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    • Interest rates starting at 10.99%

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    Personal Loan - Personal Loan

    Personal Loan: TATA Capital offers personal loans in India to help you meet your financial needs at attractive interest rate. Apply for Personal Loans online.

    Personal Loan Features and Benefits
    Eligibility and Documents
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    Personal Loan - Personal Loan EMI Calculator

    Personal Loan: TATA Capital offers personal loans in India to help you meet your financial needs at attractive interest rate. Apply for Personal Loans online.

    Personal Loan - Personal Loan Eligibility

    Unique Personal Loanfrom Tata Capital where you pay only interest as EMI Interest Starts @ 11.07%p.a.

    Personal Loan - Nearest branch

    Unique Personal Loanfrom Tata Capital where you pay only interest as EMI Interest Starts @ 11.07%p.a.

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    • 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

    Apply online through our website by filling in your application form. 

    Got a question? Call us on 1800 209 6060 (toll-free) 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.

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE