Can I get a Rs. 10 lakh loan using just my Aadhaar card and PAN card?

At Tata Capital, you can procure a personal loan using your Aadhaar card and PAN card as part of the required documents. Here's what a salaried individual needs to submit: 1. Application form with a recent photograph 2. Proof of identity and residence 3. Self-attested PAN Card copy 4. Income proof 5. Bank Statements

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10 Lakhs Personal Loan

₹10 Lakhs Personal Loan

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Get a Personal Loan for ₹10 Lakhs Instantly

Are you in need of funds for any special occasion, higher education, medical emergency, or home renovation? With Tata Capital, you can avail instant personal loans of up to Rs. 10 lakh. We offer a worry-free application process, attractive interest rates, and quick disbursal to cater to your financial requirements. Our amenable loan options are conceived to offer convenience and quick approvals, guaranteeing you have the monetary freedom to realise your goals. With us, fulfilling your ambitions has never been easier.

Apply for ₹ 10 Lakhs Personal Loan in India

Use Tata Capital’s online personal loan EMI calculator to easily compute your monthly payments. Simply input the loan amount, interest rate, and repayment tenure to get an estimate of your EMIs before applying.

Loan amount

₹

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Rate of interest

10% p.a 19% p.a

Monthly EMI

Total Amount Payable

0*
Total Interest Payable

0*

Total Amount Payable

Total Interest Payable

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Features and Benefits of Personal Loans for ₹10 Lakhs

Flexible EMI options

Choose from a wide variety of EMI plans that suit your budget and financial goals. You can have repayment terms of up to 6 years, and repay the loan at a pace that is comfortable for you.

Digital and Paperless Process

Experience the ease of our fully digital and paperless loan application process. Skip lengthy paperwork and save time with our efficient system designed to offer you maximum convenience while applying for your personal loan.

Attractive Interest Rates

Tata Capital offers highly competitive interest rates so that your loan repayments are affordable and stress-free. Enjoy manageable monthly instalments without putting a strain on your financial health.

Minimal Documentation Required

We want as little paperwork as possible. Only minimum essential documents like income proof, KYC documents, and your employment details are required to get you started.

No Collateral Required

Our Rs. 10 lakh personal loan is unsecured. That means no need for collateral or asset pledges. This ensures a seamless and quick process to securing your funds.

Eligibility Criteria for ₹10 Lakhs Personal Loan

To be eligible for a personal loan of up to Rs. 10 lakh from Tata Capital, salaried applicants must meet certain criteria, such as a steady income, employment type, and other key factors.

1. Age: Applicants must be between 21 to 58 years of age.

2. Monthly Income: A minimum monthly income of Rs. 15,000 is required.

3. Work Experience: A minimum of 1 year of professional experience is mandatory.

Documents Required for ₹10 Lakhs Personal Loan

Photo Identity Proof: (Voter ID, Passport, Driving License, or Aadhaar Card

Address Proof: (Voter ID, Passport, Driving License, or Aadhaar Card)

Salary Slips from the last two months.

Primary bank statement of your salary account for the last 3 months.

Proof of at least one year of regular employment.

Interest Rates of ₹10 Lakhs Personal Loan

Types of interest rate/charges	Charges
CCOD Annual Maintenance Charges (For customers opting for a flexible funding option like PL Overdraft)	The charges include 0.25% of the reduced assigned limit or Rs. 1,000 (whichever is higher), payable at the end of the 13th month.
Collection Charge	If a cheque issued for payment is from a non-local branch, Tata Capital levies outstation collection charges on an "At Actuals" basis.
Statement of Accounts (hard copy for branch walk-in requests)	Rs. 250 + GST. You can download the statement for free from the online portal.
Loan Cancellation Charges (post disbursement)	2% of the loan amount or Rs. 5,750 (whichever is higher).
Payment Instrument Swapping Charges (eMandates/post-dated cheques from another account for EMI repayment)	Rs. 550 + GST per instance.
Duplicate Repayment Schedule	Rs. 550 + GST per instance.
Duplicate No Objection Certificate (NOC)	Rs. 550 + GST per instance.

How to Apply for a Personal Loan for ₹10 Lakhs?

Visit the Tata Capital Website and provide your mobile number and details linked with your PAN card.

Enter Loan Requirements

If pre-approved, select your desired loan amount within the approved limit.

Fill in Personal Details

Provide your personal and banking details.

Set Up E-Mandate

Authorise a one-time eMandate for EMI payments.

Opt for Insurance

Choose to opt for insurance to cover loan liabilities in case of emergencies.

Loan Disbursement

Accept the e-Agreement, verify the details, and receive the loan amount instantly.

Apply Personal Loan by Amount

FAQs on ₹10 Lakhs Personal Loan

If you want to apply for a Rs. 10 lakh personal loan from Tata Capital, you must be aged 21 to 58, with a minimum monthly wage of Rs. 15,000 and have at least one year of professional experience.

Yes, you can avail of a Rs. 10 lakh loan if you meet Tata Capital's eligibility criteria, comprising income, age, employment status and credit score. For more information, visit our website.

The monthly EMI for a 10-lakh loan depends on the loan amount, interest rate, and tenure. Use our online EMI calculator to estimate your payments.

Tata Capital requires minimal documents for a personal loan of up to Rs. 10 lakhs. These include documents such as identity proof, income proof, and employment details.

If you don’t have salary slips, alternative documents like Form 16, bank statements showing salary deposits, or the latest ITR acknowledgment can be used as proof of income.

Tata Capital provides personal loans of up to Rs. 10 lakh without requiring any collateral, giving you the freedom to secure urgent funds without pledging your assets.

To verify your financial stability, you can submit valid documents such as recent salary slips, bank statements showing salary deposits, Form 16, or the latest ITR with acknowledgement. These documents help ensure a seamless and swift approval process.

While it’s possible to apply for a personal loan with a low credit score, it may decrease your chances of approval, as your credit score reflects your creditworthiness. A higher credit score, particularly above 725, provides several advantages:

1. Faster loan approval.
2. Longer loan tenures with smaller, more manageable EMIs.
3. Access to more competitive interest rates.
4. A higher likelihood of securing a pre-approved loan.

At Tata Capital, you can procure a personal loan using your Aadhaar card and PAN card as part of the required documents. Here's what a salaried individual needs to submit:

1. Application form with a recent photograph
2. Proof of identity and residence
3. Self-attested PAN Card copy
4. Income proof
5. Bank Statements

Tata Capital’s pre-approved loan facility allows quick access to funds. Simply apply online, and once approved, the loan amount is disbursed swiftly to your account.