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Tata Capital > Blog

Top 10 Mileage Cars Ideal for Daily Use

When driving on congested Indian roads, you want a car that provides excellent fuel efficiency. Otherwise, given the frequency of speed breakers, you will end up paying high refuelling costs with the constant braking and accelerating.

Luckily, keeping the Indian perspective in mind, several automotive manufacturers have launched cars providing exceptional mileage in every litre. Below are our top 10 picks to help you decide.

1. Maruti Suzuki Alto

This classic hatchback is a total package. Not only is it comfortable and responsive to drive around, but it also provides an exceptional mileage of 24.7 kilometres per litre. Alto comes in only a petrol variant with a 5-speed manual gearbox.   

2. Honda Amaze Diesel

Another bestseller from Honda Amaze, comes with a powerful 1.5-litre engine that promises a per litre mileage of 27.4. This is a staggering figure for a spacious sedan such as this one, which you can finance using a loan at affordable personal loan interest rates.

3. Renault Kwid

Powered by a seemingly small 800 cc engine, the Renault Kwid is one of the top mileage cars in India today. It promises an average running of 24 kilometres per litre, boasts a plush and spacious interior, and runs only on a petrol engine.

4. Toyota Glaza

The Glanza uses the same powerful engine as the Maruti Suzuki Baleno. However, the Glanza is relatively more affordable. It is one of the best Indian mileage cars that provide an average of 23.87 kilometres per litre.

5. Hyundai Aura

Hyundai has taken the once-popular Xcent off the market and has replaced it with Aura. This model comes with a 1.2-litre engine capable of providing a mileage of 25.3 kilometres per litre. 

6. Tata Tiago

When talking about the top cars with the best economy, you cannot leave Tata Tiago out. The petrol variant of this vehicle comes with a 1.2-litre engine capable of awarding a mileage of 23.84 kilometres per litre.

7. Maruti Suzuki Dzire

The newly launched Maruti Dzire sedan, apart from undergoing a radical facelift, has also levelled up on fuel economy. Now, it provides an average of 23.56 kilometres per litre and is an affordable buy for someone looking for a starter sedan. If you plan on buying this vehicle but are falling short on funds, get a personal loan as the interest rates are at a record low.

Additional Read: Buying a Car? See What Works Best For You: A Personal Loan or A Car Loan

8. Maruti Wagon-R

The iconic Maruti Wagon-R is still one of the top-selling cars in India, offering exceptional boot space and a comfortable ride for people of all age groups. The Wagon-R also provides outstanding mileage of 22.5 kilometres per litre.

9. Hyundai Creta

The diesel Hyundai Creta deserves a special mention here. Often SUVs get a bad reputation for being gas guzzlers, but this vehicle provides a fantastic mileage of 21.4 kilometres per litre.

Additional Read: New SUVs in 2021: Upcoming SUV cars in India 2021

10. Hyundai I10 Nios

Lastly, the all-new I10 Nios is a city-friendly hatchback, offering a mileage of 20.7 kilometres per litre.  This average figure is only for the petrol variant; the diesel one will likely be higher.

The bottom line

Have your heart set on a car listed above? Let Tata Capital finance your purchase. Apply for a loan at attractiveinterest rates, customisable repayment terms, and minimal documentation.

Not sure if a loan will fit your budget? You can check your potential personal loan EMIs using our personal loan emi calculator.

Top 5 Ways You Can Use Personal Loan to Boost Your Career

When you think of furthering your career growth, a personal loan seldom comes to your mind. But, using personal finance to invest in your career can help you climb the corporate ladder of success. How? Read this article to find out.

1. Upskill yourself

If you wish to propel your career forward, an efficient way is to elevate your skills! Invest in yourself by learning an in-demand skill from a reputed institute or go for higher education.

Upskilling can help you grow in your current field. Or you can also train yourself in a new discipline to thrive in this highly competitive business environment. Add impressive soft skills like conflict resolution, critical thinking, communications, persuasive writing, and more to your portfolio.

Taking a loan for career development is a step in the right direction. You can easily finance a higher education degree or a short-term skill-based course.

2. Invest in the necessary tools

In the post-pandemic scenario, remote work has become the norm worldwide. But while working remotely, you need proper tools for virtual meetings, project management, and collaboration to make sure your productivity doesn’t suffer.

