₹4 Lakhs Personal Loan

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Get a Personal Loan for ₹4 Lakhs Instantly

When life throws unexpected challenges your way, like medical emergencies, home repairs, or important milestones like higher education or special celebrations, the need for extra funds can feel overwhelming. That is where Tata Capital comes in, offering you the financial relief you need with instant personal loans of up to Rs. 4 lakh. Taking into consideration the flexibility required in managing your finances, we at Tata Capital have varied options for loans that are designed with attractive interest rates.

Apply for ₹ 4 Lakhs Personal Loan in India

Take control of your finances and plan ahead with Tata Capital’s easy-to-use online EMI calculator. Just enter your loan amount, tenure and interest rate, to get an estimate of your monthly EMI, helping you make confident and informed financial decisions.

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 ₹4 Lakhs

Flexible EMI Options

Choose a repayment plan that works best for you, with tenures of up to 6 years, giving you the flexibility to manage your finances effectively.

Digital Online Application

Enjoy a completely paperless application process, saving you time and effort.

Attractive Interest Rates

Take advantage of competitive interest rates designed to suit your financial situation.

Simplified Documentation

Provide only the necessary documents, such as KYC, income proof, and employment verification, for quick processing.

No Need for Collateral

Tata Capital’s personal loans are unsecured, meaning you don’t need to offer any assets as security.

Eligibility Criteria for ₹4 Lakhs Personal Loan

To be eligible for a Rs. 4 lakh personal loan, salaried individuals must fulfil the following requirements:

1. Monthly Income: A minimum fixed monthly age of Rs. 15,000.

2. Age: Applicants should be between 21 and 58 years old.

3. Work Experience: At least one year of professional experience is required.

Documents Required for ₹4 Lakh Personal Loan

Photo ID : Self-attested copies of Voter ID, Passport, Driving License, or Aadhaar Card.

Address Proof: Self-attested copies of Voter ID, Passport, Driving License, or Aadhaar Card.

Salary Slips: Copies of your salary slips for the last two months.

Bank Statement: Your salary account statement for the last three months.

Employment Certificate: A certificate confirming a minimum of one year of employment.

Interest Rates of ₹4 Lakhs Personal Loan

Processing Fees	Up to 4% of the amount + GST.
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 ₹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)	₹250 + GST. You can download the statement for free from the online portal.
Loan Cancellation Charges (post disbursement)	2% of the loan amount or ₹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 ₹4 Lakhs?

Visit the Website

Go to Tata capital's website and enter your contact details and PAN card details.

Provide Personal Details

Share your personal and banking information.

Specify Loan Requirements

Select the amount within your pre-approved limit.

Set Up E-Mandate

Authorize one-time eMandate for EMI payments.

Add Insurance

Opt for insurance to safeguard your loan.

Loan Disbursement

Accept the e-Agreement, verify your details, and receive funds instantly.

Apply Personal Loan by Amount

FAQs on ₹4 Lakhs Personal Loan

To apply for a Rs. 4 lakh personal loan from Tata Capital, you need to be between 21 to 58 years old, earn a minimum monthly income of Rs. 15,000, and have at least one year of professional experience if you are a salaried individual.

You can secure an instant personal loan if you meet the eligibility requirements set by Tata Capital such as age, income, credit score, and employment status. For more information, visit our website.

Your monthly EMI for a Rs. 4 lakh loan will be dependent on various factors like the interest rate, loan amount, and loan tenure. You can use Tata Capital’s online EMI calculator to estimate your monthly EMI in advance.

Tata Capital requires minimal documentation for a personal loan of up to Rs. 4 lakh, including essential documents like your PAN or Aadhaar card, proof of employment, and bank statements.

If you do not have salary slips, you can submit alternative documents such as Form 16, bank statements showing salary deposits, or your latest Income Tax Return (ITR) acknowledgement as proof of income.

Tata Capital offers unsecured personal loans, which means you don’t need to provide any collateral or pledge assets to secure the loan.

If you don’t have income proof, you can provide alternative documents such as recent salary slips, bank statements showing salary deposits, Form 16, or the latest ITR acknowledgement to verify your financial stability.

Yes, you can apply for a personal loan with a low credit score. However, a higher credit score (725 or above) will increase your chances of approval. A higher score offers benefits such as:

1. Longer loan tenures with more manageable EMIs.

2. Faster loan approval.

3. Competitive interest rates.

4. Higher chances of securing a pre-approved loan.

You can apply for a personal loan with Aadhaar and PAN cards as part of the required documentation. As a salaried individual, you will also need to submit:

1. A filled-out application form

2. Proof of identity and residence (e.g., Driving License, Passport, Voter's ID, or Aadhaar Card)

3. A self-attested copy of your PAN Card

4. Income proof (e.g., last 2 months’ salary slips)

5. Bank statement (e.g., past 3 months’ salary credit statement)

In case of an emergency, you can apply for Tata Capital’s pre-approved loan. Fill out the online application, submit the necessary documents, and once verified, the approved amount will be quickly disbursed to your account.