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Online Service Requests
Unpaid Charges applied to my Loan Account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view Unpaid Charges applied to your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

A loan transaction is always governed by the terms and conditions agreed upon by the borrowers at the time of availing such facility. In case of any default /non-compliance / breach of such terms and conditions, the company reserves its right to initiate appropriate action or proceed legally against the borrowers in terms of the loan agreement and in accordance to the applicable law. Legal fees are therefore applied when certain action needs to be taken against such borrowers. There are several kinds of legal fees that may be applied.

Application processing fees includes stamp duty and are non-refundable as per our guidelines. 

Unfortunately, the processing fee thus cannot be refunded.

CCOD Annual maintenance charges are levied on loan accounts with a flexible funding option such as Cash Credit or Overdraft. It is charged towards the maintenance of the Overdraft facility
 

AMC for personal loan 

0.25% on Dropline Amount along with the GST or Rs. 1000, whichever is higher per year, will be deducted from the limit and shall be payable at the end of the 13th month.
 

AMC for Business Loan

First Year: 0.75% or 1000 whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month

Subsequent Years: 0.50% or 1000 whichever is higher

per year will be deducted from the limit and shall be payable at the end of the 13th month
 

Loan Against Property CCOD

Rs. 10,000 + GST

Late Payment Charge (LPC) is charged on a delayed EMI payment. You are then required to pay the outstanding EMI plus the additional interest on your loan for the delayed period. The late payment charge depends on type of loan. You can log in to your account to check the charge applied to your loan account.

Mandate rejection charge is the charge levied in case we do not have an active and valid payment instrument like NACH mandate for EMI repayments. Tata Capital charges a nominal amount of Rs. 450 + GST.

These charges will be applicable on your EMI due date in case the account does not have an active NACH mandate. This charge would be applied every month until there is an Active Mandate linked to the account.
 

If your mandate is not yet registered, please click here (Redirect to register online E-Nach option)

Know your EMI Amount

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view your Loan Account EMI amount. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Know your EMI Due date

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view your Loan Account EMI Due Date. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Want to know my current month EMI clearance Status

You will be redirected to the Log-in page where you can select the loan account number and view the status of your EMI Clearance. You can login via registered mobile number/registered email ID and OTP or via User ID and password.

EMI due date is fixed for a customer at the time of disbursal of the loan. Salaried customer have a choice to revise their EMI due date to 9th of the month. 

Process to apply:

1. You can raise the EMI due date change request via 

 

2.Conditions to keep in mind while submitting your request:

 

3. Once the request is raised & closed, intimation will be shared with you on your registered contact details.

 

4. Revised repayment schedule will be triggered to the registered email ID

Please note: 

  •  Broken Period Interest charges (if any) will be charged in the next EMI date.
  • Any requests submitted by 20th of a month - the due date change will be effective from next month
  • If request is  submitted after 20th of a month - the due date change will be effective from next to next month

Currently advance EMI payment facility is not available for any type of loans offered by Tata Capital Financial Services Limited

Please click here to know if your bank is a participant for digital E-NACH
 

If your bank is a participant in digital E-Nach registration.

We request you to send us a request on customercare@tatacapital.com with a scanned image of your cancelled personalized (with your name printed on it) cheque of your new desired bank or the account statement having the bank’s details with IFS code. After receiving the request with the document, we would send you an SMS with eNACH registration link to your registered mobile number.
 

You are requested to complete the e-NACH registration with your bank by clicking on the link. Once registration journey is completed successfully, the new bank account details will be updated in our records.
 

Please also note that the next EMI will be presented to the existing bank till the time your new bank account gets updated in our records.
 

If your bank is NOT a participant in digital E-Nach registration.

Since your bank does not participate in digital e-NACH registration, we would need some physical documents from you. You can contact us to place a request for your Bank NACH change. Our service executive will connect with you on your registered mobile number to fix an appointment as per your convenience to collect the below documents.
 

