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PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
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Minimum age: 21 years
Maximum age: 60 years
Minimum work experience: 2 years
A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card
A copy of your Ration Card / Electricity Bill / Passport
A copy of your Salary account bank statements for the last six months showing your salary slips
A Copy of your Salary slips for the last three months
Minimum age: 21 years
Maximum age: 65 years
A copy of your Voter ID / Passport / Driving License / Aadhaar Card
A copy of your Ration Card / Electricity Bill / Passport
Your latest bank statements & Income Tax returns for the past 2 years
Applicants are required to fulfill certain eligibility criteria for consumer durable loans. The criteria primarily depend on the applicant’s nature of employment.
Salaried individuals
To meet the consumer durable loan eligibility criteria, salaried applicants need to fulfill these requirements.
Minimum age: 21 years
Maximum age: 60 years
Minimum work experience: 2 years
Self-employed individuals
Minimum age: 21 years
Maximum age: 65 years
What are the documents required for a consumer durable loan?
In keeping with our minimum documentation policy, Tata Capital lists the following as common documents required for a consumer durable loan application.
KYC documents that include proofs of identity and address issued by the government
A recent passport-size photograph of the applicant
One cancelled cheque/IMPS validation
A duly signed ECS mandate
One non-dated cheque issued in favor of TCFSL, mentioning the entire amount of loan needed
In addition to the consumer durable loan documents mentioned above, applicants need to offer proof of their income as follows:
Salaried individuals
One copy of the applicant’s salary account bank statement for the previous 6 months
A copy of the salary slips for the previous 3 months
Self-employed individuals
Latest bank statements
Income tax returns for the previous 2 years
An EMI calculator is an easy-to-use online tool that assists interested borrowers in understanding their EMI breakup better. It’s freely accessible by all users and helps borrowers arrive at the right loan amount and repayment tenure according to their budget.
Using an EMI calculator for consumer durable loan is extremely simple. Users only need to feed in the following data.
The amount of loan required
The intended repayment period
On doing this and selecting the “calculate” option, the EMI calculator arrives at the EMI breakup and shows the principal and interest components transparently. Furthermore, in case users find the EMI too high, they can modify the input amount and the tenure to receive a more affordable EMI option.
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