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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.

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

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
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 Current Outstanding amount 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 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 Rate of Interest on 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 Balance 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

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

Steps to follow:

1. Login to the overdraft portal using the user ID and password. To login now, click on https://apps4.tatacapital.com/CashCreditWebApp/#

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.

 

We also have a 3 min video for you to view and understand how to use our portal and the features. To view, click on:https://bit.ly/2LUTebs

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!

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.