Whether it is a laptop, a software subscription, an appliance, or remote office supplies, investing in the work from home essentials to scale up in your job is a great idea. With a personal loan for career advancement, you can purchase the necessary equipment and work efficiently.

Additional Read: How can your employer affect your personal loan eligibility?

3. Create a financial backup

Sometimes all that is holding you back from chasing your dream job is an absence of a financial safety net. Start saving right away and establish an emergency fund. With personal finance, take care of any unexpected expenses that crop up.

Besides, focus on reducing debt to think freely about pursuing career development options. Be it credit card bills or a high-cost debt, don’t let financial obligations weigh you down. Use a low-interest loan to clear outstanding dues.

4.  Don’t neglect your wardrobe

It is said that you must dress for the job you want and not the job you have. But why? A professional wardrobe can help make a lasting first impression on your employer, especially during interviews. You can take a small loan to invest in a wardrobe that resonates with your profession and kick things up a notch!

Finance your purchases with an easy loan from Tata Capital and enjoy attractive personal loan interest rates at 10.99%.

5. Take that holiday

Here’s a fact, taking a break from work increases your performance and productivity. Why, yes! You come back with a fresh outlook and mindset, which can do wonders for your career.

So, whether it’s a camping weekend or a scenic drive on your mind, don’t postpone the much-needed vacation. Finance your travel expenses with a loan.

Additional Read:  Planning To Take A Break From Your Mundane Routine? Plan Your Holiday With Us

To sum up

If you require funds to thrive in your profession, a credible financier is what you need. And your search ends at Tata Capital. We provide personal finance at competitive interest rates and extended tenures to help you forge ahead in your career.

Check our personal loan eligibility terms and documentation requirements to apply today!

Top 5 Hatchback Cars Ideal for Indian Roads

Which hatchback cars are ideal for Indian roads? While many models in the market fit the mould, these top 5 take the cake. Why? Because they strike the perfect balance between power, performance, cost, and durability.

So, if you are looking for the ultimate list of best Indian hatchback cars, keep reading.

Maruti Suzuki Swift

One of the most iconic hatchback models on Indian roads, the Maruti Suzuki Swift has often been called the complete family car. It is amply spacious, highly fuel-efficient, and affordable. This family car has also won countless awards for its exceptional drive quality and comes in spunky colours that lend it a sporty look and feel. Available in petrol and diesel variants, you can buy it with either a manual or automatic gearbox.

Maruti Suzuki Wagon-R

No list of top hatchback cars 2021 is complete without the Wagon-R. A classic favourite of countless Indians, there is no other hatchback within this price segment that is as spacious. The all-new Wagon-R is BS-VI compliant and features a tall-boy design. These features make it a smooth and comfortable drive for taller individuals who usually feel cramped while driving low-slung hatchbacks. You can buy this car in both petrol and diesel variants, but it also comes with factory-fitted CNG technology.

Additional Read:  Things You Need to Know While Getting an Electric Car in India

Hyundai Grand I10 NIOS

With a powerful 1100 cc engine available in petrol and diesel variants, the Hyundai Grand I10 NIOS is a great buy for hatchback lovers in India. You can get this car with a manual or an automatic gearbox, depending on your preference.

The I10 NIOS provides an excellent city driving experience with its short turning radius and agile manoeuvrability. This hatchback comes equipped with 4-cylinders and 82 bhp and should be your #1 pick if you prefer a power-packed and fuel-efficient performance.

Renault Kwid

If you want a family car that looks big but is actually compact and offers excellent performance, Renault Kwid is it for you! It is an affordable hatchback loaded with cabin features such as plush fabric upholstery, ample boot space of 280 litres, LED digital instruments cluster, and much more. Besides the desirable features, Kwid can also fetch you a competitive personal loan interest rate if you opt for a loan to make the purchase.

Tata Altroz

If you are looking for a premium hatchback car, go for Tata Altroz. Although it is on the pricier end, this compact four-wheeler comes loaded with cabin features. Tata offers Altroz in both petrol and diesel variants, and the engine capacity for all models ranges from 1.2 litres to 1.5 litres. The all-new Altroz is a powerful, comfortable and aesthetically appealing vehicle that looks elegant driving on Indian roads.

Additional Read: Buying a Car? See What Works Best For You: A Personal Loan or A Used Car Loan

Over to you

Found a hatchback model you like? Well, now all you need to do is prepare for the next step: funding! Taking a personal loan is a good way to bring home your first car while keeping your savings intact for rainy days.