1. Photocopy of a cancelled personalized cheque from the new desired bank account

2. Your consent and signature on the new NACH mandate form (executive will carry this form along with him)
 

Please note that it takes about 30 days for the NACH to be registered with the bank.
 

Please also note that the next EMI will be presented to the existing bank till the time your new bank account gets updated in our records.

If your loan is Closed

Once your loan is closed with us, we will ensure that your NACH mandate is not presented to your bank for any further EMI payment against your closed loan.

If your loan is still active

You can cancel the mandate / debit instruction directly with your bank by requesting them to stop/cancel the mandate. Such withdrawal instruction would be treated equivalent to a ‘stop payment’ instruction in cheque clearing system. However, if your loan is still active we would request you to reconsider your decision until any other mode of loan emi repayment is registered with us. Mandate cancellation without any other repayment mode may result into EMI bounce, Negative impact on your credit rating as well as levy of late payment charges and NACH mandate rejection charges.

You can make the overdue EMI payment by clicking here. You can also register your NACH mandate by clicking here.

You can login to your loan account to check if any  other charges are applied and debited along with the EMI amount. Click here to login.
 

If you are not satisfied after check your loan details and statement online, you may write to us on customercare@tatacapital.com and let us know the amount, the date on which it was deducted and also send us a copy of your bank statement reflecting the excess amount deduction.

You can make the payment of your overdue EMI / Charges through multiple easy and convenient options.

1. Debit Cards

2. Internet Banking

3. UPI

4. Wallet/Cash Card

5. Google Pay

6. BHIM App QR code

A NACH mandate rejection letter with reason of rejection is sent to our customer's registered address. The intimation of mandate rejection is also sent through sms to customer's registered mobile number. If your mandate is rejected, you will get intimation through the above 2 communication mediums

To update your address, please click here.

To update your registered mobile number, please click here 

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password

What is the current outstanding for my loan account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view Total Tenure of your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

What is the rate of interest on my loan account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view Total Tenure of your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

What is the balance tenure of my loan account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view Total Tenure of your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

What is the total tenure of my loan account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to view Total Tenure of your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

You can find the Rate of Interest for your loan in :

1. Welcome letter

2. Sanction Letter

3. Loan Agreement

4. Loan account Details on our customer portal (login to our website)

5. Loan Account Details in our Mobile App

6. Loan Account Statement

7. Customer Care IVR

NOC for Personal Loan Account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to download the NOC for your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

NOC for Business Loan Account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to download the NOC for your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

NOC for Consumer Durable Loan Account

You will be redirected to the Log-in page where you can select the Loan Account Number and will be able to download the NOC for your Loan Account. You can login via registered mobile number/registered email ID and OTP or via User ID and password

What is the status of my NOC

You will be redirected to the Log-in page where you can select the loan account number and view the status of your NOC. You can login via registered mobile number/registered email ID and OTP or via User ID and password.

NOC will be dispatched to your registered Address within 5 working days from the date your loan closure. 

In case you need us to send the NOC on any other address or at your nearest branch, you can contact us or visit the branch

Your CIBIL score will automatically get updated after a month of your loan closure

NOC will be dispatched to your registered Address within 5 working days from the date your loan closure. 

In case you need us to send the NOC on any other address or at your nearest branch, you can contact us or visit the branch

Your CIBIL score will automatically get updated after a month of your loan closure

Steps to follow:

1. Login to the overdraft portal using the user ID and password. To login, click here

2. To transfer money to your account, you need to raise an Online Disbursal Request. Click on the “Online Disbursal” tab where you get to select the bank account which is previously registered with us.

3. Enter the amount and click on "authorise".

4. You will be sent an OTP on your mobile. Enter the OTP and click on "submit" tab.

One does not have to make an online payment, if their mandate is registered with us. The EMI amount will be automatically debited on the monthly EMI due date from the bank account registered with us. One just needs to ensure that the bank account is kept sufficiently funded from a day prior to the EMI due date.

