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Consumer Durable Loan FAQs

  • Overview
  • Eligibility & Documentation
  • Fees & Charges
  • Products on EMI
  • FAQs
    • 1

    Getting Started

    Eligibility

    Loan Details (Amount & Tenure)

    Flexible EMI Plans

    Know How It Works

    Know How To Apply
    Getting Started

    A consumer durable loan is a financing option made available to the consumer to purchase items such as

    • Mobile Phones, Cameras, Tablet, DSLR, Audio Devices,
    • Household Products such as Fridges, Washing Machine, Microwave, Kitchen Appliances,
    • Laptop, Projector, etc

    Consumer Durable Loan helps to purchase the items in easy EMI option.

    We offer Consumer Durable Loans for wide-range of products. Here are some of the products that are now within your reach:

    • Digital Products: Mobile phones, laptops, tablets, smart watches etc.
    • Health Products: Laser treatment, financing knee replacement, cosmetic surgery and more.
    • Lifestyle Products: Travel loan, Merchandise loan.

    There are no penalty charges for foreclosure of the Consumer Durable loan account.

    We offer consumer durable loans up to ₹ 5,00,000.

    Salaried and self-employed individuals in the age group of 21 to 60 & 21 to 65 years respectively can apply for the consumer durable loan. 

    With Tata Capital Consumer Durable Loans, the life you always wanted is just a few clicks away. Upgrade your lifestyle with the giant television set or, you can also buy yourself a fancy furniture for your living room. Here are some more reasons why we are the right match for you:

    • We give you instant online approval
    • We don't ask for any security for the Consumer Durable Loan
    • We are completely digital with minimum paperwork
    • We let you decide how and when you want to repay the loan
    • We offer you competitive interest rates
    • We offer loans up to ₹ 5 lakhs.

    We need your primary and KYC documentation -

    • Identity and Residential Proof
    • Cancelled cheque
    • Latest passport size photograph
    • ECS mandate duly signed
    • One security cheque (favouring TCFSL, mention the full loan amount, do not enter any date).
    Eligibility
    Criteria Salaried Self Employed
    Minimum Age Limit 21 years 21 years
    Maximum Age Limit 60 years 65 years
    Minimum Loan Amount ₹ 10,000* ₹ 10,000*
    Maximum Loan Amount ₹ 5 lakhs ₹ 5 lakhs
    Minimum Tenure 6 months 6 months
    Maximum Tenure 24 months 24 months
    Loan Details (Amount & Tenure)

    Your EMI depends on the loan amount and the defined tenure. 

    You can take up to ₹ 5 lakhs.

    No, we don’t charge any penalty for foreclosure.

    You can take up to 24 months to repay your Consumer Durable Loan.

    Auto Debit /ECS Facility:

    You can repay your loan through ECS or Auto Debit from your bank account. All you have to do is fill up a form and allow us to activate the bank mandate.

    PDC Facility:

    You can also provide us with post-dated cheques **** towards the repayment. However, you may be charged a small fee for the same.

    **** Cheque should be MICR or local clearing.

    In case you wish to swap the cheques or bank mandate from which the repayment will be done, then you or your representative (with an authority letter) would have to visit the branch. Swapping charges would be applicable.

    Flexible EMI Plans

    We offer flexible EMI plans to make your repayment easy  and convenient.

    Know How It Works

    Make your aspirations a reality with our Consumer Durable Loan. All you have to do is fill out a simple form, which takes less than 10 minutes. If you have biometric details, you don’t even have to upload any documents. We offer on-the-spot approval.

    Know How To Apply

    Got a question? Call us on 1860 267 6060 (customer care number) between 10 am to 8 pm. You can request a call back too.

    Walk into your nearest branch and apply for a Consumer Durable Loan.

    Find the right loan for you

    Don’t let finances keep you from bringing your dream smartphone home. Get quick and easy Tata Capital Consumer Durable Loans and fund your brand-new phone purchase seamlessly.

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    Mobile on EMI

    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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    Camera on EMI

    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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    Laptop on EMI

    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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    Electronics on EMI

    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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    Home Appliances on EMI

    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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    TV on EMI

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE

    INSIGHTS ON CONSUMER DURABLE LOAN