At Tata Capital, we extend a loan at favorable repayment tenures, minimal documentation, and competitive interest rates.  You can also use our personal loan EMI calculator to measure your potential personal loan EMI and plan your budget well.

Tips & Tricks to Track Your Personal Loan Status Online

So, you’ve applied for a personal loan. Now, you’re waiting for approval. But what really is happening? Only if there were a way to track your application. Why, yes there is!

Lenders these days give an option for tracking your loan application online. By logging on to your lender’s web portal and entering your login details, you can figure out where your application stands and the time it’ll take for loan disbursal.

Another critical reason you should track your personal finance application is to know if there is a rejection coming your way. As soon as you know your application’s status, you can search for alternative institutions to apply for a loan.

How can you track personal loan status?

While tracking the progress of your personal loan application online is the most common way to check its status, there are other ways as well. However, let’s begin with the most common one.

Track your loan status through the lender’s official website 

One way you can track your application online is through your lending institution’s official website. Once you have applied for a loan with a particular institution, it will give you a reference or application id. Use it to log on to its official web portal and track your application.

Additional Read: Dos and don’ts for an instant personal loan in India

Track your loan application through a smartphone

Another convenient way to track your loan application online is by using your lender’s mobile app. You can download the app on your smartphone. Generally, most apps by financial institutions carry a “check loan status” option.

Once you click on it, the system will ask you for your user id and password to access your application status. You might also be able to log in using a One-Time Password (OTP). After accessing its main dashboard, you can proceed to check loan details online.

How to check my loan status offline?

If you can’t access your personal finance loan application status online, do it offline. Begin by contacting the customer care department. If they are unauthorised to divulge your application status, visit the lender’s branch with all the loan papers you have to inquire about your status. Make sure you carry a photo id when you visit the respective branch, as the lender will need it for verification.

Additional Read: Should You Apply for A Personal Loan Online or Offline?

To sum up

The number of people opting for personal finance is soaring by the minute. And, why wouldn’t it! You can avail of this loan at competitive personal loan interest rates and without pledging any collateral or guarantee.

At Tata Capital, we offer loans at customisable repayment terms and minimal required documents from your end.

Before applying, you can also log on to our website and use our personal loan EMI calculator for free. This calculator can help you figure out your potential monthly instalments should you apply for a loan with us.

Personal Loan Online v/s DSA Personal Loan

A personal loan is a type of multi-purpose credit that helps you meet financial needs. Since it is an unsecured debt, you can avail of the loan without pledging any collateral. Nowadays, you can get personal finance at competitive ROIs.

Traditionally, you can easily apply for a loan online or by visiting a lender’s office. Or, you can get help from a Direct Selling Agent (DSA).

If you are scouting for a lending option, this is the article for you. Have a look at this comparison of traditional vs DSA personal loan, weigh the benefits of both and decide what suits you best.

DSA Personal Loan:

Direct Selling Agents (DSAs) frequently goes through middlemen, necessitating in-person communication and paperwork. These loans could be less transparent and flexible, and they might take longer to process even when they provide targeted support.

Personal Loan Online:

Online Personal loans provide a smooth application and document submission process. In addition to quicker processing times and improved data protection, they offer transparency, flexibility, and a large number of lenders for comparison.

Additional Read: Things to Consider While Choosing a Personal Loan Lender

Differences between DSA Personal Loan and Personal Loan Online:

AspectDSA Personal LoanPersonal Loan Online
Application ProcessRequires interaction with a Direct Selling Agent (DSA) or agentEntirely online application process
DocumentationMight involve physical document submissionDigital submission of documents, reducing paperwork
Processing TimeProcessing duration may vary due to physical document handlingGenerally faster processing due to digital verification
Interest RatesRates might be influenced by intermediariesTransparent rates with direct lender interaction
Ease of AccessMay offer localized assistance and personalized guidanceAccessible from anywhere, anytime with internet connectivity
Options & ComparisonLimited options, often provided by affiliated banks or NBFCsWide range of lenders available for comparison and selection
Customer SupportAgent-mediated support with potential communication challengesOnline and phone-based customer support from the lending platform
TransparencyPotential for information asymmetry due to intermediary involvementTransparent process with direct access to loan details and terms
FlexibilityLimited flexibility in negotiating termsMore control in negotiating terms directly with the lender
Privacy & SecurityRisk of data exposure during document submissionSecure data transmission with encryption and online safeguards
Loan Approval CriteriaMay have stricter criteria due to intermediary policiesDirect interaction allows for understanding and meeting the criteria
CustomizationLimited scope for customized solutionsA wide range of lenders available for comparison and selection

Personal Loan vs Business Loan – Which is Better for Small Businesses

Whether you are expanding your small business or starting a new one, a steady influx of cash is a must. If you are confused between taking business or personal credit for your small business’ financial requirements, you are not alone.

