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Frequently Asked Questions

Tata Capital offers several Ways to Service:

  1. - Say ‘Hi’ on Tata Capital’s WhatsApp number 75067 56060 from your registered mobile number.
  2. - Login to Tata Capital’s Mobile App. To download and know about mobile app features, click here.
  3. - Log into Tata Capital website
  4. - Call our Customer Care Number 1860 267 6060
  5. - Email Us
  6. For a new loan requirement contactus@tatacapital.com
    Tata Capital Financial Services Limited

     

    Consumer Loans customercare@tatacapital.com
    Corporate Loans contactcommercialfinance@tatacapital.com
    Tata Capital Housing Finance Limited Home Loans customercare.housing@tatacapital.com

  7. - Visit Tata Capital’s service branches. To know your nearest branch, click here.
  8. - SMS Servicing - Send an SMS from your registered mobile number to 97059 66060. To know more details, click here.
  9. - Interact with TIA to know more about Tata Capital's products and services. TIA is also available on Google Assistant & Alexa.

 

Know more

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

I want to understand different entries in my statement of account

You will be redirected to the Log-in page where you can select the Loan Account Number and check why late payment 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.

For Retail Loans:

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

Unfortunately, the processing fee thus cannot be refunded.

 

For Home Loans/Loan Against Property:

Kindly note that the initial processing fee is charged towards evaluating your loan application and is non-refundable irrespective of the outcome. The same is also mentioned in the application form.

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 Overdraft Personal Loan

0.25% of the Reduced Assigned Limit or Rs. 1000 along with the GST, whichever is higher per year, will be deducted from the limit and shall be payable at the end of the 13th month, 25th month, 37th month and so on.
 

AMC for Overdraft Business Loan

First Year: 0.75% or 1000 along with the GST, whichever is higher will be deducted from the reduced assigned limit and shall be payable at the end of the 13th month.

Subsequent Years: 0.50% or 1000 along with the GST, whichever is higher per year will be deducted from the reduced assigned limit and shall be payable at the end of the 25th month, 37th month and so on.

 

AMC for Overdraft Loan Against Property

Rs. 10,000 + GST per year will be annually deducted from the reduced assigned limit.

For Retail Loans:

Late Payment Charge (LPC) is charged on a delayed EMI payment. It is calculated as an additional interest on the outstanding EMI amount, in case of a delayed EMI payment. Late payment charges may vary depending on the type of loan. You can log in to your account to check the charge applied to your loan account by clicking here.

 

For Home Loans/Loan Against Property:

Kindly note that the late payment charges is charged on the delayed EMI payment. This is calculated at 2% per month over and above the prevailing interest rate.

For updated Most Important Terms & Conditions, kindly download:

 

Mandate rejection charges are levied in case there is no active and valid payment instrument like NACH mandate for loan’s EMI repayment. The charges may vary depending on the type of loan. These charges would be applied every month until there is an active repayment mandate linked to your loan account.

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.

Account debited for an amount different from EMI

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

Reason for EMI bounce

You will be redirected to the Log-in page where you can select the Loan Account Number and what is not reason for EMI bounce. You can login via registered mobile number/registered email ID and OTP or via User ID and password

Request to Change EMI Due date

You will be redirected to the Log-in page where you can select the Loan Account Number and raise a request to change EMI due date. You can login via registered mobile number/registered email ID and OTP or via User ID and password

For Retail Loans:

EMI due date is fixed for a customer at the time of loan disbursement. Salaried customers have a choice to revise their EMI due date between 3rd, 5th or 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:

  • Facility of changing Due Date is available only if you are salaried in nature
  • You must not have any overdue in loan at the time of request. If any, kindly pay the overdue by clicking here

 

3. Once the request is raised & closed, intimation will be shared on your registered contact details. You may download the revised repayment schedule by logging into Tata Capital’s website.

Please note:

  • Broken Period Interest (if any) will be charged in the next EMI instalment. It is the interest accumulated, that is levied due to the difference between the old & new EMI due dates. For example – If your Loan’s EMI is Rs. 1000 and you have requested on 10th Oct for EMI due date change from 3rd to 9th of every month. Then your next EMI amount charged on 9th November may be amount to Rs. 1050 wherein Rs. 50 may be the interest charged from 3rd to 8th November.
  • Any requests submitted on or before 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

 

For Home Loans/Loan Against Property:

Kindly note that the EMI date is fixed for a customer at the time of the loan disbursement. Please reach out to our customer service team at customercare.housing@tatacapital.com

or Contact Centre on - 1860 267 6060 in case of any other queries in this regard.

