Personal loan starting
@ 10.99% p.a
All you need to know
Personal loan for all your needs
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An instant personal loan online from Tata Capital is an unsecured financing solution designed to help you meet your financial needs quickly and conveniently. Whether you are planning a vacation, managing unexpected medical expenses, covering wedding costs, or upgrading your home, a personal loan allows you to access funds without providing any collateral. With fixed EMIs and flexible repayment tenures, it ensures predictable monthly outflows while addressing immediate financial requirements.
Tata Capital offers instant personal loans of up to ₹35 lakh to eligible individuals with a credit score of 725 and above, at competitive interest rates through a seamless digital process. Features such as multiple tenure options, the ability to choose your EMI repayment date, and the flexibility to avail multiple loans make borrowing simple, transparent, and tailored to your lifestyle.
Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan amount offered
₹40,000 - ₹35,00,000
Loan tenure
Upto 6 Years
Interest rate starting @
10.99% p.a
Tata Capital is a name you can trust. We believe in a customer-first approach and ensure a transparent process to build a relationship of reliability. Securing personal loans online or offline from us is beneficial in more than one way:
There are several types of personal instant loans online designed to meet different financial needs. Here are the main types of personal loans:
Unsecured personal loans: Offered without collateral, these loans are based on your income, credit score, and repayment history. They are ideal for quick financial needs.
Secured personal loans: These personal loans are backed by collateral such as property, gold, or fixed deposits. You can avail this type of online personal loan at lower interest rates.
Debt consolidation loans: These help merge multiple debts into one loan with a lower interest rate, simplifying EMI management and enhancing repayment discipline.
Age: 21 to 58 years
Minimum monthly income: ₹15,000 (₹25,000 in metros)
Employment stability: Minimum 1 year at current job, 2 years total experience
CIBIL score: 725+ preferred
Nationality: Indian resident
Age: 25 to 65 years
Business vintage: Minimum 3 years of business operation
Minimum annual income: ₹3 lakh
CIBIL score: 725+ preferred
ITR: Filed for last 2 years
Business proof: Registered enterprise or professional practice
Identity and Age Proof
PAN card (mandatory)
Aadhaar card
Voter ID, passport, or driving licence
Address Proof
Aadhaar card
Utility bill (electricity, water, gas)
Passport or rent agreement
Income and Financial Proof
For Salaried Individuals:
Latest 3 months' salary slips
Form 16 for the last 2 years
Bank statements for last 3-6 months of salary account
Employment ID card or offer letter
For Self-Employed Individuals:
ITR for the last 2-3 years
Audited financial statements
GST returns
Business registration proof
Bank statements for last 6-12 months
Rates start at 10.99% p.a.*, charged on a reducing balance — so you only pay interest on what you still owe, not the original loan amount. Your final rate depends on eligibility and Tata Capital's credit assessment
A processing fee of up to 5% applies on your loan amount, plus applicable taxes. Where you land within that range depends on the specific loan offer extended to you.
You can spread repayments over a tenure of up to 6 years, picking an EMI that sits comfortably within your monthly budget instead of stretching it thin.
Explore the complete Personal Loan Fees & Charges before you apply.
You’re given a loan repayment schedule after you’ve secured an instant personal loan online. It is a structured plan highlighting how you’ll repay your personal online loan over the predetermined tenure. It details each EMI’s split between principal and interest, helping you track payments, manage finances, and plan for pre-payment of online loans if needed.
Each schedule includes the loan amount, interest rate, tenure, EMI amount, and outstanding balance. Early EMIs mostly cover interest, while later ones reduce the principal, offering clear visibility into your repayment progress.
For instance, the loan repayment schedule for a loan of Rs. 5,00,000 at an interest of 11% per annum for 1 year will be as follows:
| Month | EMI (Rs.) | Interest (Rs.) | Principal (Rs.) | Balance (Rs.) |
|---|---|---|---|---|
| 1 | 44,411 | 5,000 | 39,411 | 4,60,589 |
| 2 | 44,411 | 4,606 | 39,805 | 4,20,784 |
| 3 | 44,411 | 4,208 | 40,203 | 3,80,581 |
| 4 | 44,411 | 3,806 | 40,605 | 3,39,976 |
| 5 | 44,411 | 3,400 | 41,011 | 2,98,965 |
| 6 | 44,411 | 2,990 | 41,421 | 2,57,544 |
| 7 | 44,411 | 2,575 | 41,836 | 2,15,708 |
| 8 | 44,411 | 2,157 | 42,254 | 1,73,454 |
| 9 | 44,411 | 1,735 | 42,676 | 1,30,778 |
| 10 | 44,411 | 1,308 | 43,103 | 87,675 |
| 11 | 44,411 | 877 | 43,534 | 44,141 |
| 12 | 44,411 | 441 | 43,970 | 0 |
Get the best loan deals with our pre-approved offers
A Personal Loan helps you address various personal finance needs conveniently. Major expenses often come up without warning, so don’t let them drain all your savings. Here are some common scenarios where you can take Personal Loans:
Enter details.
Input loan requirements.
Personal details.
Set up your e-mandate.
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Instant personal Loan Disbursement
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A personal loan is an unsecured loan borrowed to fulfill your immediate requirement for money. The loan amount can be used for various personal needs, such as travel, marriage, medical bills, debt consolidation, etc.
Availing of a personal loan is beneficial in several ways, including quick access to funds with minimal documentation, flexibility in fund usage, and convenient, fixed-term repayments through Equated Monthly Installments (EMIs).
