Personal Loan

ABOUT PERSONAL LOANS

Need quick cash for an unexpected financial emergency? Turn to Tata Capital Personal Loans to cover your immidiate financial requirements. We provide Personal Loans for a variety of reasons including marriage, education, home renovation, travel or even medical needs. With interest rates starting at 10.99 % and tenure up to 72 months, you can find all your desires within reach.  You can get up to ₹ 25 lakhs of Personal Loan just by either talking to our representatives, visiting a nearby branch or through the online application. We have made the process of obtaining a Personal Loan simple and flexible for you to get quick access to money when you’re in need.

 

Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.

KNOW MORE ABOUT OUR OFFERINGS

Key Features
Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

12 - 72 months

Interest Rates starting at

10.99%

Advantages
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.

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 pre pay 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 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.

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 pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

Personal Loan Eligibility

You need to meet some basic conditions to be eligible for a Personal Loan. Some of the general personal loan eligibility factors are meeting the monthly income criteria of Rs 15,000 while being at least 22 years of age.  To get your loan approved swiftly, you will be asked to provide the following details:

Your personal details including your PAN number, CIBIL score & KYC documents.

Copies of your pay slips, address proof and bank statements.

Find out more about Personal Loan Eligibility and Documents for more details.

Personal Loan Calculators

 EMI calculator for personal loan helps you understand the EMI that you will 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 of time 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. Pre-payment of a personal loan involves repaying a large instalment of your loan before the due date. The Personal Loan pre-payment calculator allows you to assess the effect of such early loan repayments on your finances including your resultant EMI, tenor etc.Calculate your EMIs now.

Application Process

Online Application

You can apply for a personal loan by just filling up your basic details.

Document Submission

Post receiving your loan eligibility, furnish the required documents to take your application ahead.

Verification

We will verify your personal loan application; and submitted documents.

Approval

Post approval, the loan is sanctioned.

Disbursal

Receive the required personal loan in your bank account - it's that simple!

Fees and Charges

When you apply for a Personal Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure or part pre-payment charges, all information is transparently provided for smooth processing of your personal loan. Get a comprehensive breakdown of Personal Loan Fees and Charges.

 

EMI options

Choose the right EMI option for you as per your timelines and budget. Know more about our available Personal Loan EMI options.

 

 

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.

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.

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 personalized 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.  

FAQ

Getting a Personal Loan is simple and quick. To get your loan approved swiftly, you will be asked to provide the following details:

Your personal details including your PAN number, CIBIL score & KYC documents Copies of your pay slips, address proof and bank statements

Find out more about Personal Loan Eligibility and Documents for more details.

We provide Personal Loans from a minimum of ₹ 75,000 to a maximum of ₹ 25,00,000/- depending on your eligibility.

Your Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken.

You can choose your EMI amount that is comfortable for you by using the Personal Loan EMI calculator.

Enter the following information to calculate your EMI:

  • Loan Amount (The loan amount you wish to get)
  • Personal Loan Interest Rate
  • Loan Tenure (Period ranges from 12 -84 months)
  • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
  • If the Personal Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4

Find the right loan for you

WHY CHOOSE US

CUSTOMIZED PRODUCTS
MINIMUM DOCUMENTATION
EASY APPLICATION PROCESS
STRONG AFTER SALES SERVICE

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