Both have their specific features and benefits. But is one better than the other? Read on to settle the personal loan vs business loan debate.

The end-use of funds

When you apply for personal finance, there is no restriction on how you can spend the money. It means, while financing your business’s daily operations, you can also use the funds to cover your other immediate expenses.

On the other hand, business financing primarily funds new machinery, working capital, enterprise’s financial health, raw materials, etc.

Interest rates and collateral

When you apply for loans, interest rates are the first things you consider. The lower the loan rates are, the smaller EMIs you pay, and the easier the repayment is.

Since personal credit is unsecured, personal loan interest rates can be relatively higher against the loan amount sanctioned. Contrarily, business finance may or may not be collateral-free. This means, depending on your loan lender’s policies, loan amount, and the purpose of the loan, you may be required to pledge any asset.

At Tata Capital, you can avail of collateral-free personal financing with lucrative interest rates starting at 10.99%.

Additional Read: How Personal Loans Helps in Your Business?

Eligibility criteria

Business finance eligibility conditions comprise stellar credit scores, profitable revenue, and an upward trend in turnover.

On the contrary, personal loan eligibilityis easier to fulfil. The eligibility conditions typically include a steady income, a stable job, and an excellent credit score, preferably over 750.

Documentation

Lenders require detailed paperwork for approving business financing. It includes your company’s PAN, income tax returns or ITRs for the previous 2 years, partnership deed, audited balance sheet, KYC business papers, profit and loss accounts for at least 2 years, etc.

Compared to this, personal loans require minimal documentation such as proof of residence and identity, income documents, etc.

Additional Read: All You Need to Know about Personal Loan Agreement

Loan sanction and fund disbursal

Today’s world is all about being swift, and personal finance allows you to usher in funds for your business quickly. All you have to do is go to your preferred lender’s website, apply for the loan, and upload the necessary documents. At Tata Capital, your instant loan applications for personal finance are approved within seconds from submission.

On the other hand, lenders often take more time to verify the extensive paperwork submitted for business financing. You can get your loan approved in 3-5 working days.

Summing up

While both financing options will help you get the capital you need, you can choose the one that best suits your repayment capability and financial requirements. If you require emergency funds for your small business, personal finance from a credible financier is all you need.

At Tata Capital, we offer instant personal loan at competitive interest rates, relaxed eligibility, and flexible repayment terms. Opt for structured EMI plans and conveniently repay the loans with pocket-friendly personal loan EMIs.

Want to know more? Visit our website today.

How has the COVID Second Wave Impacted Personal Loan Industry

Yes, the global pandemic’s second wave was a “nightmare come true”. But as they say, every cloud has a silver lining, and in India, it’s the favourable impact of Covid second wave on personal loans.

The ongoing pandemic has led to massive positive changes within the finance industry. And the biggest ripple is being seen in the personal financing sector. Personal loans grew up by 28% in 2020 compared with 33.5% in the same period in 2019. Wondering why? Read on.

RBI’s restructuring scheme

Recently, RBI announced its Covid-19 restructuring scheme 2.0 to help borrowers recuperate from the pandemic’s aftermath. The apex bank had rolled out the scheme in 2020 and reintroduced it for 2021 because of the second wave. In a nutshell, this is a one-time restructuring option, where borrowers with outstanding debt of up to Rs. 50 crores can rearrange their repayment terms.

Thanks to this scheme, lenders are providing tenure extensions of up to two years, which is extremely helpful. Some financial institutions have also reduced the interest rate to lower the personal loan EMI amount for the borrowers. By taking away some of the financial pressure, the scheme has enabled various Covid-affected individuals, MSME owners, and retail borrowers to repay their debts conveniently.

