Home
Personal Loan

Personal Loan

An instant way to fund your larger expenses

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.

Overview

Apply Now

Overview Required Documents Application Process Rates & Charges

Calculators

EMI Options

Personal Loan by Tata Capital

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

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 personal loan 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

₹75,000 - ₹35,00,000

Loan tenure

Upto 6 Years

Interest rate starting @

10.99% p.a

View Rates & Charges

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

Apply via 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
Processing Fee - 5.5% + GST

Get Personalized Offer

What is a Personal Loan EMI?

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 in 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?

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 personal loan 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.

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 ₹ 15,000

Minimum of one year of

work experience

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 personal loan 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.

Check CIBIL Score

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?

Branch

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

Locate a Branch

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.

Apply Now

Over the Phone

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

Request a call back

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

A Step-up Flexi Personal Loan EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs at the beginning and as your salary increases, you pay higher EMIs. Know more about Personal Loan EMI options.

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.

Learn More

Personal Loan in Bangalore

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

Learn More

Personal Loan in Mumbai

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

Learn More

Personal Loan in Hyderabad

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

Learn More

Personal Loan in Pune

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

Learn More

Personal Loan in Chennai

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

Learn More

Personal Loan in Gurgaon

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

Learn More

Personal Loan in Kolkata

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

Learn More

Personal Loan in Jaipur

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

Learn More

Personal Loan in Chandigarh

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

Learn More

Personal Loan in Surat

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

Learn More

Personal Loan in Kerala

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

Learn More

Personal Loan in Vishakhapatnam

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

Learn More

Personal Loan in Ahmedabad

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

Learn More

Personal Loan in Lucknow

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

Learn More

More Personal Loan products for you

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.

Apply Now

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.

Apply Now

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.

Apply Now

What our customers say about us

Excellent service. Communication skills was good and trustworthy service for customer.

YUVARAJ RAI

Personal Loan | 15 November, 2023

Fast and quick process. Much helpful during emergency.

MARIA ANITHA

Personal Loan | 08 November, 2023

Excellent service ,no hidden information kept, usefully provided facility of loan and other things. Thanks for cooperative staff

SUNIL Pandurang NAGOTKAR

Personal Loan | 07 November, 2023

Good service, understanding the requirements of the customer.

AJAY CHINE

Personal Loan | 06 November, 2023

Everything is fine. There is no lack of service department. I am 100% satisfied.

RAJ RISHI DUBEY

Personal Loan | 05 November, 2023

Great experience. Unbelivable for me that in such a short time my loan was approval and disbursment.

HEMANG BHARATBHAI GOR

Personal Loan | 04 November, 2023

Good Services from Tata Capital to understand need of perople.

Kishor ARVIND Bhandare

Personal Loan | 03 November, 2023

Friendly team members easy understandable of the product. Good Service!

SANTHOSH kumar

Personal Loan | 02 November, 2023

Achieving a target is easy, maintaining your focus is difficult. Don’t lose sight of your aim & vision. You have been doing an outstanding job so far. Keep up the good work! Best wishes .

MAHIDHAR DHARANI

Personal Loan | 01 November, 2023

Read All

Popular FAQs

Yes, you can apply for a personal finance even if you have a low credit score. However, since your credit score indicates your creditworthiness, a low score can reduce your chances of loan approval.

But having a high credit score of 750 and above can offer you the following benefits.

#1. You can get a longer loan tenure. This means smaller EMIs that can be paid easily.

#2. You can get competitive interest rates with a high credit score.

#3. A high credit score also boosts your chances of getting a pre-approved loan.

Alternatively, you can consider applying for a joint loan with your spouse, parent, and siblings to improve your chances of loan approval.

Whether you're looking to give your home a fresh look or plan your special day, a personal finance can provide you with the necessary financial support to conveniently address your immediate financial requirements.

At Tata Capital, we have gone a step further to offer you loans specifically designed for home renovation and weddings at competitive interest rates.

Yes, you can get a personal finance if you are in need of urgent funds to cover healthcare expenses.

At Tata Capital, we offer loans specifically designed to meet your medical needs. You can avail yourself of our medical loans, with affordable interest rates and flexible repayment options, allowing you to manage your medical expenses effectively.

If you're considering making a significant one-time purchase, such as buying a car, financing a wedding, or a holiday, a personal finance is a suitable option. However, if you need immediate funds for purchasing consumer durables like a refrigerator, laptop, or music system, you can choose a consumer durable loan provided by Tata Capital.

We offer consumer durable loans at competitive interest rates and with an easy application process.

While Tata Capital has no hidden fees, we do charge nominal processing fees. Processing fees of up to 5.5% of the loan amount and document charges are applicable and will be deducted from the loan amount at disbursement.

Tata Capital allows you to prepay your personal finance with certain conditions.

