Personal Loan of ₹65,000

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Get Instant ₹65,000 Loan

Do you need funds for emergencies such as paying medical bills, repairing your car, or replacing a key home appliance? You can apply for a Rs 65000 personal loan from Tata Capital. With an easy application process, quick disbursal of funds, and an overdraft facility, a Rs 65k personal loan by Tata Capital is ideal for meeting urgent expenses without any hassle.

Features and Benefits of Personal Loan ₹65,000

No Collateral

Rs 65000 personal loan is unsecured and does not require you to put up any collateral or security, making the process more convenient and accessible.

Overdraft Facility

If you require extra funds, the personal loan overdraft facility allows you to borrow up to an agreed-upon limit. Interest is charged only on the amount utilized.

Attractive Interest Rates

We offer a 65000 personal loan at competitive interest rates, making loan repayment cost-effective and affordable.

Digital Application

Tata Capital's 65000 personal loan process is entirely digital to save your precious time. Further, you can also pay your loan EMIs online at your convenience.

Minimal Paperwork

You can effortlessly apply for Tata Capital's personal loan with only the required documents, including KYC documents, income proof, address proof, and employment certificate.

Personal Loan EMI Calculator for ₹65,000

Use Tata Capital's personal loan EMI calculator to calculate your monthly EMIs in advance by entering your loan amount, interest rate, and loan duration.

Loan amount

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₹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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Eligibility Criteria for Rs 65000 Personal Loan

To obtain a Rs 65k personal loan, you must fulfil the eligibility criteria given here:

1. Age: You must be at least 21 years of age to apply for a personal loan.

2. Monthly Income: You require a minimum monthly income of Rs 15000.

3. Work Experience: You must have a minimum work experience of one year.

4. Credit Score: A good credit score (above 750) improves your chances of securing a quick personal loan.

Documents Required for ₹65,000 Personal Loan

Photo identity proof: A copy of your voter ID, passport, driving license, or Aadhar card.

Address Proof: A copy of your voter ID, passport, driving license or Aadhar card.

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

Bank Statement: Bank statement of your salary account for the last three months from application.

Employment Certificate: A certificate confirming your one-year continuous employment.

Interest Rates of ₹65000 Personal Loan

Category	Charges on Rs. 65,000 loan
Processing Fees	Up to 4% of loan amount+GST
CCOD Annual Maintenance Charges (For customers opting for flexible funding option such as PL Overdraft)	0.25% of reduced assigned limit or Rs 1000 whichever is higher at the end of 13th month
Collection Charge (For payment through cheque made out to a non-local branch)	Outstation collection charge ‘At Actuals’
Statement of Accounts (For hard copy in case of branch walk-in)	Rs 250+GST
Loan Cancellation Charges (After disbursal)	2% of the total loan amount or Rs 5750 whichever is higher
Payment Instrument Swapping Charges (For swapping eMandate or post-dated cheques from another account)	Rs 550+GST per instance
Duplicate Repayment Schedule Charge	Rs 550+GST per instance
Duplicate NOC	Rs 550+GST per instance

How to Apply for a Personal Loan of ₹65000?

Visit the Tata Capital website, click on ‘Apply Now’ and enter your name and mobile number.

Input your loan requirement.

Enter your personal and banking details.

Approve a one-time e-mandate authorization for EMI payment.

Accept the E-agreement and verify your loan details.

Apply Personal Loan by Amount

FAQs on ₹65,000 Personal Loan

To repay Rs 65000 of a personal loan, you can choose a higher EMI with a lower interest rate or a lower EMI with a higher interest rate. With Tata Capital's standard EMI plan, you pay a fixed EMI monthly to repay the principal and interest on the fixed loan tenure.

To be eligible for a personal loan with Tata Capital, you require proof of income (copies of salary slips for the last two months).

The monthly payment on a Rs 65k personal loan depends upon the choice of loan tenure and interest rate at the time of loan application. Use Tata Capital's online EMI calculator to determine your monthly EMIs.

You can apply for Tata Capital's loan with an overdraft facility if you need an additional amount. These personal loans come with a high predetermined credit limit. The overdraft facility allows you to withdraw and repay multiple times within the predetermined credit limit.

The processing time for Tata Capital's personal loan is usually 72 hours after applying along with the necessary documents. However, this time can vary based on your application and the verification process.

You should be between 21 and 58 years of age to be eligible for a personal loan.

The monthly EMI on a Rs 65k personal loan depends upon the choice of loan tenure and interest rate at the time of loan application. Use Tata Capital's online EMI calculator to determine your monthly EMIs.

A high credit score (typically above 750) is beneficial when applying for a personal loan to secure fast approval and lower interest rates.

Tata Capital assesses your repayment capability before approval. You can initiate a personal loan application with Tata Capital with a bad credit score. However, factors like existing debt, debt-to-income ratio, assets and liabilities, and credit score determine your loan amount and eligibility.