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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.
Apply NowPERSONAL 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.
Apply NowPERSONAL 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.
Apply NowWEDDING LOAN FUNDING UP TO RS. 35 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.
Apply NowLOANS 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.
Apply NowAVAIL 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!
Apply NowThinking 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.
Apply NowHOME 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.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
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.
Apply NowCUSTOMISED 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.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
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
With 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
Used Car Loan
APPLY NOWMutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA 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.
Insurance
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreTata Capital provides easy Microfinance Loans available at attractive interest rates. Avail a loan up to Rs. 2 lakhs through a simple process with minimal documentation. Get flexible tenures up to 36 months and repay your Microfinance loan EMI as per your convenience.
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Lowest interest rates starting at 8.95%*
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Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Loan Against Securities
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
LOAN AGAINST SECURITIES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
Two Wheeler Loan
Mutual Fund
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Insurance
Insurance
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Personal Loan EMI Calculator
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20,000*Looking for an instant way to fund your larger expenses? Get an instant personal loan!
But what is a personal loan? It is an attractive loan option that you can consider for various purposes without pledging any collateral. Whether you want to finance a medical emergency, take a much-needed family vacation, or give your home a long-awaited makeover, it allows you to tackle your urgent financial needs with utmost ease.
At Tata capital, we strive to ease your financial worries with our range of multipurpose personal loans online. Get affordable and unsecured credit of up to Rs. 35 lakhs at attractive interest rates. The best part? We have made the loan process extremely convenient for you with our digital application process and easy-to-meet eligibility criteria.
Besides, we offer flexible loan tenure of up to 6 years, making your loan repayment much easier on your pocket. Get ready to experience a hassle-free loan process like never before – enjoy fast loan processing and customised instant personal loan offerings depending on your diverse financial needs.
Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.
PLANNING TO TAKE A PERSONAL LOAN?
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.
₹40,000 - ₹35,00,000
Up to 6 years
10.99%
No matter what the occasion is, we have the right offering for you. Be it for weddings, higher studies, travel, or any other purpose.
We don’t ask for any collateral or security.
Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.
You can prepay 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 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.
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 prepay part of the loan any time after 6 months of availing a Personal loan without any penalty or additional fee.
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 avail of an instant personal loan:
Tata Capital provides unique and flexible Personal Loans for individuals. The following can get a Personal Loan Tata Capital:
Salaried Individuals
Individuals earning a regular income of at least Rs. 15,000 and meet other eligibility requirements can avail of an instant Personal Loan from Tata Capital. Just present your KYC documents and relevant income proof for quick application processing and loan disbursal.
Students
If you're a student looking for a way to finance higher education or make a big-ticket purchase, get a co-signer and avail of a Personal Loan online. Instant approval and speedy disbursals are guaranteed perks when applying at Tata Capital.
Retired Individuals
Retired professionals who are collecting a monthly pension are also eligible for a Loan. Whether you're a defence pensioner or a government one, as long as you meet the required conditions, you can avail of a quick loan from Tata Capital.
Availability of Personal Loans for salaried individuals depend on job stability, income, age, work experience, and CIBIL score.
Enter Name, Mobile Number and verify with PAN number
If pre-approved, input your Personal Loan requirement within the sanctioned limit
Enter your Personal Details & Banking details
Complete a one time netbanking transaction authorization
Avail Insurance to safeguard against your Personal Loan liabilities
Accept E-Agreement, verify your Personal Loan details & enjoy the Instant Disbursement!
Before understanding how to get an instant personal loan, you must check the eligibility. Your eligibility depends on various factors, including a fixed monthly income, age, nature of employment, CIBIL score, professional experience, etc. For an instant personal loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria. You also need to share personal details including your PAN number, CIBIL score & KYC documents.
Eligibility for salaried individuals:
The following are the documents required for getting an instant personal loan with Tata Capital:
To know the entire list of accepted documents, visit our Personal Loan documents page.
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 loan on time.
CIBIL score plays a decisive role in the loan application process. When a self-employed or salaried individual approaches a financial institution for a loan, the lender checks the CIBIL score and personal finance 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.
A CIBIL score is a numerical summary of your repayment capacity. It is a 3-digit number, ranging between 300 to 900, which provides a snapshot of your past track record. As a result, the score is used to assess your creditworthiness and decide the terms of the loan.
In the case of a loan, where the amount is approved and advanced without collateral, your CIBIL score becomes a critical eligibility criterion. Typically, a CIBIL score above the 700 mark is considered good and attracts easy approval.
However, to receive approval from Tata Capital, your CIBIL score should ideally fall between X and Y.
When you receive a pre-approved offer for a Personal Loan, it simply means that the lender has evaluated your creditworthiness and agreed to advance a loan. So, you don't need to go through the initial stages of the application process and receive a guaranteed loan in the least time possible. So the overall processing time becomes shorter.
Generally, borrowers who have a spotless history of paying credit dues are eligible for instant pre-approved loans. However, other criteria like monthly income, credit score, age, etc., also play a decisive role.
Got a high CIBIL score and a spotless credit history? Get a pre-approved loan from Tata Capital online.
A Personal Loan EMI calculator helps you calculate the EMI that you need to pay towards the principal payments and interest payments over the loan tenure. Use the EMI calculator to know how much money you can pay monthly over a period that’s comfortable for you. With the help of our EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.
For offline loan applications:
For online applications:
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 every month. Here, the interest on the loan is charged on the total principal amount that was borrowed.
A step-up Flexi EMI option 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
Get instant access to personal loans online 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 of a personal loan online for amounts as high as Rs. 35 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 personal loan in any of India’s top commercial cities with Tata Capital.
With the customers’ individual desires and needs in mind, our team at Tata Capital guides you at every step and offers specific financial solutions.
Our interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay.
We let you choose the loan amount, tenure, and EMI period for which you need the loan.
No collateral? No problem. We don’t want you to give any security to cover the loan.
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. You can apply for an instant personal loan online and get approved in minutes.
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.
This means we understand your needs and we will tailor our services to your needs. If you look good, we look good.