EMIs are burning a hole in your pocket, this plan will give you the much-needed relief. It gives you the freedom to increase your EMI along with your yearly pay hike.

Step Down Flexi EMI plan

Lowers your EMI, every year, and repay your loan faster.

Is it ideal for me?

Opt for this plan if you have a high disposable monthly income. It is especially ideal if you are planning to retire and wish to build an asset quickly.

Bullet Flexi EMI plan

Allows you to prepay your loan in parts at periodic intervals and lower your EMI considerably.

Is it ideal for me?

If you are expecting a bonus or periodic increments on your regular income, this plan is apt for you.

We finance almost all passenger cars and multi-utility vehicles manufactured by India's leading automobile companies. Imported vehicles are also funded on case-to-case basis.

The tenure of loan could be from one to maximum seven years for new cars and for used cars. The age of the car at loan maturity should not cross 9 years subject to maximum loan tenure of 5 years and vehicle type.

The stages of availing a car loan include:

  • Application
  • Processing
  • Documentation
  • Sanctioning of the loan
  • Disbursement

 

These are generally approved within 24-36 hours of submission of the complete document.

No additional security/collateral needs to be provided, apart from the car against which the loan is granted, being hypothecated to Tata Capital documentation.

Generally, no. But if your income does not meet our credit criteria, then you may require a guarantor to stand surety for your loan.

Your spouse or any blood relative staying in the same residence as yours can be a co-applicant.

The loan can be repaid through ECS, Direct debit and post-dated cheques drawn on 'Tata Capital Financial Services Limited'.

You can prepay the loan, if you are closing it fully. However, we do levy a prepayment charge. For more details, view our service charges.

Imported vehicles are also funded on case-to-case basis. The lending rates are dependent on various factors including cost of funds, customer credentials, geography, asset, tenor and discounts offered in the market. Tata Capital ensures that you get a transparent and good deal at the time of availing the loan.

You can approach us in any of the following ways:

Write to contactus@tatacapital.com or SMS 'Auto' to 56161561.

Yes, you can avail of a loan on your existing car. Up to 120% of the existing value of your car shall be available as cash at your disposal subject to a maximum of Rs.20 lacs.

Yes, registration is included in a few loan offerings, but insurance of the vehicle does not form part of this value and would need to be paid up-front.

No, the tenure, once selected, is fixed for the life of the loan.

Yes, we do offer funding up to 100% of the ex-showroom price on select models, subject to the applicant meeting our underwriting criteria.

No, the EMI is fixed for the life of the loan. However, we offer flexible solutions to fit your requirement.

It takes us 24-36 hours from the completion of documentation to sanction a loan.

  • Salaried individuals
  • Self-employed individuals
  • Partnership firms
  • Public and Private Ltd. companies
  • HUFs and Trusts
                                                                                                                                                           
A personal loan is an unsecured loan. This means you don't have to put up any collateral, as with a car loan or a home loan, where the underlying asset is mortgaged with the lender. You do not need a guarantor either. There are several other advantages as well, such as minimum documentation, fast processing etc. Furthermore, you can use this loan for any purpose you like.

You can avail of personal loans ranging from Rs.75,000 to Rs.15,00,000, depending on your eligibility, income and repayment capacity.

The loan can be repaid over a period of 12 to 60 months.

A processing fee is payable upfront. This fee will be deducted from the disbursal amount payable to you.

Loans are approved within 72 hours of submission of complete documentation.

A personal loan is an unsecured loan. This means you don't have to put up any collateral, as with a car loan or a home loan, where the underlying asset is mortgaged with the lender. You do not need a guarantor either. There are several other advantages as well, such as minimum documentation, fast processing.  Furthermore, you can use this loan for any purpose you like.

You may repay through ECS (Electronic Clearance System) by instructing your banker to deduct the EMI (Equated Monthly Installment) from the nominated Bank Account, or you may also pay through post-dated cheques, favouring Tata Capital Financial Services Limited.

Yes, you can prepay the entire outstanding loan amount any time after 180 days of availing the loan.

We also offer part pre-payment facility without any additional charges.

  • Part payment is only permissible, free of charge, 6 months after the disbursal of the loan
  • Maximum of 25% part payment is permissible within an annual cycle and with a gap of more than 6 months between two part payments.

