Personal loan starting
@ 11.99% p.a
All you need to know
Personal loan for all your needs
Check Your Credit Score
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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@ 8.75% p.a
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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.
Need quick funds without collateral? Apply for a personal loan online with Tata Capital and get instant personal loan approval for expenses like medical emergencies, home renovation, travel, or weddings. With loan amounts up to Rs. 35 lakhs at attractive interest rates, managing big expenses is hassle-free. The online process is simple, with minimal paperwork and easy eligibility criteria. Apply today and handle your financial needs without any stress!
Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan amount offered
₹40,000 - ₹35,00,000
Loan tenure
Upto 6 Years
Interest rate starting @
11.99% p.a
Applicant’s personal loan eligibility criteria 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.
Age should be between
21 to 58 years
Minimum monthly income
should be ₹ 15,000
Minimum of one year of
work experience
To apply for a personal loan online, you need to submit just a few documents. These include:
At Tata Capital, we offer instant personal loans starting at just 11.99% p.a.
| Category | Charges |
|---|---|
| Interest Rate % | 11.99%* onwards |
| Default in Interest or Principal payments | 3% per month on defaulted amount (Annualized Penal Charge of 36%) |
| Dishonour of Payment Disbursements or Cheques | Rs. 600 for every Cheque/Payment Instrument Dishonour |
| Mandate Rejection Service Charge | Tata Capital charges a nominal amount of Rs. 450 + GST |
| Processing Fees | Up to 5.5% of the loan amount + GST |
| Hybrid Term Loan Annual Maintenance Charges | 0.25% of the reduced assigned limit OR Rs.1000/—(whichever is higher) shall be payable at the end of the 13th month. |
| Collection Charge | Charges will be ‘At Actuals’ |
| Statement of Accounts | You will be charged only if you ask for a hard copy in case of a branch walk-in at Rs. 250 + GST. Downloading a statement of account on the portal is free of cost. |
| Loan Cancellation Charges | 2% of the Loan Amount/ Facility amount OR Rs. 5750/- (whichever is higher) |
| Payment Instrument Swapping Charges | If you want to swap your eMandate or post-dated cheques from another account for EMI repayment purposes, you will be charged Rs. 550 + GST per instance. |
| Duplicate Repayment Schedule | For duplicate statements of the Repayment Schedule, charges are Rs. 550 + GST per instance |
| Duplicate NOC | Rs. 550 along with the GST. |
Wondering how to get instant personal loan for your financial needs? Just follow these simple steps-
There you go! Simple , isn't it?
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:
Get the best loan deals with our pre-approved offers
A Personal loan is an attractive loan option that you can avail for various purposes without pledging any collateral. It allows you to tackle your urgent financial needs with utmost ease.
The interest rates on a personal loan can typically vary anywhere between 10.99% and 35% p.a. based on the eligibility calculation and how you fulfil the personal loan eligibility requirements of the financial institution.
Up to 5.5% of the loan amount + GST
You can avail a loan for minimum 12 months and up to 72 months
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. Besides, we offer a flexible personal loan tenure of up to 6 years, making your loan repayment much more affordable. 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.
Minimum monthly income should be ₹ 15,000
Foreclosure charges are as follows: 1. Lock-in Period: 12 months from the date of first disbursement. 2. 4.5% of the principal outstanding at the time of foreclosure. 3. 2% extra of the principal outstanding to be levied if closed within lock-in period
Rs. 35,00,000
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.
Our Personal Loan Application Process is entirely online and requires minimal paperwork. Apply now with few easy steps.
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.
You can apply for a personal loan online through our simple application process. By submitting minimal documentation, selecting the desired loan amount and tenure you can proceed with your requirement. Post these steps, the loan amount will be disbursed basis your eligibility.
Repaying a personal loan efficiently is crucial for financial stability and a good credit score. Common methods include:
EMI (Equated Monthly Installments): Fixed monthly payments via automatic debit.
Online Banking: Conveniently schedule and manage payments online.
Tata Capital Apps: Manage payments and view loan details on the go via the Tata Capital App.
Cheque Payments: Issue post-dated cheques for EMI amounts.
Loan Prepayment: Pay off part of your loan early to reduce interest.
Choose the method that suits your needs for timely repayments and financial management.
Last updated on: 03 Apr, 2025
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