#1. Part Prepayment is allowed once a year; the minimum gap between two-part prepayments is six months.

#2. A maximum of 50% of the principal outstanding is allowed through part prepayment during a single year.

#3. No part payment is allowed during the first 12 months (Lock-in period).

#4. The minimum part-payment amount must be greater than or equal to two months' EMI

When it comes to prepayment charges, Tata Capital allows you to part prepay up to 25% of the principal outstanding (after the 12 months lock-in period) without any penalty or additional fee. However, part prepayment amount of over and above 25% will attract prepayment charges as applicable.

Yes, Tata Capital offers top-loan to its customer to meet their financial needs. Even if you are not and want to top-up your personal finance , you can opt for the ‘balance transfer’ facility. You can shift your current loan from other lenders to Tata Capital and avail of the top-up loan amount.

If you are an NRI seeking a personal finance , it's important to note that not all banks provide loans specifically for NRIs. Therefore, as an NRI, you cannot apply for a loan designed for Indian residents.

However, at competitive interest rates and flexible tenure.

Yes, you can apply for a personal finance with a co-applicant. If the joint applicant has a familial relationship with the borrower, they can be eligible for the loan. For example, your co-applicant can be your spouse, parents, or siblings. Plus, the co-applicant must meet the eligibility criteria of the loan provider. They must be earning and should have a credit score of 750 or above.

Here are some benefits of applying jointly for a loan:

#1. Increases approval chances of the loan: When you apply for a loan with a co-applicant, the lender considers both applicants' income to determine eligibility. If your income is low, having a co-applicant with a higher income can help increase your chances of getting a quicker approval for the loan.

#2. Eligible for more favourable terms: You can be eligible for higher loan amounts and competitive interest rates if you have a co-applicant with a high credit score and income. This will give you more financial flexibility.

#3. Enjoy shared responsibility: With a joint application, the responsibility of repaying the loan is shared between both applicants. That's why each applicant enjoys the benefit of lower monthly EMIs and shorter repayment tenure. Plus, it significantly reduces your interest obligations, allowing you to pay off the debt more quickly.

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.

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.

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.

Know More

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

Know More

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.

Know More

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.

Know More

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.

Know More

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.

Know More

Blogs

Personal Loan

Quick Links

Check Your Credit Score

Looking for Secured Business Loans?

Check Your Credit Score

Avail Digital Equipment Loans up to Rs. 1 Crore

Avail Leasing solutions for all asset classes

Offers & Updates

Download the Moneyfy App

Take a Tata Capital Home Loan

Apply for a Tata Card

Sign in to unlock special offers!

You are signed in to unlock special offers!

Quick Links for loans

Quick Links for Insurance

Avail Digital Equipment Loans up to Rs. 1 Crore

Avail Leasing solutions for all asset classes

Personal Loan

Loan amount

Loan duration

Loan duration

Rate of interest

Personal Loan by Tata Capital

Instant Personal Loan under 5 minutes

Enter Details

Input Loan Requirements

Personal Details

Set up your E-mandate

Additional Facility

Instant Personal Loan Disbursement

Personal Loan key features

Multipurpose Personal Loan

No Collateral/Security

Overdraft Facility

Zero charges on Part Pre-Payment

Avail TATA Capital loans directly from WhatsApp

When can you take a Personal Loan?

Debt Consolidation

Visit your Dream Destination

Make a Down Payment

Cover Relocation Charges

Loans should be instant, and the best deals too.

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

What is a Personal Loan EMI?

How to Check Eligibility for Personal Loan?

The Personal Loan eligibility for Salaried individuals:

What is a pre-approved Personal Loan?

Available payment options

Pay online

Drop a cheque

How to apply for a Personal Loan?

How to apply for a Personal Loan?

Branch

How to apply for a Personal Loan?

Online

Over the Phone

Virtual Assistant

What are the Personal LoanEMI options available?

Standard EMI

Step-Up Flexi Loan EMI

Instant Personal Loans in your city

Personal Loan in Delhi

Personal Loan in Bangalore

Personal Loan in Mumbai

Personal Loan in Hyderabad

Personal Loan in Pune

Personal Loan in Chennai

Personal Loan in Gurgaon

Personal Loan in Kolkata

Personal Loan in Jaipur

Personal Loan in Chandigarh

Personal Loan in Surat

Personal Loan in Kerala

Personal Loan in Vishakhapatnam

Personal Loan in Ahmedabad

Personal Loan in Lucknow

More Personal Loan products for you

Personal Loan for goverment empolyees

Personal Loan for salaried employees

Personal Loan for women

What our customers say about us

YUVARAJ RAI

Avail Digital Equipment Loans
up to Rs. 1 Crore

Avail Leasing solutions
for all asset classes

Sign in to unlock
special offers!

Avail Digital Equipment Loans
up to Rs. 1 Crore

Avail Leasing solutions
for all asset classes