Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
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PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
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PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
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WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
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LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
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AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
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PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
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HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
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HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
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CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
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UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
A better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
A better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
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APPLY NOWWith Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
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PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
GujRERA or the Gujarat Regulation and Development Act is credited with effectively regulating the real estate sector in Gujarat. The policies written and implemented by the state authorities protect the rights of both the homebuyers and developers.
Already in effect, RERA Gujarat boasts a substantial portfolio of 5,600 projects within the state. Implementation of RERA in Gujarat has brought accountability and transparency to the state’s real estate sector.
The RERA or Regulation and Development Act passed by the Indian Government in 2016 brought credibility to the commercial and residential development projects. Passed at the Centre, this Act is enforced by all the states of India, with Gujarat being one of them.
By choosing a RERA-Approved home, you are purchasing a vetted piece of property where the developer cannot dupe you by vanishing with the money or delaying possession of your home. Therefore, if you're planning on buying a house in Gujarat, make sure it’s approved under RERA Gujarat.
It is also mandatory for all housing and commercial real estate developers to register under this Act. Unregistered builders cannot, by law, promote or sell their properties in Gujarat or anywhere else. So if you're a developer or builder working on a residential or commercial project in the state, make sure to register yourself and your project on time.
Buying a GujRERA-approved property means investing in a legitimate home where the developer has all licenses and clearances. This Act has not only increased the trust between buyers and sellers but also made the purchasing and made home loan process within the state a seamless process, which wasn't the case earlier.
RERA Gujarat aims to achieve the following through its rules and policies.
This regulatory body works towards providing customer-centric solutions for real estate woes.
It also monitors service delivery and creates a transparent atmosphere for real estate buyers and sellers.
It aims to protect buyers’ funds. How? Under RERA, developers must deposit 70% of their collections for schemes under construction. This money is released to builders only once they hand over the property to the buyer.
Gujarat RERA aims to instil more accountability in the developers to complete and hand over projects on time.
Buyers can now access detailed information about the property they wish to buy by law, thanks to RERA in Gujarat.
The policies enlisted within Gujarat RERA aims to provide fair compensation to buyers for project delays.
One of its main objectives is to provide a grievance platform and quick resolution to unhappy buyers. To this end, RERA in Gujarat has set up appellate tribunals, where this body aims to settle all cases within 60 days.
Here are some of the top benefits of registering with RERA Gujarat:
A property or piece of land registered under RERA in Gujarat is considered authentic and safe for purchase by buyers. Buyers are also sure of such a house's quality and delivery timeline.
Developers can be held accountable for any fault in the construction of the property for up to 5 years from the possession date. What's more, thanks to GujRERA, developers are mandated to carry out repairs within 30 days once the buyer files a complaint.
Since Gujarat RERA acts like a godparent for all real estate stakeholders, reaching out to them with grievances is easy, and the resolution is quick. This holds true for home buyers, sellers and independent real estate agents and brokers.
It is compulsory for all developers to have a RERA registration. This eliminates fly-by-night builders with a dubious scheme who vanish with trusting home buyers’ funds.
RERA Gujarat does not only provide redressal to home buyers but also developers and independent real estate agents, for they too can file a case or complaint with the regulatory body.
Checking whether a project is registered with RERA Gujarat is simple, and you can do it online. Follow these steps:
Visit the official GujRERA web portal by clicking here.
You’ll find a blank space right in the middle of the page where you can type in your search.
Search for your project, developer or agent by typing in their name. For instance, if your builder’s name is Shivalik, type ‘Shivalik’ in the search bar and click on ‘Search’.
Once you hit 'Search', the portal will display whether they are registered with Gujarat RERA or not.
You can also try the 'Advanced Search' option. When you click on the 'Advanced Search' instead of just 'Search', the portal will not only show you whether a developer is registered with Gujarat Real Estate Regulatory Authority (RERA) but also their address, project type, district, sub-district and more.
If your result shows up with nothing, be wary of that buyer. They may not hold a registration with the state's RERA authority or are waiting for one. However, experts recommend only buying from builders who already have a RERA license.
Finding a project’s listing on RERA Gujarat is straightforward. Here is the process you should follow.
Visit the official website of Gujarat RERA.
On the top section of the website, you will find a tab called ‘Registration’.
From the drop-down menu, select either ‘Project’ or ‘Agent’.
When you click on either of the tabs, the list of registered projects or agents will open on the screen.
You can narrow down your search by selecting the radio button that says ‘Affordable housing’.
You can filter your search further by dropping down the 'All' option and selecting the category you wish to look at.
Want to register with RERA Gujarat? Here are the documents you will need:
Submit your photograph if you’re an individual promoter.
If you run a real estate development company, your registration certificate and photograph of the authorized signatory.
Photographs of all project heads or partners of the development company.
Information on projects constructed in the last 5 years.
Form 1 from the architect, Form 2 from the structural engineer, and Form 3 from the Chartered Accountant involved in the development project.
Company balance sheet and profit and loss statement of the last 3 years.
Details of cash flow and director’s report of last 3 years.
Auditor’s report and Income Tax Returns (ITR) acknowledgements.
A copy of the company’s PAN card.
Encumbrance and project commencement certificate
Approved building/plot and layout plan
Sale agreement proforma
Land documents
All NOCs from relevant authorities
Form B as per the GujRERA
Brochures of all currently ongoing projects
Site photos
If you want to register as an agent with Gujarat RERA, here are the documents you’ll need:
Detailed information of your organization like name, address, and type of enterprise.
Name and contact information and a photograph of the real estate agent who wants to register.
A copy of their PAN card.
A copy of your business’s address proof.
If you are a developer or builder operating in Gujarat, you will need to register your project, whether completed or under-construction, for approval. To provide maximum convenience, GujRERA offers a digital portal for all such registrations. You simply need to follow a few steps to register under RERA Gujarat. Here they are:
Visit the official site of RERA for Gujarat.
On the home page, you’ll see an option for ‘Project Registration’.
Click on that, and you'll be taken to another page with a digital form asking for details like 'Promoter Type', 'Email Id', etc.
Fill up the form on the Gujarat RERA site, and also select your ‘Promoter Type’. You can choose from options like ‘Company, Partnership, Limited Liability Partnership’, and many others.
After this, click on 'Next' to receive an OTP. After verifying the OTP, you will complete your project's RERA Gujarat registration.
Also, do note: you can only register real estate projects after registering the project's promotor(s) and developer(s) first.
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