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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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Mobile phones now come with a host of advanced features including triple sensor cameras, waterproof designs, and support for 5G internet. Tech enthusiasts interested in purchasing the latest smartphones will find Tata Capital’s consumer durable loans extremely useful. The EMI options on offer ensure that you get to take advantage of the newest innovative features integrated into mobile phones. By availing a consumer durable loan from us, you can purchase the latest phones from top brands without any major initial outlays.
You can avail of a consumer durable loan from Tata Capital and convert the cost of your purchases into easy EMIs. With the mobile loans offered by Tata Capital, you can purchase the latest phones instantly and pay for them over the course of a convenient repayment tenure ranging from 6 months to 24 months.
When you buy a phone on EMI, you stand to benefit in more ways than one. Here are some of the many advantages of buying a smartphone using this scheme from Tata Capital.
Distributed financial burden
With our buy-now-and-pay-later system, you can effectively minimize your immediate financial burden. By distributing the cost of a purchase across a convenient repayment tenure, Tata Capital’s consumer durable loans help you pay back the principal in small and comfortable amounts.
Access to latest versions of smartphones
Owing to the easy EMIs available, you can purchase a better version of the smartphones you’re interested in. Since there’s no pressing obligation to pay the entire amount upfront, you can afford to expand your budget and invest in a smartphone from a higher price band.
Instant approval
Tata Capital’s consumer durable loans come with another advantage – instant approval. You no longer need to wait around for several days for the loan approval to come through. Our on-the-spot approvals enable you to begin your shopping spree anytime, anywhere. The process of application is also incredibly easy and straightforward.
0% interest rate
Another advantage that accompanies Tata Capital’s EMI mobile plans is that you get to spread the cost of your purchases across EMIs that come with 0% interest rate charges. This effectively means you only pay the cost of the product, and not a penny more. Tata Capital also doesn’t levy any security deposits or additional fees.
Minimum documentation
Buying a smartphone on EMIs with Tata Capital’s consumer durable loans is a simple process, wherein you are not burdened with excessive documentation requests. Only primary details and basic KYC documents are required for loan approval.
Eligibility criteria for getting a mobile on EMI
To be eligible for a consumer durable loan to buy mobiles on EMI from Tata Capital, you need to fulfill certain preset criteria. Salaried individuals must be between 21 and 60 years of age, while self-employed applicants must be aged between 21 and 65 years.
Additionally, irrespective of whether you are salaried or self-employed, the repayment tenure can range from 6 months to 24 months, and the loan amount can be as low as Rs. 10,000 or as high as Rs. 5 lakhs.
To purchase smartphones on easy EMIs, all we need from you is minimal documentation. Here’s a comprehensive list of the documents required.
Proof of identity and residence
A cancelled cheque
A recent passport-sized photograph
Duly signed ECS mandate
A security cheque in favor of TCFSL, mentioning the entire amount and carrying no date
Before availing of a consumer durable loan from Tata Capital, you need to decide on which of the many no-cost EMI mobiles to invest in. Here are some tips to select the right smartphone.
List out the smartphone features required.
Compare the many options available online.
Identify the smartphone that comes with the features needed.
Ensure that it is within the budget.
Having zeroed in on the right smartphone, here’s how you can obtain a loan to fund your purchase.
Visit the nearest branch and fill out a simple form. This process takes around 10 minutes.
Submit the necessary documents, so the approval process can begin.
Alternatively, if biometric details are available, you need not even upload your documents.
If all the required documents and details are in place, Tata Capital offers on-the-spot approvals for consumer durable loans.
Interested consumers can even contact Tata Capital on 1860 267 6060 anytime between 10 am and 8 pm, or request a call back to apply for a loan.
If you do not repay your EMIs within the due date, a penalty charge shall be levied on the unpaid amount outstanding at the end of each month. This charge is levied at the rate of 3% of the outstanding amount.
Often times, if there’s an unexpected inflow of cash like a bonus, you may choose to repay your outstanding dues and foreclose the consumer durable loan you’ve availed from Tata Capital. We do not levy any foreclosure charges, so you can go ahead and settle your dues without worrying about any additional charges.
You are free to choose a repayment tenure that’s financially convenient for you. The tenure can be as short as 6 months or as long as 24 months. Keep in mind that as your repayment tenure increases, the EMI amount decreases.
Your credit profile is vital in determining your eligibility for a loan. Here’s what you can do to improve your credit profile.
Pay up any outstanding dues.
Ensure that you do not delay EMI repayments.
Keep your old credit cards so you have a longer credit history to fall back on.
Rectify errors in your credit report, if any.
Do not rely on only one form of credit. Mix it up with loans, credit cards, and other options.
Our consumer durable loans are unsecured borrowings. This means that you are not required to provide any security as a collateral to avail a loan for financing your purchase of consumer durables.
Add luxuries to your life without the high price. Tata Capital Consumer Durable Loans help you own the latest appliances and gadgets of your choice. Upgrade your lifestyle with easy Consumer Durable Loans at Tata Capital.
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Take your photography experience to the next level with the most advanced cameras on the market. And with Tata Capital Consumer Durable Loans, you don’t have to worry about the finances. Purchase the latest cameras using our Consumer Durable Loans and breathe new life into your images.
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Purchase the latest laptops on the market with Tata Capital’s Consumer Durable Loans. Upgrade your professional lifestyle instantly with quick loan approvals and flexible EMI options at Tata Capital.
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Eyeing the latest electronic gadgets but high price tags holding you back? Tata Capital Consumer Durable Loans help you own modern gadgets and bring them home in no time.
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Looking to bring the latest appliances home? Tata Capital makes it easy to own modern appliances without leaving a dent in your savings. Choose our Consumer Durable Loan to get closer to the lifestyle you desire.
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Upgrade your lifestyle and refresh your daily entertainment experience with the best televisions on the market. Tata Capital makes it happen for you, in no time. Choose our Consumer Durable Loans for quick funding and flexible repayment options.
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