For Retail Loans:

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

 

 

For Home Loans/Loan Against Property:

Kindly note that as per the standard process, EMI shall be presented by way on NACH/ECS on the EMI due date. Request you to kindly keep your account sufficiently funded. There is no option of advance EMI payment and the NACH/ECS registered with the loan account will by default be presented on the due date.

For Retail Loans:

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.

  • Raise the request by logging into Tata Capital’s website. Login here
  • You may also send us a request via email on customercare@tatacapital.com with a scanned image of your cancelled personalized cheque (with your name printed on it) of your new bank account or the account statement having the bank’s details with IFSC (Indian Financial System Code). After receiving the request with the document, we would send you an SMS with E-NACH registration link to your registered mobile number.

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

 

Note: Requests submitted between 27th day of the month & EMI due date, upcoming EMI will be debited from the existing bank account. Subsequent EMIs will be debited from new Bank account, post mandate is registered successfully.

Example - In the scenario of EMI due date on 3rd of every month. If the request is submitted between 27th September – 3rd October, October month’s EMI will be debited from existing bank account. New bank account will be debited from November month.

 

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.

 

Note: EMI will be presented to the existing bank till the time your new bank account gets updated in our records.

 

For Home Loans/Loan Against Property:

You are requested to visit nearest TCHFL service branch along with following documents:

For Salaried:

1.       Last 6 months bank statement of the new account

2.       Cheque book with minimum 3 cheque for post-dated and cancelled cheque pertaining to the new bank account.

3.       Duly filled NACH form (will be provided at branch)

4.       Last 3 months salary slips

5.       Request letter mentioning the reason for change in the bank account

For non-salaried:

1.       Last 12 months bank statement of the new account

2.       Cheque book with minimum 3 cheque for post-dated and cancelled cheque pertaining to the new bank account

3.       Duly filled NACH form (will be provided at branch)

4.       Last 2 years ITR

5.       Request letter mentioning the reason for change in the bank account

 

Note: NACH swapping charges of Rs. 550 + GST will be applicable and same is to be paid at the branch. Please refer to our MITCs for the updated details of the charges

 

For Retail Loans:

If your loan is Active

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 may cancel the mandate / debit instrument 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.

 

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. In case you decide to avail another loan from Tata Capital, this NACH mandate can be used for easy repayments of your future loans with us.

 

 

For Home Loans/Loan Against Property:

If your loan is Closed

Once your loan accounts are closed in our records and NOC is handed over to you, we will ensure that your NACH mandate submitted to TCHFL towards the closed loan accounts is not presented to your bank for any further EMI payment against your closed loan.

For Retail Loans:

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 checking 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.

 

 

For Home Loans/Loan Against Property:

Kindly note that in case there are overdue charges/billed charges in your account which is unpaid, the same may be presented along with your EMI or separately. Please refer to the split charges section to view the details of these charges. You may also download the Statement of Account (SOA) for more details. In case of any further queries in this regard after accessing the above statements, please write to us at customercare.housing@tatacapital.com

For Retail Loans:

You can make the payment of your overdue EMI / Charges through multiple easy and convenient options. To initiate, please visit the ‘Quick Pay’ option on Tata Capital’s website by clicking here. You can complete the payment via different payment options like:

1. Debit Cards

2. Internet Banking

3. UPI – Google pay, Paytm, PhonePe, BHIM App etc.

4. Wallet/Cash Card

 

 

For Home Loans/Loan Against Property:

Kindly note that you can make the payment of overdue EMI/charges through the Quick pay option available on  our website by entering your registered email id or mobile no.

In case of any assistance required in making the payment, please reach out to our customer care no. 1860 267 6060

The intimation of mandate rejection is sent through SMS to your registered mobile number.

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 Mobile Number & Address. 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 via:

  • Welcome letter, Sanction Letter or Loan Agreement. Get loan documents by clicking here
  • Loan Account Details on our customer portal. Click here to login
  • Loan Account Details in our Mobile App. Download Tata Capital App here
  • Loan details via WhatsApp. Say ‘Hi’ on Tata capital WhatsApp no. - 7506756060

 

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.

Get NOC on Registered Adderss

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

Get NOC on other Adderss

You will be redirected to the Log-in page where you can select the loan account number and raise a request to send the NOC to your other address. 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

Want to know the status of my online payment

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