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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

Personal Loan by Tata Capital

Looking for an instant way to fund your larger expenses? Get an instant personal loan!

But what is a Personal loan? A Personal loan is an attractive loan option that you can avail 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, a personal loan 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 personal finance 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.

  • Loan amount offered

    ₹40,000 - ₹35,00,000

  • Loan tenure

    Upto 6 Years

  • Interest rate starting @

Instant Personal Loan under 5 minutes

Wondering how to get instant personal loan for your financial needs? Just follow these simple steps-


Enter Details

Enter Mobile Number and Name which is verified with PAN number


Input Loan Requirements

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


Personal Details

Enter your Personal & Banking details


Set up your E-mandate

Complete a one-time eMandate authorization for EMI payment


Additional Facility

Avail Insurance to safeguard your Personal Loan liabilities against unforeseen emergency.


Instant Personal Loan Disbursement

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

There you go! Simple , isn't it? 

Personal Loan key features

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. It is an unsecured loan.

Overdraft Facility

Need extra money? We let you withdraw funds upto an agreed limit by availing a Personal Loan Overdraft option. Interest is charged only on the amount utilised.

Zero charges on Part Pre-Payment

You can part prepay upto 25% of the principal outstanding at any time after 12 months of availing a Personal Loan without any penalty or additional fee. You can part prepay upto a maximum of 50% of the principal outstanding by way of part prepayment during a single year. Part prepayment amount over and above 25% will attract prepayment charges as applicable.


Avail TATA Capital loans directly from WhatsApp

When can you take a Personal Loan?

A Personal Loan helps you address various personal finance 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:

Debt Consolidation

Is keeping a track of multiple personal loan instalments becoming a challenge? Manage your finances better by consolidating your existing personal loans into one and clear dues comfortably. Avail of a quick and easy Personal Loan from Tata Capital and reduce your EMI burden considerably.

Visit your Dream Destination

You can tick-off an item in your bucket list by travelling to the dream destination of your choice with your loved ones. Tata Capital Personal Loan can fulfil your travel plan instantly for a much-needed break.


Make a Down Payment

Struggling to arrange the down payment for the property you want to buy? With a Personal Loan online from Tata Capital, book your dream house without any difficulty. Get the required funds within minutes of approval and at competitive rates.

Cover Relocation Charges

From transportation charges to buying home essentials, moving from one city to another accompanies a slew of expenses. To make sure the process is easy on your pockets, get a Personal Loan from Tata Capital and repay the amount in flexible EMIs.

Loans should be instant, and the best deals too.

Get the best loan deals with our pre-approved offers

Check If You’re Pre-approved

Instant & paperless Personal Loan of upto ₹1,00,000

    • Starting at 10.99% interest rate
    • Zero processing fees
Apply Now

Who can take a Personal Loan?

Wondering how to get instant personal loan for your financial needs? Just follow these simple steps-

Salaried individuals

    Individuals earning a regular income of at least Rs. 20,000 and meeting 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. Check out Personal Loan for salaried employees now.

    Availability of Personal Loans for salaried individuals depend on job stability, income, age, work experience, and credit bureau history and score.

What is a Personal Loan?

Personal Loan EMI or Equal Monthly Instalment is the amount that you need to pay every month for repaying your principal loan amount at the applicable rate of interest over the chosen loan tenure. It is the sum of the principal component and interest component.

Besides, we offer a flexible personal loan tenure of up to 6 years, making your loan repayment much more affordable 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.

The 3 How’s of deciding the right EMI

  • How soon do you want to pay off the Personal Loan?

  • How much can you afford to pay in a month?

  • How much of an interest rate are you comfortable with?

How to Check Eligibility for Personal Loan?

Applicant’s personal loan eligibility depends on various factors, including fixed monthly income, age, nature of employment, credit bureau score, professional experience, etc. For a quick Personal Loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria. 

The Personal Loan eligibility for Salaried individuals:

  • Age should be between

    22 to 58 years

  • Minimum monthly income

    should be ₹ 20,000

  • Minimum of one year of

    work experience

What is the Importance of CIBIL score for Personal Loan?

Credit Bureau (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 salaried individual approaches a financial institution for an instant personal 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 instant personal loan. The score also affects your loan interest rates, tenure, amount, and EMI. The higher the CIBIL score, the better.

How much CIBIL score is required for a Personal Loan?

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 case of a Personal 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.

If you don't know your Credit Bureau Score and are wondering, you can visit the below link for a free bureau report. We got you covered!


What is a pre-approved Personal Loan?

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 loan 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 Personal Loan from Tata Capital online.

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 that’s comfortable for you. With the help of our Personal Loan EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.

Available payment options

Available payment options

    Pay online

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

    Drop a cheque

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

How to apply for a Personal Loan?

How to apply for a Personal Loan?

  • Branch

    You can visit your nearest Tata Capital branch with the required documents, and our executives there will guide you through the process.

How to apply for a Personal Loan?

  • Online

    You can visit the Tata Capital website and apply for an online business loan by filling out a business loan application form.

  • Over the Phone

    You can contact our customer care number and request a call-back to apply for a business loan over the phone.

  • Virtual Assistant

    You can get in touch with TIA - our 24x7 virtual assistant, to apply for an instant business loan from your home or office.

What are the Personal LoanEMI options available?

Standard EMI

The standard EMI option under Personal Loan is one in which you get the freedom to pay off your principal loan amount inclusive of interest consistently on a monthly basis using an EMI (Equated Monthly Instalment). Here, the interest is charged on the total principal amount that was borrowed on a reducing basis.

