Personal loan starting
@ 11.99% p.a
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@ 8.75% p.a
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Check Credit ScoreAvail Loan Against Property up to ₹ 10 Crores
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Get Education Loan up to Rs. 2 crores
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Education Loan – TCL Retail Prime Lending Rates (TCL RPLR)
| Effective From | TCL RPLR |
|---|---|
| September 1st 2024 | 11.50% |
| May 1st 2024 | 11.30% |
Note: The above PLR will be applicable for the cases disbursed on or after 1st May 2024.
| Effective From | TCL RPLR |
|---|---|
| March 11th 2024 | 15.25% |
| December 22nd 2023 | 15.00% |
Note: The above PLR will be applicable for the cases disbursed before 1st May 2024.
3% per month on overdue amount
These are those charges that are levied in case of an EMI bounce per instance. In other words, these charges are levied when you miss a loan EMI payment due to inadequate funds in your bank account. At Tata Capital, you’ll be required to pay Rs. 600 per instrument per instance.
Charges will be levied if a new mandate form is not registered within 30 days from the date of rejection of the previous mandate form by the borrower’s bank for any reason whatsoever. Tata Capital charges a nominal amount of Rs. 450 + GST.
NA
NA
NIL
Rs. 550/- per swap instance
NA
Rs. 550/-
Rs. 550/-
At Actuals
Customer Portal – Nil
Branch walk-in – Rs. 250/-
Nil
1% + GST
Nil
Nil
Nil
Nil
Nil
Nil
Rs. 5,000/-
| Factor | Eligibility |
|---|---|
| Nationality | Indian |
| Age | 18 to 35 years |
| Qualification | Completed 10+2/diploma |
| To pursue course | Graduation/Postgraduate degree or a PG diploma in professional education |
| University applied to | Listed, recognized, and accredited institutes in India and abroad |
| Basis for loan sanction |
|
| Loan amount |
|
| Co-borrower | Father, mother, brother, sister, spouse (husband/wife), grandparents, parents-in-law, maternal/paternal uncle |
| Security | Property, fixed deposit, Existing Tata Capital home loan for cross collateral. |
You would need a list of documents to apply for an education loan. Click here to check the list.
Education loan interest rates are calculated based on factors like the loan amount, tenure, and borrower profile. Tata Capital applies competitive rates, with interest calculated on the disbursed amount.
Education loan interest rates depend on factors like the loan type (secured or unsecured), lender’s base rate, loan amount, repayment tenure, borrower’s academic record, co-applicant’s financial profile, institution reputation, government subsidies, and market conditions.
Tata Capital education loans cover tuition fees, accommodation, travel, meals, living costs, books, and essential equipment like laptops. Additional costs like exam fees and study materials are also included.
You can avail of an education loan for a wide range of courses, including undergraduate, postgraduate, and doctoral programs, as well as professional, technical, and vocational training. Loans cover studies both in India and abroad at recognized institutions, ensuring access to quality education and specialized career paths.
Yes, education loans offer tax benefits under Section 80E of the Income Tax Act. You can claim a deduction on the interest paid for up to 8 years starting from the loan repayment date. This benefit applies only to loans from recognized financial institutions and is limited to the interest component, not the principal.
Up to 13 years.
Tata Capital offers both secured and unsecured education loans. Collateral will be based on case to case.
Last updated on: 31 Jan, 2025
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