However due to any reason if the mandate is not activated/registered or the EMI has bounced then one can make an overdue amount payment online any day after the cycle due date. To pay online, click on https://www.tatacapital.com/online/payment/tcl-payments/#/pay-online.html or visit our Tata Capital website or pay via the Tata Capital app. To download the Tata Capital app, please visit the app store or the playstore.

Thanks!

Mandate rejection charge is the charge levied in case we do not have an active and valid payment instrument like NACH mandate for EMI repayments. Tata Capital charges a nominal amount of Rs. 450 + GST.

These charges will be applicable on your EMI due date in case the account does not have an active NACH mandate. This charge would be applied every month until there is an Active Mandate linked to the account.
 

If your manadate is not yet registered, please click here (Redirect to register online E-Nach option)

What is the Foreclosure charges applicable to my loan

You will be redirected to the Log-in page where you can select the loan account number and check the foreclosure charges specific to your loan account by referring to the loan sanction letter. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Part payment can be made only at Tata Capital Service branches. 

Kindly note the below points- 

 

For Personal loans:

  • No part payment is allowed during the first 6 months (Lock-in period).
  • Part Prepayment is allowed once per year and the minimum gap between two part prepayments to be six months. 
  • A maximum of 50% of the principal outstanding is allowed by way of part prepayment during a single year. 
  • A part prepayment charges of 2.5% + applicable taxes shall be applicable on amount over and above 25% of principal outstanding.
  •  Minimum part payment to be made is two EMI’s.
  • Impact of Part Payment will be on tenure, EMI will remain the same.

 

For Loan against properties:

  • Part payment will be as per the conditions mentioned in the sanction letter. 
  • No part payment is allowed during the first 9 months (Lock-in period).
  • After 9 months, a maximum of 25% of the principal outstanding is allowed by way of part prepayment during the entire tenor of the loan, with payments being made in 2 tranches at the maximum.
  • Minimum part payment to be made is two EMI’s.
  • Impact of Part Payment will be on tenure, EMI will remain the same.

 

Part Payment is not applicable for Business loan, Used Car Loan, Two Wheeler loan and Consumer durable loans.

Pre-closure of loans may or may not be the right step. You need to analyse your financial situation before paying off the entire loan amount at once. There are pre closure charges that one needs to pay. Details as below.

Steps to follow:

 

1. Where to raise your request:

  • Personal Loan/Business Loan/Used Loan: Raise a request at the nearest service branch or call the Customer care or write to us on our customer care email ID or via the Tata Capital Mobile app and web portal.
  • Loan Against Property: Raise a request at the nearest service branch.
  • Consumer Durable & Two Wheeler Loan: Login to our Tata Capital Mobile app or the web portal and click on the "Foreclosure Option" for details.

 

2. Please note below points:

  • For Personal loan and used car loan- Foreclosure cannot be done for 6 months from loan disbursed date and no part payment done in the last 6 months
  • For Business loan- Foreclosure cannot be done for 9 months from loan disbursed date
  • For Loan against property- Foreclosure cannot be done for 12 months from loan disbursed date and no part payment done in the last 9 months 
  • There should not be any overdues at the time of request. If any, kindly pay the overdues immediately via the below link prior to raising any request. To Pay now, click on https://www.tatacapital.com/online/payment/tcl-payments/#/pay-online.html

 

Our Customer care representative at the branch or on email and voice will assist you for the next steps. 

There would be charges applicable as per the details shared on your loan agreements. To know the standard charges, click on the below links for details:

In case you are unable to visit our branch, you can send your representative along with an authority letter duly signed by the loan applicant. The authorised representative visiting the branch needs to carry the below mentioned documents:
 

Self Identification Proof ((Driving License or Passport or Voters card or PAN Card)

Main applicant Identification proof' signed copy (Driving License or Passport or Voters card or PAN Card)

Authorisation letter from main applicant.

Update Mobile number

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Update Email ID

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Update PAN

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Update Date of Birth

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Update Communication Address

You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Date of Birth. You can login via registered mobile number/registered email ID and OTP or via User ID and password