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Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
An instant way to fund your larger expenses
Modern-day smartphones come equipped with some advanced features, such as quad camera set-up, waterproof design, hi-speed processor, and 5G internet support. A high-end smartphone not only makes your daily tasks easier but also acts as a status symbol.
If you don’t want to deplete your savings, you can buy your mobile on EMI through Tata Capital’s consumer durable loans. Our mobile loans come with a range of attractive features and benefits, such as a high loan limit, zero processing fees, instant approval, and flexible repayment options. Additionally, you can avail of pre-approved offers from us for buying a smartphone on EMI without any hassles.
You can buy mobile on EMI by applying for mobile loans online or offline. When you apply for finance for mobile with Tata Capital, you stand to benefit in more than one way. Here is why you should buy phone on EMI from us:
To be eligible for our mobile loans, you are required to meet very easy eligibility criteria in terms of age and employment status. Below are our eligibility requirements for providing loans on mobiles:
The age of the applicant should be between 21 years and 65 years
The applicant needs to be a salaried or self-employed individual
We provide maximum finance for mobile of up to Rs. 5 lakhs
The tenure for our mobile loans can range between 6 months and 24 months
Please note that the final decision of approving loans on mobiles rests solemnly with Tata Capital. You can get in touch with our customer care executive for more details on our mobile loans’ eligibility criteria.
By availing of finance for mobile from Tata Capital, you can purchase your favorite mobile on EMI with zero inconveniences. Our mobile loans are available online and offline with a simple application process. Below are the steps you need to follow to buy phone on EMI from us:
Eligible customers can also get pre-approved offers while buying mobile on EMI from us. To check your pre-approved offers, you can visit our website or contact our customer care helpline at 1860 267 6060 between 9 AM and 8 PM on all working days.
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).
Your EMI depends on the loan amount and the defined tenure.
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.
We offer flexible EMI plans to make your repayment easy and convenient.
Consumer durable loans are essentially unsecured borrowings. As a result, the lender does not have the security of a collateral to rely on. This is why your credit history plays a key role in determining your eligibility for a consumer durable loan. Lenders tend to look into your borrowing history and your credit profile to verify if you’re a trustworthy borrower. The higher your CIBIL score, the better is your eligibility for consumer durable loan
Consumer durable loans are unsecured loans. As a result, you do not need to provide any collateral as a security. This also means that there’s no mortgaging involved in the process of applying for a consumer durable loan.
The documents required for availing a Consumer Durable Loan from Tata Capital are –
PAN card
An address proof such as your driving license, voter ID, passport, or NREGA card
A duly signed NACH mandate
A cancelled cheque, if applicable
EMI cheques as applicable
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.
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