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What is a personal Loan?

A personal loan is an unsecured credit that you can avail without pledging any collateral. Unlike other loans, a personal or unsecured loan has easy eligibility criteria, special offers and unrestricted end-use for you to finance your immediate expenses, be it a medical emergency or a foreign trip.

Tata Capital provides easy personal loans available at attractive interest rates, starting at 10.99%. Avail a loan up to Rs. 25 lakhs through a simple online process with minimal documentation and an easy to meet eligibility criteria. Get flexible tenures up to 6 years and repay your personal loan EMI as per your convenience. Tata Capital offers fast loan processing and tailored personal loan offerings ideal to fund your diverse financing goals.

Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.


Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

 Up to 6 years

Interest Rates starting at


Personal Loan Advantages

Multipurpose Personal Loan

No matter what the occasion is, we have the right personal loan offering for you. Be it for weddings, higher studies, travel or any other purpose.

No Collateral/Security

We don’t ask for any collateral or security for Personal Loans.

Overdraft Facility

Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.

Zero charges on Part Pre-Payment

You can pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

Multipurpose Personal Loan

No matter what the occasion is, we have the right personal loan offering for you. Be it for weddings, higher studies, travel or any other purpose.

No Collateral/Security

We don’t ask for any collateral or security for Personal Loans.

Overdraft Facility

Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.

Zero charges on Part Pre-Payment

You can pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

When Can You Take a Personal Loan?

A personal loan helps you address various financial needs conveniently. Major expenses often come up without warning, so don’t let them drain all your savings. Here are some common scenarios where you can take personal loans:

  • Travel - Need a break from the rush and hubbub of city life? Plan the perfect trip at the best vacation spots with our easy personal loans tailored for your travelling needs.   Know More >

  • Medical - Health crises can arrive unannounced, manage your expenditure with a hassle-free personal loan. Get instant access to funds in an easy borrowing experience with Tata Capital’s medical loan.   Plan Now >

  • Education - Your child deserves the best education from the leading institutions. Get Tata Capital’s customised personal loans and manage your educational expenses like tuition fees, living costs, and more.   View Now >

  • Wedding - Weddings are an expensive affair, but don’t let the cash crunch crash your dream wedding. Avail a personal loan for wedding and bring your fairy-tale wedding to reality.   See More >

  • Home Renovation - Redecorate, restyle, and refurbish your home with trends and designs of your choice. Spruce up your dream house with a personal loan from Tata Capital and conveniently repay through flexible EMI options.   Know More >

Who Can Take a Personal Loan?

Tata Capital provides unique and flexible personal loans for salaried individuals. The following can get a personal loan Tata Capital:

  • Salaried individuals

  • Students
  • Retired Individuals


Availability of personal loans for salaried individuals depend on job stability, income, age, work experience, and CIBIL score.

How To Get Instant Personal Loan?

Step 01

Enter Details

Enter Name, Mobile Number and verify with PAN number

Step 02

Input Loan Requirements

If pre-approved, input your Personal Loan requirement within the sanctioned limit

Step 03

Personal Details

Enter your Personal Details & Banking details

Step 04

Set up your E-mandate

Complete a one time netbanking transaction authorization

Step 05

Additional Facility

Avail Insurance to safeguard against your Personal Loan liabilities

Step 06

Instant Personal Loan

Accept E-Agreement, verify your Personal Loan details & enjoy the Instant Disbursement!

There you go! Simple, isn’t it?

Personal Loan Eligibility

Applicant’s personal loan eligibility depends on various factors, including a fixed monthly income, age, nature of employment, CIBIL score, professional experience, etc. For a quick personal loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria.Your personal details including your PAN number, CIBIL score & KYC documents.


The personal loan eligibility for Salaried individuals:

  • Age should be between 22 to 58 years

  • Minimum monthly income should be ₹ 15,000
  • Minimum of one year of work experience


The personal loan eligibility for Self-Employed individuals:

  • Monthly income of at least ₹ 15,000
  • Age must be between 22 to 58 years

  • Work experience of at least one year

Documents Required for Personal Loan

The following are the documents required for personal loan with Tata Capital:

  • Photo Identity Proof documents
  • Income Proof documents
  • Salary Slips
  • Address Proof documents and
  • Employment Certificate


To know the entire list of accepted documents, visit our personal loan documents page.

What is the Importance of CIBIL Score for Personal Loan?

CIBIL score, an important indicator of your credit health, is a three-digit number summarising your credit history, report, and rating. The score ranges from 300 to 900 and indicates your ability to repay your personal loan amount in a timely manner.


CIBIL score plays a decisive role in the personal loan application process. When a self-employed or salaried individual approaches a financial institution for a loan, the lender checks the CIBIL score and report of the applicant. If your CIBIL score is low, it reduces your chances of getting the loan. The score also affects your loan interest rates, tenure, amount, and EMI. The higher the CIBIL score, the better.


