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DOWNLOAD THE TATA CAPITAL APPThe Tata Capital app allows you to apply for a new loan or manage your existing loan anytime, anywhere! Click on the link below to download the app.
Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
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PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
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PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
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
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
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LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
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AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
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PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
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
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
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HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
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CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
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UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
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ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
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LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
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As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA 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.
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
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UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
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Running your own business can be a time consuming and stressful endeavour. That is why we have simplified our process to ensure your ease and comfort. Follow the simple steps to apply for a loan for business:
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We offer the flexibility to create Business Loans with repayment solution that meet your specific needs. Our business loans are flexible and can be custom-built for your benefit.
There is no obligation whatsoever and no need to attach collateral when you apply for a business loan with us.
Get the money for your finance needs within just a few days. The process is easy and quick to meet your urgent business requirements.
With Tata Capital's Business Loans, your quest for funds to set-up or expand your business ends here. We understand your need for quick and easy loans to make the best of the opportunities available. Our flexible Business loans can help scale your business to new heights while keeping in mind your unique business requirements. Watch this video to know more about our Business Loan offerings.
Yes, you can apply for a business loan online in the following steps –
Fill out the online Business loan application form. Along with the business loan application, submit the documents your lender requires
Your lender will verify your documents and check your credit-worthiness after which your loan will be approved
Following loan approval, your lender will disburse to your bank account the principal loan amount
Depending upon your lender, you can apply for a business loan in the following different ways –
Online – You can choose the quick and hassle-free route of online business loan application via your lender’s website.
Phone – You can also give your lender a call on their customer care number and have a talk with their relationship managers.
Email – You can even send your lender an email on their customer support mail address.
Virtual Assistant – You can use your lender’s 24x7 online virtual assistant feature to apply for your business loan.
Offline – You can even visit a nearby branch of your lender and talk to their lending experts in person about your business loan.
No, you need not physically visit a branch of your lender for availing a business loan.
Business loan interest is calculated on the basis of an amortization schedule, wherein the amount of interest you pay keeps on decreasing. The interest amount will be higher during the initial months of loan repayment and will gradually decrease during the latter half of the tenure.
Consider the following example – For a principal loan amount of Rs. 10,00,000 with an interest rate of 20% for a period of 2 years, calculate the monthly EMI by using the formula A = [r x P x (1+r)n]/(1+r)n-1], where E is the EMI, P is the principal loan amount, r is the rate of interest, and n is the tenure in months or use a quick and accurate online tool such as the business loan EMI calculator. For the given example, the monthly EMI = Rs. 50,896.
Months |
Starting Balance |
Interest Paid |
Principal Paid |
Ending Balance |
May 2020 |
10,00,000 |
16,667 |
34,229 |
9,65,771 |
June 2020 |
9,65,771 |
16,096 |
34,800 |
9,30,971 |
July 2020 |
9,30,971 |
15,516 |
35,380 |
8,95,592 |
August 2020 |
8,95,592 |
14,927 |
35,969 |
8,59,622 |
September 2020 |
8,59,622 |
14,327 |
36,569 |
8,23,054 |
October 2020 |
8,23,054 |
13,718 |
37,178 |
7,85,875 |
Business loans are a useful credit facility extended to business owners on which interest is payable. So, in exchange for the business loan amount, lenders charge interest. There are three key components that make up a business loan. They are –
Principal loan amount – It is the amount of business loan that is borrowed from a lending institution.
Rate of interest – Expressed as a percentage, the rate of interest is the rate at which interest is charged on your business loan.
Loan tenure – Expressed in both months and years, the loan tenure is the time period for which the business loan has been taken and must be paid off. It is calculated from the date of first disbursement up to the date of the last disbursement.
The maximum and minimum amount of business loan that you can take is Rs. 75 lakhs and Rs. 5 lakhs respectively.
No. Since processing fee is meant to cover the charges incurred by your lender in processing your business loan application, it is non-refundable, even if you cancel your loan application.
Yes, part-prepayment of your business loan is allowed. However, such part-prepayment will accompany a certain fee. You can use a business loan prepayment calculator to calculate your part-prepayment eligibility.
Yes, foreclosure of business loans will accompany foreclosure charges, levied as 4.5% on the future principal outstanding on existing loan + GST. You can use a business loan foreclosure calculator before planning to foreclose your business loan, in order to make an informed decision.
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Are you an ambitious female entrepreneur with your sights set on financial independence? Spur business growth with Tata Capital’s Business Loans for Women. Designed exclusively for you, our loans are unsecured and available at competitive interest rates.
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Make an investment in your company’s future with updated and advanced machinery. Choose a Tata Capital Business Loan to buy machinery and experience enhanced productivity, improved quality, and an incredible ROI.
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Empower your business and nurture its growth with custom-built loans at Tata Capital. Our SME and MSME Loans offer timely and adequate financial support to your venture. Get a quick SME and MSME Loan at Tata Capital and propel your business to success.
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