Moreover, borrowers can also apply for a loan moratorium under this scheme, during which they won’t have to pay EMIs. Once it’s over, the repayment schedule will resume as usual. This is unquestionably beneficial for those who need finances for treatment, business operations, etc.

Additional Read: What are the Effects of Coronavirus Pandemic on Personal Loan Repayment?

Digital lenders extending a helping hand

Currently, personal loan form 87% of the active loans in the country. Clearly, the personal finance industry is booming, with NBFCs and digital lenders at the front and centre.

Lenders are playing a significant part by providing quick loan approvals to borrowers through digital banking services. Most NBFCs are also offering instant personal finance online, safeguarding borrowers from stepping out and contracting the virus.

At Tata Capital, we are going a step further by verifying personal loan eligibility documents on our portal itself. We also accept loan applications online and disburse the required funds directly to your bank account upon approval. So, you can meet your financial needs without difficulty.

Besides, various lenders are now providing loans at comparatively lower interest rates, which has led to an increased number of personal finance borrowers. Such efforts by lenders are reasons why the personal financing industry is witnessing remarkable year-on-year growth.

Additional Read: Will My Personal Loan Eligibility Be Impacted During Lockdown?

Parting thoughts

Safe to say, the second wave’s impact on personal capital has been positive. Whether you’re a current borrower or are looking to get funds, now is the time to take a sigh of relief.

At Tata Capital, we provide quick loans at affordable personal loan interest rates, relaxed eligibility criteria, and other favourable terms. Visit our website to browse through our personal finance offerings.

Health Insurance Premiums – A cause for concern? Here are 3 Ways you can reduce your Mediclaim costs substantially

With the second wave of the ill-fated Covid-19 paralyzing healthcare systems significantly, medical insurance claims are sure to rise up in the months to come. Consequently this will also result in an increase in insurance premiums if you’re looking to invest in a new policy or renew an existing one.

With the number of insurance companies growing each day, choosing a policy that is affordable as well as most suitable to your financial goals can be quite a task.

If you are somebody facing this dilemma, here are 3 ways in which you can reduce your mediclaim costs in a jiffy:

1. Purchase a family floater policy:

Most insurance companies provide a considerable discount on premiums if you add 2 or more people to the same insurance cover. Utilizing this feature will enable you to insure more people in your family at a more economical value.

Additional Read: 5 Reasons to Buy Health Insurance if you don’t have one

2. Use wellness initiatives

Due to the rise of health issues in individuals triggered by general lifestyle habits, a lot of insurance companies have now devised wellness initiatives to benefit purchasers. These wellness initiatives are basically offers that result in a cashback or lower premium if you are adhering to conditions like maintaining an ideal weight or working towards a healthier lifestyle.

Participating in these wellness initiatives will not only help you lead a healthier life, but also save you quite a few bucks in the form of incentives – sometimes up to 100% of the premium amount.

3. Combine a basic plan with super top up

To make your insurance policy relatively more cost-effective, you can also club a basic plan with a top up plan. This means that over and above your basic plan if you are looking for an additional coverage – instead of purchasing a new policy and paying a higher premium, you can simply buy a booster or top up plan. This may be a little expensive, but substantially cheaper than purchasing a new policy.

Additional Read: All You Need to Know about Different Types of Insurance and Their Uses

An insurance policy is one of the most underrated but crucial components of a well-balanced financial portfolio that has positive implications – often when the insurer least expects it. Lastly, to make the policy more reasonable, it is also prudent to stay away from any life threatening bad habits and purchase one when you are at a young age.

Saurav Basu
Head – Tata Capital Wealth

How Does Your Company Type Affect Your Personal Loan Eligibility?

The last few years have seen a significant rise in personal loan borrowers. And, why not? This loan type comes with a deluge of advantages hard to find in another financial instrument. When you avail of personal finance, you can use the funds for a wedding, medical expenses, travel, and pretty much any other expenditure.

Often, lending institutions do not require any explanation to approve the loan. What’s more, since personal finance is unscured, you don’t need to pledge any collateral against the loan amount. The primary factors for approval of personal finance are your CIBIL score, income stability, and employer details.

How does your organisation affect your personal loan eligibility?