Generally, the minimum CIBIL score required for availing a personal loan is 750.

What is a Personal Loan EMI Calculator?

Personal Loan EMI calculator helps you calculate the EMI that you need to pay towards the principal payments and interest payment over the loan tenure. Use the EMI calculator to know how much money you can pay monthly over a period of time that’s comfortable for you. With the help of our Personal Loan EMI calculator, you can plan your monthly installments and conveniently pay off the loan. 


How to Apply for a Personal Loan?

For offline loan applications:

  • Visit your nearby Tata Capital branch.
  • Submit the personal loan application and the required documents.
  • You can also get in touch with Tata Capital representative over a phone call.
  • Offline loan applications can take a few business days to process.


For an instant personal loan applications, go online:

  • To get swift approval on the personal loan, apply online with necessary details.
  • Personal loan online applications are approved within minutes from submission.
  • Acquire loan eligibility and furnish the required documents.
  • After that, experts verify the loan application and submitted papers.
  • Upon approval, the loan is sanctioned, and you receive the amount directly in your bank account.

What are the Personal Loan EMI options available?

  • Standard EMI

The standard EMI option under personal loans is one in which you get the freedom to pay off your principal loan amount inclusive of interest consistently on a monthly basis. Here, the interest is charged on the total principal amount that was borrowed. 

  • Flexi Interest-Only Loan EMI

A flexi interest-only EMI option offers a pre-approved cash limit that can be withdrawn as and when you are in need of funds. Here, the interest will be charged only on the amount used and not on the total principal amount borrowed. 

  • Step-Up Flexi Loan EMI

A step-up flexi EMI option in personal loan is one which offers greater flexibility. Under this plan, you can pay lower EMIs in the beginning and pay more gradually as your salary hikes.

To understand the repayment options available to you, visit our Personal Loan EMI options page

Instant Personal Loans in Your City

Get instant access to funds and take care of a wide range of financial needs anywhere in the country. With limited documentation and a hassle-free loan approval process, you can avail a personal loan for amounts as high as Rs. 25 lakhs. Tata Capital provides quality services and 24x7 assistance across major cities in India.

Looking to tick things off your bucket list but short on funds? Get a quick personal loan in any of India’s top commercial cities with Tata Capital.

7 reasons why you should choose us

Tata Capital, a name you can trust

With the customers’ individual desires and needs in mind, our team at Tata Capital guides you at every step and offers specific financial solutions.

We offer attractive interest rates

Our Personal Loan interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay. 


We’re flexible

Our Personal Loan lets you choose the loan amount, tenure and EMI period for which you need the loan.

We’re not going to bother you about collateral

No collateral? No problem. We don’t want you to give any security to cover the Personal Loan.

We are not going to make you run around

We only ask for minimal documentation to process your application. We just need some mandatory information like the source of your income and the purpose of the loan.

We offer tailor-made loans

Our personalised approach gives us the edge and has left countless of our customers satisfied. You are not just an application form to us. We understand that one size doesn’t fit all. 

We’ve been in the industry for a long time

This means we understand your needs and we will tailor our services to your needs. If you look good, we look good.




Pay your EMI using our website or mobile anytime, anywhere.


Select a nearby branch to drop a cheque at your convenience.


Watch this video to find out more about Tata Capital Personal Loans. Planning for a holiday abroad, your child's higher education, a home renovation or even a wedding in the family? No matter what the occasion is, Personal Loans from Tata Capital help you take care of any financial responsibilities effortlessly.


Getting a Personal Loan is simple and quick. To get your loan approved swiftly, you will be asked to provide the following details:

Your personal details including your PAN number, CIBIL score & KYC documents Copies of your pay slips, address proof and bank statements

Find out more about Personal Loan Eligibility and Documents for more details.

We provide Personal Loans from a minimum of ₹ 75,000 to a maximum of ₹ 25,00,000/- depending on your eligibility.

Your Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken.

You can choose your EMI amount that is comfortable for you by using the Personal Loan EMI calculator.

Enter the following information to calculate your EMI:

  • Loan Amount (The loan amount you wish to get)
  • Personal Loan Interest Rate
  • Loan Tenure (Period ranges from 12 -84 months)
  • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
  • If the Personal Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4

Personal loans can be taken for a variety of different purposes, such as follows –

  • Travel – Strike off a dream location you have been craving to visit with an easy personal loan

  • Education – Give your child the quality education they deserve with a personal loan

  • Wedding – No other event in a person’s life is more special than a wedding. Throw a wedding of a lifetime by taking the aid of a personal loan

  • Medical – Need funds for a medical emergency? Opt for a personal loan to meet your urgent needs

  • Debt Consolidation – Need to meet other costlier loan repayments? A personal loan can help you out!

No, you do not need any collateral or security for availing a personal loan with Tata Capital.

Online personal loan applications can be approved within seconds to a few minutes of submission! Offline applications, on the other hand, may take a few business days from the date of submission for approval.