Business Loans FAQ (Frequently Asked Questions) Answered

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Wedding Loan

A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.

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WEDDING LOAN FUNDING UP TO RS. 25 LAKHS

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Home Renovation Loan

Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.

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HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS

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Consumer Durable Loan

A better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.

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AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE

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CREDIT CARD

Apply for a Tata Credit Card today and enjoy a rewarding shopping experience, everytime.

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WEALTH MANAGEMENT

With Tata Capital’s Wealth Management Services, you get access to decades of expertise in the field that will help you make the right financial decision to secure your future. Our services are tailor-made to minimise risk and maximise your portfolio.

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Wealth Product Distribution Services to secure your finances

Personal Loans

CALCULATE EMI

LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES

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Consumer Durable Loan

AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE

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LOAN AGAINST SECURITIES

LOAN AGAINST SECURITIES CALCULATOR

UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES

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CREDIT CARD

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WEALTH MANAGEMENT

Wealth Product Distribution Services to secure your finances

Business Loan

Scale new heights in your business

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Quick Apply

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QUICK APPLY

Full Name

Name (as per PAN Card)

Email ID

Mobile No.

OTP will be sent after you click 'Proceed'

City of Residence

Date of Birth

(dd/mm/yyyy)

Occupation

Required Loan Amount

Entity Type

Years In Business

Residence Owner

Office Ownership

Turnover in last FY

ITR Income

GST Registration

By submitting the application, I agree and accept the Terms and Conditions as specified here

Business Loan FAQs

Overview

Eligibility & Documentation

Ways to Apply

Fees & Charges

Calculators

EMI Options

FAQs

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Getting Started

What is a Business Loan?

Whether you are new to business, experiencing a slowdown, need funds to ensure cash flow, access to working capital, hire new employees, buy new equipment, or expand your business, no matter what your business plans and needs are, our Business Loans can help you get quick funds when you need them the most. Tata Capital’s Business Loans are designed to meet your financial needs with flexible repayment options and customisable loan options to keep you growing your business. Getting money to meet your immediate need is simple, secure, and easy with our unsecured Business Loans.

Why Tata Capital Business Loan?

Here’s why our Business Loan is the perfect match for you:

We don't ask for any security or guarantor for our Business Loan
You get the flexibility of choosing from business loan repayment options
For our existing customers, we regularly provide exclusive pre-approved offers on business loans
Convenient Online access to all details regarding your business loan.
We offer unsecured business loans up to ₹ 50,00,000
We seek minimum documentation
We give you quick online approval once you share the minimum documents we need.

What are the documents required for a Business Loan?

We ask for minimal documents in order to process your Business Loan:

Duly filled application form
KYC documents of the company including PAN Card, Registration of Incorporation, Partnership deed, Memorandum & Articles of Association.
KYC documents of the business owners
Balance sheet and Profit & Loss accounts for the last two years
Income Tax Returns for the last two years
Company bank statements for the last six months
GST returns for the last 6 months
A report detailing how the Business Loan will be used.

Learn more about Business Loan Eligibility & Documents for further details.

Who can get a Business Loans?

We offer Business Loans to both professionals and non-professionals, who are self-employed. Among self-employed professionals, we have exclusive loans for doctors. These loans are approved quickly and are available at competitive interest rates. The customer segments covered under Business Loans are listed below:

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

What are my options to repay a Business Loan?

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

How can I get a Business Loan?

To avail a Business Loan, simply apply online or call 1860-267-6060. You could also e-mail us at contactus@tatacapital.com or visit any of our branches.

Can I get a Business Loan without collateral?

Yes, you can get a Business Loan without any collateral or security.

Eligibility

Am I eligible for a Business Loan?

You are eligible for a Business Loan if you:

Are between 25-65 years of age
Have business that shows a profit for the last three consecutive financial years
Have business that shows an upward turnover trend
Are able to show balance sheet that is audited by a registered Chartered Accountant.

Loan Details (Amount & Tenure)

How much EMI do I need to pay?

Your EMI depends on the loan amount. Please use our Business Loan EMI Calculator to know exactly how much you need to pay.

What is the maximum amount can I take through a Business Loan?

You can take up to ₹ 50 lakhs and more depending on your credit score.

How long can I take to repay the loan?

You can take up to 36 months to repay your business loan.

Is the interest rate fixed or floating?

The interest rate for Business Loan is fixed.

What the mode of repayment?

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

Flexible EMI Plans

What are the Flexi EMI plans available to me?

Step Up Flexi EMI Plan

This repayment option allows you to pay lower EMIs in the beginning and as your income grows you pay higher EMIs.

1. Provides higher Business Loan eligibility

2. Pay more when you can afford

3. Helps to manage income flow efficiently.

Step Down Flexi EMI Plan

Step Down Flexi EMI Plan offers flexibility to pay higher EMIs in the beginning and lower ones at the end.

1. Reduces interest substantially

2. Helps in finance management

3. Provides higher Business Loan eligibility,

Ideal if: You have a high disposable income.

Know How It Works

How to apply for a Business Loan?

You can run your business without any disruptions by just completing a simple and secure form which takes less than 10 minutes. Then upload the necessary documents and your loan will be approved within just days.

Online

Apply online through our website.

Phone

Our customer support team is happy to help you, call us on customer care number at 1860 267 6060 from 9 am to 8 pm Monday to Saturday. You can request a call back too.

Branch

Walk into your nearest branch and apply for a Business Loan.