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Need a Rs 6 lakh personal loan in a pinch? Tata Capital helps you secure an instant Rs 6 lakh personal loan without any collateral or security. Whether you need a loan for your summer trip, higher education, or a loved one’s wedding, you can quickly secure your multipurpose loan at attractive interest rates.
The loan process is simple and convenient, with easy-to-meet eligibility criteria. Use our digital application process to apply for a personal loan of 6 lakhs and enjoy a seamless loan approval.
Quickly calculate your estimated 6 lakh personal loan EMI value using Tata Capital’s Personal Loan EMI Calculator.
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| Types of interest rate/charges | Charges |
|---|---|
| Personal loan interest rate | 11.99% onwards |
| Penal charges for default in interest or principal amount payment | 3% per month on defaulted amount (Annualized Penal Charge of 36%) |
| Dishonour of any check/payment instruments | Rs. 600 for every cheque/payment instrument dishonour |
| Mandate rejection service charge | Rs. 450 + GST |
| Processing fees | Up to 4% of the loan amount + GST |
| CCOD annual maintenance charges | 0.25% of reduced assigned limit OR Rs. 1000/- |
| Collection charge | Charges will be ‘At Actuals’ |
| Statement of accounts | Rs. 250 + GST for hard copy |
| Loan cancellation charges | 2% of the loan amount/facility amount OR Rs. 5750/- |
| Payment instrument swapping charges | Rs. 550 + GST per instance |
| Duplicate repayment schedule | Rs. 550 + GST per instance |
| Duplicate NOC | Rs. 550 + GST |
| Part payment changes | 4.5% |
| Foreclosure charges on term loan facility | 4.5% on the principal outstanding at time of foreclosure AND additional 2% for prepayment/foreclosure made during Lock-in period |
| Foreclosure charges for top-up | 4.5% on the principal outstanding at time of foreclosure AND 2.5% on future principal outstanding on existing loan |
| Foreclosure charges in CCOD cases | 4.5% on the Dropped down limit amount AND additional 2% for prepayment/foreclosure made during Lock-in period |
| Foreclosure report | Rs. 199 + GST for hard copy |
The table below provides a clear ₹ 6 lakh loan EMI chart, showing how much you would pay each month at a 10.99% interest rate for various repayment periods. This ₹ 6 lakh personal loan EMI breakdown will help you compare different loan options easily and choose a plan that fits your budget.
| Loan Amount | Interest Rate (p.a.) | Tenure (Years) | EMI |
|---|---|---|---|
| Rs. 6,00,000 | 10.99% | 1 | Rs. 53,026 |
| Rs. 6,00,000 | 10.99% | 2 | Rs. 27,962 |
| Rs. 6,00,000 | 10.99% | 3 | Rs. 19,640 |
| Rs. 6,00,000 | 10.99% | 4 | Rs. 15,504 |
| Rs. 6,00,000 | 10.99% | 5 | Rs. 13,042 |
| Rs. 6,00,000 | 10.99% | 6 | Rs. 11,417 |
Personal loan eligibility can vary depending on several factors. Here are the quick, easy-to-meet eligibility criteria for salaried individuals:
Photo Identity Proof: A copy of your Aadhaar card/ Voter ID/ Passport/ Driving license
Address Proof: A copy of your Aadhaar card/ Passport/ Driving license/ Voter ID
Bank Statement: Primary Bank Statement (Salary Account) for the last 3 months.
Copy of salary slips for the last two months
A certificate stating one year of continuous employment
To finalise your interest rate, Tata Capital assesses key factors for 6 lakh loan interest, such as income, credit score, and job stability. These personal loan rate determinants influence not only approval but also how expensive your loan becomes.
Credit Score: A high credit score indicates creditworthiness, which can prompt the lender to offer you a favourable interest rate. A low score means higher interest because the lender fears a high risk.
Income Level: A Higher income means you can comfortably pay EMIs, so the lender may offer a lower interest rate.
Existing EMIs / Debt Load: If a substantial portion of your income is already committed to the repayment of other loans, the lender can charge a higher interest rate.
Job Type and Stability: Your profession and job stability matter. If you change your job frequently or work in unstable industries, it may raise your interest rate.
Documentation Quality: Clear and correct paperwork reduces risk flags for the lender, which can help you get a better interest rate.