For any loan-related queries, you can call our representative on 1800 209 6060 or mail us at contactus@tatacapital.com

Yes, you can avail personal financefor business purposes.

We offer top-up facility depending on the original loan tenure after the payment of 8-18 EMIs.

If you wish to procure the post-dated cheques or security post-dated cheques that remain un-banked at the end of the loan tenure or details regarding the same, you should raise a request within 30 days of closure of the loan or change the repayment mode. If this is not done, Tata Capital shall have the discretion to destroy the un-banked post-dated cheques including security post-dated cheques without any further notice and Tata Capital shall not have any obligation to return the same to you.

For prepayment of your personal finance account, visit our branch or call us at 18002096060. We request you to carry the following documents while visiting the branch:

  • Statement stating the clearance of the last installment
  • Request letter signed by the loan applicant
  • Foreclosure statement
  • PAN card

The payment can be made through cash, cheque or demand draft.

To update your personal details, you may call one of our Customer Care Representative on our toll free number 1800 209 6060, or email us at customercare@tatacapital.com or visit our nearest branch. (KYC documents will be mandatory in case of any change in your mailing address.

                                                                                                                                                           

An unsecured business loan from Rs.3lakhs up to Rs.50lakhs may be availed.

The loan tenure can range from 12 months to 36 months.

The interest rate is fixed.

You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.

To avail the loan, simply call 1800-209-6060. You can also e-mail us at customercare@tatacapital.com or visit any of our branches.

We offer business loans to both professionals and non-professionals, who are self-employed. Among self-employed professionals, we also offer exclusive loans for doctors with special features such as competitive interest rates and quick approval. The customer segment covered under Business Loans is listed below:

  • Sole Proprietorship
  • Partnership Firm
  • Private Limited Companies
  • Closely held Public Limited Companies
  • Societies
  • Trusts
  • Hospitals, Nursing Homes, Diagnostic Centers, Pathological Labs

To know more about the eligibility criteria of business loans, Click Here.

                                                                                                                                                           
A consumer durable loan is a finance option for the purchase of consumer durables such as household appliances, electronic gadgets etc.

You can choose from flexible tenor options ranging from 6 to 24 months.

You need to provide a valid Address Proof, Income Document, Photo Id Proof, and PDCs/ECS. Depending on the credit program you are opting for, you will be required to provide additional documents.

In most cases, you won't have to pay anything more than the agreed purchase price. For other products/schemes, we charge our regular rate of interest. A nominal processing fee may be charged on special offers.

Walk into any Croma/Reliance consumer durables outlet and connect with our in-store executive.

                                                                                                                                                           

An application to change the communication address and the updated address proof.

Yes, you can apply for another loan.

Yes, you can prepay but only after 6 months.

No, you cannot make part pre-payment.

No, you don't need a guarantor.

                                                                                                                                                           

An application is required to change the communication address and the copy of the new address proof

Yes, you can apply for another loan.

Yes, you can prepay but only after 6 months.

No, you cannot make part pre-payment.

It generally takes 2 days for you to get your two wheeler loan.

No, you don't need a guarantor.

Your Spouse or any blood relative staying in the same residence as yours can be a co-applicant.

Neither the tenure nor the loan amount can be changed.

Salaried, Self-employed, partnership firm, public and private limited companies, HUFs and Trusts.

                                                                                                                                                           

Loan against property is a loan extended on a pre-owned property (Residential, commercial and alternate property) for a legitimate end use that is disclosed upfront. It is a loan against secured/free-of-charge market value of a property.

You can avail loans ranging from Rs.5 lakhs to Rs.5 crores depending on your collateral property value, income eligibility and repayment capacity.

The loan can be repaid over a period of 12 to 180 months.

1% - 1.25% of the Loan amount is collected from the customer depending on property type.
Lucrative Processing Fee options are available for key corporates. The fees are collected in the following manner:

A non refundable Processing Fee of Rs.1000/- (Flat including Service Tax) for loan amount up to Rs.3.00 Cr and Rs. 5000 (Plus service tax) for loan amount greater than Rs. 3.00 Cr is payable upfront with the application form. Further, processing fees as per grid will be payable post sanction and prior to disbursement of the loan.

