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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

New Commercial Vehicle Financing

  • First time user
  • Retail and strategic Clients

Used Commercial Vehicle finance

  • Repurchase
  • Refinance
  • Top up
  • Balance Transfer
  • Home
  • Personal Loan

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.

Instant 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, it 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 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.

Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.

  • Loan amount offered

    ₹75,000 - ₹35,00,000

  • Loan tenure

    Upto 6 Years

  • Interest rate starting @

Steps to Apply for 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? 

Key Features of Personal Loan

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.

Personal Loan Interest Rates & Charges

Interest rates can vary for different borrowers depending on key eligibility factors like monthly income, CIBIL score, loan amount, loan tenure, repayment capacity, employment nature, debt-to-income ratio, financial history, and more. So, the lower the personal loan interest rate, the lower the EMI you need to pay, and the more convenient your loan repayment becomes.

Personal Loan Documents Required for Instant Approval

We bring you a range of tailored personal loan options with simple eligibility criteria and minimal documentation. All you need to do is provide the required documents completely the first time, which includes your KYC documents, proof of employment and income proofs. Click here to know more.


Avail TATA Capital loans directly from WhatsApp

Types Of 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:

Visit your Dream Destination

You can tick-off an item in your bucket list by travelling to the dream destination of your choice with our travel loan. Tata Capital.

Get a personal loan for your marriage expenses

With Tata Capital's wedding loan, you can conveniently take care of all wedding-related expenses.

Renovate your home

Revamp your house conveniently with our Home Renovation Loan.

Emergency medical expenditures

With our Medical Loan, you can avoid financial duress with affordable interest rates and customized repayment schemes.

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.

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

Eligibility Criteria for Personal Loan Online

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. 

The Personal Loan eligibility for Salaried individuals:

  • Age should be between

    21 to 58 years

  • Minimum monthly income

    should be ₹ 15,000

  • Minimum of one year of

    work experience

Available payment options for Personal Loan

    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 Offline?

How to apply for a Personal Loan Online?

  • 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 1860 267 6060 and Contact Us to apply for a personal loan over the phone.

  • Virtual Assistant

    You can get in touch with TIA - our 24x7 virtual assistant, to apply for an instant personal 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.

More Personal Loan products for you

Personal Loan for goverment empolyees
Personal Loan for goverment empolyees

Personal Loan for goverment empolyees

Personal Loan for salaried employees
Personal Loan for salaried employees

Personal Loan for salaried employees

Personal Loan for women
Personal Loan for women

Personal Loan for women

What our customers say about us

Thanks for the support provided by Tata Capital during my bad days. The team gave me valuable support.


Personal Loan | 03 May, 2024

I have already appreciated the patience and professionalism that your staff has given during the entire tenure of this loan with Tata Capital. The practices and the way you interact with customers are best and are testimony of the TATA GROUP legacy. I am sincerely obliged to you for your help and cooperation.


Personal Loan | 02 May, 2024

Your services are very good. You understand the problems of your customers, and you will continue to be the first to help your customers in the future.


Personal Loan | 01 May, 2024

Tata Capital's work is very good, and their customer support is very helpful. Thank you, Tata.


Personal Loan | 30 April, 2024

Our experience with Tata Capital seems excellent. We are grateful for their consistent financial support tailored to Our needs. Tata Capital appears to be a humble organization with supportive and helpful staff, always treating customers with respect and value. We express gratitude to all Tata Capital members.


Personal Loan | 27 April, 2024

Excellent service. Tata Capital is my go-to source for funds in an emergency. I will refer all my friends and family members to get financial services from Tata Capital.


Personal Loan | 22 April, 2024

Excellent services provided. Looking forward for future requirements. Like to travel with tata capital along journey of life.


Personal Loan | 18 April, 2024

Dear Team, That was a really good experience for me. I have a good history and experience with Tata capital. Whatever feedback I give, they take it seriously and work on it to resolve the same. Tata capital is good as always. Thanks for the loan.


Personal Loan | 14 April, 2024

It is going to be a good relation with Tata Capital as I got help from here when I was not getting help from anywhere. Thanks for the trust.


Personal Loan | 09 April, 2024

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 Overdraft Loan

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 Personal Loan for Wedding

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 Personal Loan for Medical

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 Personal Loan for Travel

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 Personal Loan for Home Renovation