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When financial emergencies knock at your door, turn to your trusted partner- Tata Capital. Our customized personal loans help you fund all big-ticket expenses in no time. Whether you want to take care of a family medical emergency,engage in a home improvement project,or apply for an educational course, everything is possible with Tata Capital's flexible and tailored Personal Loan. Apply today to finance all your requirements conveniently with our attractive interest rates and easy-to-meet eligibility criteria.
Need a personal loan for education quickly? No worries! We understand your time is precious and you need quick funds before the deadline. That's why our Personal Loan Application Process is entirely online and requires minimal paperwork. This means you don't even need to visit a physical branch. With Tata Capital, you can easily apply for a personal loan for Personal Loan for Education online. Read on to understand how to apply for a loan online.
Wondering how to apply for a Personal Loan? We've got you covered. With Tata Capital's personal loan apply online feature, you can apply for a quick loan without even stepping out of your house.
Don't know how to apply for a loan online? Don't worry. Just follow the simple steps given below to apply for Personal Loan online within minutes. Our personal loan for education how to apply process is very easy.
Ready to get a personal loan? Apply with Tata Capital using any of the following methods:
The process of sanctioning a personal loan is straightforward as it is a collateral-free loan with minimal documentation requirements. Once you have applied along with the necessary documents, here’s how it is processed-
1. Once the lender receives your personal loan application, they will verify and confirm your personal details and address through your KYC documents.
2. They will also verify your banking and income details such as salary deposits made into the account, salary payslips, or income tax returns to determine your repayment capacity.
3. The lender might also consider your credit score to ascertain your creditworthiness
4. Finally, the lender will consider your age, number of years of employment left, etc., to determine the loan amount it can offer along with the repayment period.
If all documents are in order and you are eligible for the loan, the lender will approve your loan application.
Tata Capital offers an online personal loan application process. Follow the steps given below to submit the loan application online.
That's it. Once your personal loan application and submitted documents are verified, the sanctioned loan amount will be disbursed into your account. The online personal loan application process streamlines the submission of essential details, documentation, and other required information.
The time to approve a personal loan application can vary depending on several factors. After submitting the loan application, lenders sanction it based on the applicant's profile, the details provided, confirmation processes, and the loan application complexity.
With us at Tata Capital, once you submit your application and necessary documents, the approval process generally takes 72 hours. However, this period may vary depending on the totality of your application and the verification process.
By visiting Tata Capital's website, you can track the status of your personal loan application. You can use either of the methods given below:
#1. Mobile number: You can use the mobile number you provided with your loan application to track the status of your application online.
#2. PAN: You provided Tata Capital with your PAN number during the loan application process. You can use this for online application tracking as well.
Additionally, you can contact your sales representative for more details. If there is any issue, please call us at 1860-267-6060 or e-mail us at contactus@tatacapital.com or click here to visit any of the nearest Tata Capital branches.
Here's the list of documents applicants must submit as part of Tata Capital’s personal loan application process:
#1 Application form: Duly-filled complete application form with your recent photograph.
#2 Identity proof: Besides the self-attested copy of your PAN Card, you must submit a copy of your Voter ID, Aadhaar Card, Passport, or Driving License.
#3 Address proof: A copy of your electricity bill, Ration Card, or Passport.
#4 Income proof: A copy of your last three months' salary payslips and bank statements if you are a salaried individual. And if you are self-employed, a copy of your savings and current account statements for the past year and Income Tax Returns filed for the preceding year are needed.
#5 Employment proof: A copy of your Employment Certificate declaring one year of continuous employment if you are a salaried individual. And if you are self-employed, a copy of your Tax Registration, Company Registration License, or proof of Shop Establishment is required.
Even if you have an existing loan, you can still initiate a personal loan application process with Tata Capital. But you must remember that factors like existing debt, debt-to-income ratio, assets and liabilities, and credit score can affect your eligibility and loan amount.
We assess your repayment capacity before approving loans, so ensure you can manage the additional debt before applying.
A personal loan application includes a processing fee. It covers the administrative costs associated with loan processing.
A processing fee of up to 5.5% of the loan amount and required document charges for a personal loan application process are applicable with Tata Capital. At the time of the disbursement of the loan, the fee is deducted from the loan amount. The personal loan processing fee is a one-time, non-refundable fee regardless of whether or not your loan is approved.
If your loan application has been rejected, there might be several reasons behind it. Some common causes include a low credit score, high existing debt, insufficient documentation, failure to meet the eligibility criteria, insufficient income, or unstable employment.
In such cases, the best option would be to apply for a secured loan (in case of emergency), work on improving these factors or ask for a lower amount and re-inititiate the personal loan application process.
The online personal loan application process on the Tata Capital website is secure. Our website equips strong security measures for all personal and financial information submitted online. These measures include data encryption protocols and secure data transmission.
Also, we prioritise the confidentiality of consumer information and have implemented strict data privacy regulations to ensure that your confidential data is not shared with unauthorised third parties.
As part of Tata Capital’s personal loan application process, applicants must meet the following standard eligibility criteria.
But there are some additional documents that self-employed individuals or business owners need to submit as part of the personal loan application process. These include:
#1. Proof of the existence of the business: Proof of Tax Registration, Company Registration License, or Shop Establishment.
#2. Identity Proof documents: Passport/Voter's ID/PAN Card/Driving License
#3. Residence Proof documents: Passport/Aadhaar Card/Utility Bill/Ration Card
#4. Bank Account Statements: Savings and Current account statements for the past one year.
#5. Income Tax Returns filed for the preceding year.
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