Out of the three factors for personal loan eligibility discussed above, employer details is often the least talked about. Remember that lenders classify organisations into different categories. These include:

  • Super A
  • Category A
  • Category B
  • Category C
  • Category D
  • Silver
  • Gold
  • Platinum
  • Diamond

But what is the reason for this classification? Well, lenders use these categories to assess an applicant’s employment stability. If top-tier companies employ you, you’ll find it relatively easier to receive the lender’s approval for the loan. Also, you may even receive the loan amount at a competitive personal loan interest rate.

However, this categorisation does not imply that people falling towards the bottom of the spectrum will not get personal finance quickly. The only difference lies in the rate of interest you get on the loan.

The reason behind personal loan eligibility bifurcation

Needless to say, when lenders extend an unsecured loan without asking for collateral in return, they want borrowers with robust repayment capacity. And one way lenders judge the repayment capability is by looking at where an applicant works.

Income and employment stability are key factors for personal finance approval, and the better rated your organisation, the lower your chances of defaulting on the loan.

Additional Read:  How to Check Personal Loan Eligibility in India

Complete eligibility criteria for availing of personal finance   

If you apply for personal finance with Tata Capital, you will be required to fulfil these eligibility criteria:

  Age limit  22 – 60 years
  Organisation  Name of your company and years in employment
  Citizenship  You must be an Indian citizen
    Financials  Last 2 months’ salary slips and 6 months’ bank statements if salaried Latest IT return and 6 months’ bank statements if self-employed 

Also, you can use our eligibility calculator to understand your creditworthiness for a particular loan amount. And measure your potential monthly instalments with the help of an personal loan EMI calculator for loan, which is readily available online.

Additional Read: How to Choose the Best Personal Loan for Needs?

The bottom line

In a nutshell, when taking a personal loan, company type matters! If you are fishing the market for personal finance, turn to Tata Capital. We provide loans at competitive personal loan interest rates with customisable repayment terms.

You can apply for the loan online with minimal personal documentation. After approval, our financial experts ensure speedy disbursal of funds. Don’t dent your savings for a considerable expense. Instead, apply for personal finance at Tata Capital today!

How Can You Consolidate Multiple Loans with the Help of Personal Loan?

Debts have their sneaky way of snowballing – you start out with one loan and then the other until it all piles up into this mountain that doesn’t seem to move.

If you’re in a similar position, you can go for consolidation of loans! By taking personal finance, you can merge different loans into a single one and make debt management far simpler. Such a process also allows you to take control of your loans and reduces stress levels significantly. However, that’s not it!

There are several more benefits to debt consolidation. Read more to find out.

Why use a personal loan for consolidation?

Given below are the reasons why taking personal finance for debt consolidation is a move in the right direction –

• Single EMI payment

When you opt for a personal loan for loan consolidation, all other dues are merged into a single amount, which you need to repay monthly. Thus, you don’t need to track multiple EMI dates or worry about defaulting on instalments, which can attract heavy penalties.

• Lower interest rate

Instead of paying different interest rates for multiple dues, you can take a new loan at a competitive interest rate and consolidate your debt. Doing so can also bring down your monthly instalments and make them more affordable.

Additional Read:  5 Ways in Which Personal Loans Can Help You Save Money

• Fixed repayment tenure

Personal finance solutions typically have a fixed tenure that ranges from 1 to 5 years. Since you will need to repay the loan amount within the predetermined period, you can plan your finances accordingly and clear all your dues sooner. An online personal loan EMI calculator will prove handy for this.

• Improved credit score

Another upside of debt consolidation is that it gives a nice boost to your credit or CIBIL score. This happens because merging multiple loans into a single loan reduces your credit utilisation ratio, i.e., the amount you owe divided by your credit limit.

Though you may witness a slight, temporary dip in your credit score at the time you acquire a new loan, the long-term gains you see in your credit score, as well as savings on interests, will be worth it.

Additional Read: What is Debt Consolidation? How Can a Personal Loan Help?

Is consolidation of dues the right option for you?

If you’re struggling to stay on top of your finances, then debt consolidation may be the option for you. However, to decide whether it is right, you must ensure the following –

  • Your existing dues must be high-interest debt, and consolidating them into a single loan must save you on interest charges
  • You have a repayment plan in mind to clear off your dues as soon as possible
  • You are willing to change your current spending habits

Over to you

Do you fit the above criteria? Or wondering how to consolidate multiple loans into one? Do so with the lending experts of Tata Capital! With us, you can get a personal loan interest rate as low as 10.99%. Apply today and get one step closer to becoming debt-free.