You may repay through ECS (Electronic Clearance System) by instructing your banker to deduct the EMI (Equated Monthly Instalment) from the nominated bank account or you may repay the loan through post-dated cheques favouring Tata Capital Financial Services Limited ('TCFSL').

We assess the applicants' repayment capacity and the proposed collateral property value while deciding on the loan eligibility. Repayment capacity is based on factors such as applicant and co-applicant's income, age, number of dependents, financials, banking habits, loan repayment history and business/employment stability.

Yes, you can prepay your outstanding loan amount in parts or in full. Prepayment charges as applicable would be levied on the outstanding loan amount.

You can apply for the loan by writing to contactus@tatacapital.com or calling us on 18002096060.

Self-occupied residential property, commercial property (offices, shops etc.) and alternate property (Residential Plots, Schools, hospitals, Industrial Property, hotels) can be considered as collaterals.

Yes, you can. However, all the co-owners of the property will also have to become co-applicants of the loan.

                                                                                                                                                           

The purpose of loan against securities is to take care of all your investment as well as personal needs, and to help you meet your contingencies.

Yes, this is a unique feature of loan against securities. You enjoy all the benefits of being an investor like dividend or bonus, while your shares/mutual fund units are pledged to Tata Capital Financial Services Limited for loan purpose.

No, currently Tata Capital deals with Bonds/FMP's as selected by the company.

You can pledge your own securities, or those of your blood relative (parents, spouse, children and siblings only) above 18 years of age. If you are pledging securities that belong to anyone other than yourself, the security holder must be a signatory to the overdraft agreement as a Co-Applicant. Check for eligibility.

The loan amount ranges from Rs.5 lacs to Rs. 10 crores (7.5 crores against Shares/Mutual Funds and 10 crores against Bonds/Debt Instruments). On specific approved scripts, Tata Capital may finance as single script finance based on terms and conditions being met and approved.

Yes, an e-statement can be sent to your email account.

Yes, all the shares must be in the Demat form only. Mutual fund units can be in Demat or in physical form.

Yes, you can avail a loan against your shares by simply converting them into the dematerialized form through a depository account.

Yes. You can pledge shares held with any Depository Participant in NSDL or CDSL.

An overdraft account will be set up with Tata Capital Financial Services Limited. This account will have a certain drawing limit, which you can utilize as and when required. Drawing limit depends upon the quality and quantity of the shares/mutual fund units pledged by you.

Yes the account limit is fixed but the drawing power varies as per the market value of the shares/mutual fund units. You may also change the drawing power by pledging more shares/mutual fund units, or decrease it by withdrawing the securities.

The portfolio will be revalued daily. However, in case of a sharp fall in market prices, an interim revaluation may happen any time.

You will be charged a nominal processing fee. The interest will be charged only on the amount you draw and for the period that you draw it. Also, the interest will be charged on a daily basis, but will be debited to your account only once a month. Visit our Service Charges page to know more.

No personal guarantor is required to avail the facility.

You will not be required to give any other collateral or security apart from the shares/mutual fund units, against which the loan is guaranteed.

Yes, you can prepay your loan when you want.

You can call us at any time on our customer care number, 1800-209-6060, to check the status of your account, details of the shares/mutual fund units pledged, the amount availed against different scripts/units, details of shortfall if any etc.

Yes, you may pledge more securities to increase the drawing power of your account. It will take 2 business days for the drawing power to change. You can change the Depository Participant ('DP') but the Sanction Limit cannot be changed. The TAT will be a maximum of 2 days.

A monthly notification will be given, informing you about the interest due. You can make the payment through ECS/Cheque/Pay Order/Demand Draft.

Simply fill an application form available at any of our branches or SMS 'LAS' to 56161561 and we will get back to you within two business days. You can also get in touch with us by calling at 1800 209 6060.

The actual time taken to sanction and process the loan depends on the time taken to establish the creditworthiness of the borrower.

Yes, you can still avail the loan based on your profile, credit strength etc. Please feel free to contact us, so we can advise based on the merits of your case.

Yes, you can make part-prepayment of your loan any time after 3 months.