Step-Up Flexi Loan EMI

Tata Capital provides unique and flexible Personal Loans for Salaried individuals. Now that you know what a personal loan is, the following can get a Personal Loan from Tata Capital:

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

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.

Instant Personal Loans in your city

Tata Capital provides unique and flexible Personal Loans for salaried individuals. Now that you know what is a personal loan, the following can get a Personal Loan from Tata Capital:

Personal Loan in Delhi

Are you facing a cash crunch in the national capital of Delhi? Tata Capital has your back.

Personal Loan in Bangalore

Need to manage immediate expenses in the Garden city of India? Take an instant Loan

Personal Loan in Mumbai

Get the best loan interest rates in Mumbai. Connect with Tata Capital in your city.

Personal Loan in Hyderabad

Fund your unforeseen expenditures in the city of pearls, Hyderabad with Tata Capital.  

Personal Loan in Pune

Enjoy customised Personal Loans in Pune. Find more at Tata Capital.

Personal Loan in Chennai

Facing a cash shortage in Chennai? Head over to Tata Capital for affordable Personal Loans.

Personal Loan in Gurgaon

Are you facing a cash crunch? Connect with Tata Capital to know more. 

Personal Loan in Kolkata

Enjoy customised Personal Loans in Kolkata. Find more at Tata Capital.

Personal Loan in Jaipur

Manage unforeseen expenses with ease. Tata capital has your back.

Personal Loan in Chandigarh

Facing a cash shortage? Connect with Tata Capital to know more. 

Personal Loan in Surat

Enjoy a seamless process to avail Personal Loans. Tata Capital has your back.

Personal Loan in Kerala

Conveniently finance all your requirements. Connect with Tata Capital to know more. 

Personal Loan in Vishakhapatnam

Avail our multi-purpose personal loans to meet your unique requirements. Connect with Tata Capital.

Personal Loan in Ahmedabad

Get access to credit quickly at affordable interest rates. Find more at Tata Capital.

Personal Loan in Lucknow

Finance your goals and meet your capital requirements. Connect with Tata Capital.

More Personal Loan products for you

Goverment man image

Personal Loan for goverment empolyees

If you are a government employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Salaried man image

Personal Loan for salaried employees

If you are a salaried employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

doctor mobile image

Personal Loan for doctors

If you are a doctor looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Woman image

Personal Loan for women

If you are a women looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

What our customers say about us

Tata Capital's systematic and professional approach is much better than private banks too.

Premprakash M Mourya

Personal Loan | 25 April, 2023

Excellent experience with Tata Capital's executive in overall guidance, communication and support.


Personal Loan | 15 April, 2023

My experience with Tata Capital was excellent. Quick service was given. All staff is polite and humble. I thank you Tata Capital, and wish you all the same in future.


Personal Loan | 14 April, 2023

Responding quickly, comfortable communication for explaining about the process. Excellent service Tata Capital. Thank you for best service.


Personal Loan | 14 April, 2023

Tata Capital's overall performance is too good, apart from other sources.

Alexi Peter Almeida

Personal Loan | 13 April, 2023

Tata Capital is excellent supporter for improving our financial position.

Imam Khan V S

Personal Loan | 10 April, 2023

Amazing services. I'm really fully satisfied by your online services and immediate response. No need to visit offices to take loan/closure or any other queries. Everything gets clear with immediate and excellent response through online. Really I didn't find any glitch for improvement. Thank you very much team Tata Capital.


Personal Loan | 08 April, 2023

Tata Capital's service is good. Keep up the good work. Best customer service. 10 out of 10.


Personal Loan | 05 April, 2023

It was a nice experience with Tata Capital, I have faced lots of challenges in last 2 years. Thank you for your help and for understanding my situation. If given a chance, I will definitely recommend Tata Capital to everyone. Thank you.


Personal Loan | 04 April, 2023

Find the right Loan for you

Overdraft Loan

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.

Avail multiple withdrawals and part-payment facilities without any extra charges.

Overdraft Loan

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Personal Loan for Wedding

A marriage today comes with its fair share of frills, thrills and not to mention - Bills.

An equal lifetime as partners, with highs and lows, joys and woes for better or worse, must begin with taking equal financial responsibility for your wedding too

Personal Loan for Wedding

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Personal Loan for Medical

In times of emergency, getting funds should be a hassle free experience. That’s how we have designed our Medical Loan - a loan that is easy, fast and convenient.

We provide flexible repayment options for all cosmetic, medical and dental procedures.

Personal Loan for Medical

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Personal Loan for Travel

Want to fund your vacation but falling short on funds? An EMI based loan can be an ideal way to pay for a holiday that you can’t quite cover in one go.

Tata Capital Personal Loan for Travel is how you can make it happen. Head off on your next adventure.

Personal Loan for Travel

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Personal Loan for Education

Tata Capital offers Education Loan 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.

With quick approval rates, minimal documentation and competitive interest rates, we are levelling the playing field with Student Loans so you can fulfil your potential.

Personal Loan for Education

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Personal Loan for Home Renovation

Thinking of revamping your home? A home that reflects your personality, your style and your taste. We help you do just that with our Personal Loan for Home Renovation.

From making extensive upgrades to your interiors to finally addressing your basic repair and maintenance needs, we are the answer to your home needs. You deserve a better home. We’re here to help you.

Personal Loan for Home Renovation

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