Anyone fulfilling the following criteria is eligible for a personal loan from Tata Capital:
Age: 21 to 58 years
Nationality: Indian
Employment type:
Salaried employees working in private limited companies or public sector undertakings, including central, state, and local bodies
Self-employed individuals, including sole proprietorships, partnerships, trusts, etc.
Employment status: Salaried individuals should have been working for at least 2 years, having a minimum tenure of 1 year with the current employer.
Income: Minimum ₹25,000 per month
CIBIL score: 700+
You can use the online personal loan eligibility calculator to determine whether or not your application will be approved.
The personal loan interest rates at Tata Capital range from 10.99% to 29.99% per annum, depending on your eligibility and financial stability.
The other charges you are liable to pay with a personal loan application are:
Processing fees
Documentation charges
Statement of Accounts charges
Loan cancellation charges
Stamp duty charges
Penal charges
A signed and duly filled loan application form
Passport-sized photographs
KYC documents: A copy of passport/driving license/PAN Card/Voter’s ID/Aadhaar Card
Date of birth proof: A copy of PAN Card/Aadhaar Card/driving license/passport/birth certificate/school leaving certificate
Signature proof: A copy of any one of the following:
PAN Card
Passport
Banker’s verification
Here’s the step-by-step process to apply for a personal loan online:
1. Visit the page designated for ‘Personal Loan’ on Tata Capital’s website.
2. Click on ‘Apply Now.’
3. Fill out the application form with details such as the desired loan amount and loan tenure.
4. Submit the required documents.
5. Once your documents are verified, the loan is approved, and the amount is disbursed into your bank account.
Loan approval and disbursement depend on the verification of your documents. If everything is in place, a personal loan can be approved within 24 to 48 hours and disbursed within minutes after loan approval.
The following factors can influence your chances of personal loan approval:
Age
Lender relations
Employment status
Financial stability
Monthly income and debt-to-income ratio
CIBIL score
Existing debt
If your CIBIL score is low, work on improving it by consolidating debt and paying bills on time before applying for a personal loan.
The maximum personal loan tenure available at Tata Capital is 6 years or 72 months. You can use the online personal loan EMI calculator to arrive at the desired EMI based on different loan amounts and tenures.
Personal loans are a type of unsecured loan. Thus, you don’t require collateral to secure the loan. At Tata Capital, you can get a personal loan of up to Rs. 35 lakhs. However, the amount will vary depending on your eligibility. You must have a favorable financial profile to secure a higher loan amount.
Unlike asset-backed or secured loans, personal loans aren’t determined by an asset’s value. Thus, there is no LTV ratio, and 100% of a particular value doesn’t apply. The loan amount sanctioned is 100% of what you are eligible for based on your eligibility.
Missing an EMI payment can negatively impact your credit score. It can also incur penalties and late fee charges. If you miss EMIs regularly, the lender can increase your loan interest rates.
Yes. Most lenders support self-employed individuals by sanctioning personal loans for business and personal financial requirements. The applicant must submit the required documents to prove their financial stability based on the operations of the business entity.
After you submit your loan application, you receive an application ID. You can track the status of your personal loan application by entering your application ID on the website or contacting the customer service.
Yes, while you can get a personal loan with a low CIBIL score, approval can be challenging, with the need for additional documents related to your income stability. Lenders may also charge higher interest rates or demand a co-applicant. Thus, you must improve your CIBIL score before applying to negotiate better loan terms.
The benefits of securing a personal loan from Tata Capital are:
Competitive interest rates
Flexible amount
Paperless application process
No collateral required
Minimal documentation
Instant disbursal
Customized repayment options
Overdraft facility
Dedicated customer support
Yes, you can get a top-up on your existing personal loan if you have a good repayment history and a borrower-lender relationship. You will need to submit the required documents while applying.
A personal loan is a fixed lump-sum amount of money, whereas a credit card offers a revolving line of credit. A personal loan is repaid through fixed monthly installments over a long repayment tenure, but a credit card has a shorter repayment window. The interest rates on a personal loan are lower and fixed compared to the interest rates on a credit card, which vary.
You can secure a personal loan quickly by maintaining a high CIBIL score, submitting the required documents with your application, completing the application process online, and leveraging pre-approved loan offers if you are an existing customer with the lender.
The various ways to repay your personal loan EMI are:
Setting up an auto-debit mandate (NACH/ECS)
Paying EMIs through NetBanking or UPI
Depositing installments through cheque or demand draft
Yes, Tata Capital allows you to foreclose or prepay your personal loan. The applicable charges if you repay the entire loan amount before the loan tenure ends are:
6.5% of the principal outstanding at the time of foreclosure if done within 12 months of the date of the first disbursement
4.5% of the principal outstanding at the time of foreclosure if done after 12 months of the date of the first disbursement
A personal loan doesn’t offer tax benefits like education loans or home loans. However, you can claim different deductions and exemptions if you use the funds received from the personal loan for business purposes, home improvement, or purchasing or constructing residential property.
Yes, many lenders provide exclusive online offers. These provide lower interest rates, instant approval benefits, or zero processing fees. You can get these offers during festive seasons or special campaigns.
To check your loan application status online, visit the lender’s website, log in to your account, or use the loan tracking section with your application ID. For SMS, send your registered application number to the lender’s designated number to receive instant updates.
You must pay EMI and credit card payments on time, keep your credit utilization below 30%, and avoid multiple loan applications to maintain a good credit score. You must also review your credit report regularly. If you find errors, inform the authorities or raise concerns.
Last updated on: 25 Aug, 2026
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