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What is a personal Loan?

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.


Key Features

Loan Amount

₹40,000 - ₹35,00,000

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 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.

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.

Who Can Take a 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.

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?

What Is the Personal Loan Eligibility?

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:

  • Age should be between 22 to 58 years
  • Minimum monthly income should be ₹ 15,000
  • Minimum of one year of work experience

What are the Documents Required for Getting a Personal Loan?

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

  • Photo Identity Proof documents
  • Income Proof documents
  • Salary Slips
  • Address Proof documents
  • 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 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.

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 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. 

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 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.

What is a Personal Loan EMI Calculator?

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.

How to get an Instant 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 online applications:

  • To get swift approval, apply online with the necessary details.
  • Online applications are approved within minutes of submission.
  • Acquire loan eligibility and furnish the required documents.
  • After that, experts verify the 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 every month. Here, the interest on the loan is charged on the total principal amount that was borrowed. 

  • Step-Up Flexi Loan EMI

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

Instant Personal Loans in Your City

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.

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

We’re flexible

We let 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 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. You can apply for an instant personal loan online and get approved in minutes.

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.