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How To Apply For Consumer Durable Loan

How to apply for a Consumer Durable Loan?

We have eliminated any stress involved around the application process for consumer durable loan by designing a product that is totally hassle-free. It’s simple. It’s quick. Here’s what you need to do:

  • Check your eligibility

  • Select your loan amount and tenure

  • Submit your application


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 from Monday to Saturday. You can request a call back too.


Visit our branch and talk to our lending expert to secure a loan.

Features And Advantages


Briefly explained below are some of the features and advantages that Tata Capital’s consumer durable loans offer.

Quick loan approval: Our instant loan approval system ensures that borrowers can purchase the latest premium electronics and home appliances right away, without any delay on account of lack of funds.


Minimal documentation: To apply for a consumer durable loan from Tata Capital, interested borrowers are required to only provide minimal documentation. We only ask for the borrower’s basic KYC documents.


Pre-approved EMI card: Existing customers are automatically eligible for a pre-approved EMI card. 


Zero interest: Apart from an advance EMI and a nominal processing fee, Tata Capital does not levy any interest on consumer durable loans.


Zero foreclosure charges: Foreclosure of a consumer durable loan can be done at any point in time after the first EMI has been paid. We charge no additional penalties or charges for foreclosure.   

Special offer from group companies: Existing customers also get to enjoy a host of exclusive offers from group companies like Tata Sky and Star Bazaar.


Salaried employees aged between 21 years and 60 years can apply for a consumer durable loan from Tata Capital. Self-employed individuals in the age group between 21 years and 65 years are also eligible to apply for this loan.

The amount of loan you can avail ranges from ₹10,000 to ₹5,00,000, while the repayment tenure varies from 6 months to 24 months.

You’re free to choose a repayment tenure that’s convenient for you. The tenure can be as short as 6 months, or as long as 24 months. The longer the repayment tenure, the lower the EMIfor consumer durable loan. So, choose your tenure with which you are comfortable.

Tata Capital ensures that your approval process is carried out as quickly as possible. To eliminate any and all inconvenience for applicants, we provide instant, on-the-spot loan approval for borrowings up to ₹1,50,000.

Find the right loan for you