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Business loans for all your needs
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
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Avail Loan Against Securities up to ₹40 crores
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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit ScoreAvail Loan Against Property up to ₹3 crores
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Loans for all your needs
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Loans for all your needs
Shop with our QIK EMI card at authorized dealerships and repay with easy EMIs
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Loan Restructuring for COVID-19 related stress
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
Bring home the happiness with Tata Capital’s QIK EMI Card!
If you’ve been waiting for a long time to save money and buy your favorite gadgets and electronic appliances, your wait is seemingly over! With a QIK EMI Card, you can now enjoy online or offline shopping and convert your transactions into Equated Monthly Instalments or EMIs.
Through this card, we offer you a pre-approved loan limit of up to Rs. 1.5 lakhs so that you can purchase a range of eligible products on EMI. These may include a brand-new smartphone, TV, laptop, air conditioner, refrigerator, washing machine, microwave, and home theatre, among others.
You can simply visit any of our authorized retail stores across India or shop online from the Tata Neu & Croma website to take home the desired products on EMI. All you need to do is use our QIK EMI Card to pay for your products.
Maximum Loan Limit
Up to Rs. 1.5 lakhs
Loan Tenure
6 months to 24 months
Interest rate
Starting from 0% p.a.
A QIK EMI Card can help you upgrade your lifestyle in more than one way. Below are a few reasons to apply for a QIK EMI Card with Tata Capital:
We have built a simple 3-step process to provide QIK EMI Cards to our customers. Below are the steps in which you can get your Tata Capital QIK EMI Card:
To get your QIK EMI Card, you are required to fulfill very basic eligibility criteria and submit your basic KYC documents. Below are our eligibility requirements for providing a QIK EMI Card:
The age of the customer should be between 21 years and 60 years
The maximum loan limit allowed on a card is Rs. 1.5 lakhs
The repayment tenure for purchases can range between 6 months and 24 months
Please note that the final eligibility decision for a QIK EMI Card is at the sole discretion of Tata Capital Financial Services Ltd. To know more, you can connect with us at 1860-267-6060 between 9 AM and 8 PM on all days except national holidays. You can also write to us at customercare@tatacapital.com.
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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