Here are some key tips for 6 Lakh loan approval:
1. Keep documents updated: Maintaining clear and correct documentation, such as income proof and bank statements, always helps improve personal loan eligibility.
2. Improve your credit score: This is the fastest way to boost your chances to get a 6 lakh personal loan. So, always pay EMIs and credit card bills on time.
3. Lower your existing EMIs: Reduce current loan burdens so lenders feel you can handle a 6 lakh EMI comfortably.
4. Maintain stable income: A steady salary or job increases lender confidence and helps you improve personal loan eligibility.
When choosing the best 6 lakh personal loan provider, Tata Capital stands out for its blend of affordability and versatility. With interest rates starting at just 10.99%, you enjoy a highly cost-effective borrowing experience.
One of the key Tata Capital loan benefits is its multipurpose nature. You can use your ₹6 lakh loan for travel, weddings, education, or any personal need without restriction. As an unsecured loan, no collateral is required, giving you complete peace of mind. There are zero charges on part pre-payment up to 25%, and flexible repayment options to suit your cash flow.
To avail a personal loan of Rs 6 Lakhs, head over to Tata Capital’s personal loan section and click the ‘Apply now’ button. Enter your personal details and follow the simple application steps. You will be notified on whether you Rs 6 lakh personal loan has been approved.
The monthly EMI for Rs 6 lakh personal loan varies depending on various factors such as loan duration and rate of interest. You can use Tata Capital’s Personal Loan EMI calculator to input your own data and calculate your estimated EMI.
You will need to provide the requested documents to avail personal loan upto 6 lakhs. The document requirements include photo identity proof, address proof, income proof, copy of salary statements of last two months, and a certificate stating one year of continuous employment.
Yes, in case a salary slip is not available, you may provide alternate proofs of income. These can include regular invoices, proof of income from family members, and receipts of fixed deposits or rental income. These documents prove your financial stability and ability to repay the loan.
Yes, you can apply for a personal loan of Rs 6 lakh without collateral. Tata Capital offers unsecured personal loans. You do not have to pledge any assets as collateral to avail a personal loan.
There are several options you can use to get a personal loan without income proof. You may provide alternate proofs of income such as regular invoices and income proof of family members. You may apply jointly with a co-applicant, or offer collateral as security. You may also ask for a NA/NH credit report.
A credit score of 750 or above is considered excellent and attracts easy personal loan approval. A credit score 650 and 750 is also considered good. However, a score below 550 has lower chances of loan approval.
Yes, you can apply for a 6-lakh personal loan using your Aadhar Card that is linked to your PAN and bank account. Using your Aadhar Card simplifies the documentation process and cuts down on processing time.
You can apply for an instant personal loan to get a Rs 6 lakh personal loan in an emergency. The process is easy and quick. Simply click ‘Apply now’ and enter your personal details and loan requirements. Complete your eMandate authorization and accept the e-agreement.
While the minimum CIBIL score required for personal loan approval varies with lender, it is safe to say that a low score can lead to the rejection of your application. Borrowers should ensure they maintain a healthy CIBIL score.
To get a personal loan 6 lakh from Tata Capital, you need a minimum monthly salary of Rs. 15,000. A higher income, stable employment, and a good credit score improve approval chances and help you qualify for better 6 lakh loan interest rates.
Your personal loan 6 lakh interest rates will depend on your credit score, income, employer profile, and repayment history. Tata Capital offers personal loans starting at an affordable interest rate of 10.99%, but the final rate always depends on your individual eligibility.
Yes, Tata Capital allows early repayment. You can part-prepay up to 25% of your principal each year without charges. This helps reduce your overall 6 lakhs loan EMI burden and interest cost, making early repayment flexible and borrower-friendly.
6 lakh personal loan EMI for 5 years, as per the Tata Capital Personal Loan EMI calculator, at 10.99% interest is Rs. 13042. At a different interest rate, the 6 lakh loan EMI for 5 years may differ. For comparison, the 6 lakhs loan EMI for a shorter tenure, like 6 lakh loan EMI for 3 years, will be higher at Rs 19,640.
Tata Capital discloses all fees clearly, including processing charges, late payment fees, and applicable pre-payment charges. These costs are transparent, so borrowers of a personal loan 6 lakh can plan repayment confidently without worrying about unexpected or hidden deductions.
Approval and disbursement for a personal loan 6 lakh are usually quick, depending on documentation and verification.
Last updated on: 26 Dec, 2025
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