Personal Loan of ₹70,000

Back

Apply Now

Get Instant ₹70,000 Loan

At the time of unexpected challenges, a reliable financial option can truly be a difference-maker. It could be an unplanned medical expense, home renovation, education fees, or even a dream vacation - a ₹70,000 personal loan from Tata Capital ensures that you do not have to compromise. Tata Capital's fast processing, minimal documentation, flexible repayment options, and competitive interest rates help you address your financial needs efficiently, quickly, and without unnecessary stress.

Features and Benefits of Personal Loan ₹70,000

Unsecured Loan

No collateral required.

Flexibility of Use

Can be used for various personal needs like weddings, travel, medical expenses, education, etc.

Quick Disbursal

Funds are credited within 24–48 hours, based on meeting eligibility criteria.

Minimal Documentation

Basic ID, address, and income proof required.

Flexible Loan Tenure

Repayment terms from 12 to 72 months, customised to your needs.

Transparent Process

No hidden charges or unclear terms.

Easy Online Application

Simple process with minimal paperwork.

Personal Loan EMI Calculator for ₹70,000

Easily calculate your monthly EMIs based on loan amount, interest rate, and tenure using Tata Capital's 70k personal loan emi calculator.

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

Apply Now

Eligibility Criteria for ₹70,000 Personal Loan

To qualify for a ₹70,000 instant personal loan online from Tata Capital, applicants must meet the following criteria:

1. Age: Must be at least 21 years old.
2. Monthly Income: Minimum monthly income should be ₹15,000. Higher income allows for a larger loan amount.
3. Employment Type: Salaried individuals have stable income, while self-employed income depends on business performance.
4. Credit Score: A good credit score (750+) improves eligibility and loan terms.

Documents Required for ₹70,000 Personal Loan

Application form with photo

Identity proof (Passport, Aadhaar, Voter ID)

Address proof

PAN card

Salary slips (last 2 months) or ITR (self-employed)

Bank statements (last 3 months)

Employment certificate (salaried) or business proof (self-employed)

Interest Rates of ₹70000 Personal Loan

Category	Charges on ₹70,000 Personal Loan
Interest Rate %	11.99%* onwards
Default in Interest or Principal payments	3% per month on the defaulted amount (Annualised penal charge of 36%)
Dishonour of Payment Disbursements or Cheques	₹600 for every cheque/payment instrument dishonour
Mandate Rejection Service Charge	₹450 + GST
Processing Fees	Up to 4% of the loan amount + GST
CCOD Annual Maintenance Charges	0.25% of the reduced assigned limit OR ₹1,000 (whichever is higher) payable at the end of the 13th month
Collection Charge	Charges will be ‘At Actuals’
Statement of Accounts	₹250 + GST for a hard copy (branch walk-in). Free if downloaded from the online portal.
Loan Cancellation Charges	2% of the facility amount/loan amount OR ₹5,750 (whichever is higher)
Payment Instrument Swapping Charges	₹550 + GST per instance (for swapping eMandate or post-dated cheques)
Duplicate Repayment Schedule	₹550 + GST per instance
Duplicate NOC	₹550 + GST

The actual interest rate may vary based on factors like your credit score, income stability, and repayment capacity. Tata Capital provides you with a personalised offer after evaluating your application.

How to Apply for a Personal Loan of ₹70000?

Provide Details

Enter your mobile number, name, and PAN-verified details.

Enter Loan Requirements

Specify the loan amount within the approved limit.

Fill Personal Details

Complete your personal and banking details and upload the required documents.

Set Up E-Mandate

Authorise EMI payments through eMandate.

Opt for Insurance (Optional)

Choose personal loan insurance to safeguard against liabilities.

Get Instant Disbursement

Accept the e-Agreement, verify details, and enjoy instant loan disbursement.

Apply Personal Loan by Amount

FAQs on ₹70,000 Personal Loan

Flexible EMIs on repayment stages will also be available from 12 months to 60 months on a ₹70,000 personal loan. You can also opt for facility like auto-debit or post-dated cheque for easy repayments.

Most lenders require proof of income as security for loan repayment. However, some may offer pre-approved loans or special schemes with minimal documentation for easier approval.

Monthly payments on ₹70k personal loan depend on your interest rate and repayment tenure. Tata Capital’s EMI calculator can provide an estimate of your monthly payments for an instant ₹70,000 loan.

Yes, you can avail a loan of ₹70,000 more than once as long as you are fulfilling the eligibility criteria and also maintaining a good repayment record. Multiple loans can be given base on the repayment capacity.

The general process timing for a 70000 personal loan is 24 to 48 hours from the time you submit all required documents. They will be fast-tracked for pre-approved customers.

Indeed. For salaried persons, there is an age limit of 21 to 58 years, while for self-employed professionals, it is 21 years to a maximum of 65 years.

EMI on a ₹70,000 personal loan depends on the interest rate and the loan tenure. You can use Tata Capital’s 70k personal loan calculator to know your monthly EMI based on your preferred repayment period and interest rate.

A score of 700 or more is often a pre-requisite to getting approved. Higher the score greater are the chances of getting better terms and conditions for the loan.

While it's easier with a good credit score, some lenders may still offer loans with flexible terms for those with low credit. It's always best to check with the lender for available options.