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Get a Personal Loan for ₹8 Lakhs Instantly

Do you need funds for a wedding, medical expenses, higher education, or even a home renovation? Avail an instant personal loan of up to Rs. 8 lakhs from Tata Capital and achieve your financial goals without stress. With Tata Capital, you gain access to a straightforward application process, competitive interest rates, and quick disbursal to cater to your urgent needs. Whether you are planning a dream wedding, covering unforeseen medical costs, upgrading your education, or renovating your home, our loans are tailored to provide financial reliability and flexibility.

EMI Calculator for 8 Lakh Personal Loan

Use Tata Capital’s personal loan EMI calculator online to calculate your monthly 8 lakh personal loan EMIs in advance. Simply enter the loan amount, interest rate, and the loan tenure.

Loan amount

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Loan duration

12 Months 72 Months

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

How to Use an EMI Calculator for a Rs. 8 Lakh Personal Loan

You can easily calculate the EMI on an 8 lakh personal loan using Tata Capital's free online EMI calculator. All you need to do is follow these steps:

  • Enter the Loan Amount: Type in Rs. 8 lakh as your principal amount.

  • Add the Interest Rate: Enter the rate your lender is offering.

  • Choose the Loan Tenure: Select how long you want to take to repay the loan.

  • Click 'Calculate': The tool will instantly show your monthly EMI, total interest, and the overall amount you'll repay.

Features and Benefits of Personal Loans for ₹8 Lakhs

  • Flexible EMI Options

    We offer flexible EMI options with repayment tenures of up to 6 years,, allowing you to choose a plan that best suits your financial situation.

  • Paperless Process

    We provide a fully online, paperless process to apply for an 8 lakh loan, allowing you to complete your application quickly and easily from the comfort of your home.

  • Attractive Interest Rates

    We offer personal loans of up to ₹8 lakh at competitive interest rates, ensuring affordability and ease of repayment. Our goal is to make financing accessible and stress-free for you.

  • No collateral/security

    Obtain a personal loan effortlessly using just the required documents (including income proofs, KYC documents and proof of employment), eliminating the need for lengthy paperwork.

  • No Collateral Needed

    Personal loans of Rs. 5 Lakh are unsecured, providing a stress-free and easily accessible borrowing solution.

Interest Rates of ₹8 Lakhs Personal Loan

Dishonour of any check/payment instruments Rs 600 per instrument per instance
Collection charge At Actuals
Processing Fee Up to 3.5% of the amount + GST
Statement of Accounts Charges

Customer Portal – Nil 

Branch Walk-in – Rs 250/-

Stamp Duty Charges At Actuals
Cooling off/look-up period (Borrower shall not be charged any penalty on prepayment of loan) 3 days from the date of loan disbursal
Hybrid Term Loan annual maintenance charges Hybrid Term Loan Annual Maintenance Charges are fees for maintaining a Personal Loan Overdraft. Tata Capital charges 0.25% of the reduced limit or Rs. 1,000, whichever is higher, after 13 months
Part Payment Charges

a) No part prepayment charges shall be applicable on payment of up to 25% of disbursed loan amount during the entire loan tenure.

b) Within 12 months of the first disbursement- 6.5% of the part prepayment amount

c) After 12 months of the first disbursement- 4.5% of the part prepayment amount

d) For part prepayment on Dropline Facility (Hybrid Term Loan), part prepayment charges as mentioned in (b) and (c) above will be applicable only if the facility amount is reduced

Foreclosure charges on Term Loan Facility


a) Within 12 months of the date of first disbursement- 6.5% of the principal outstanding at the time of foreclosure

b) After 12 months of the date of first disbursement- 4.5% of the principal outstanding at the time of foreclosure

Foreclosure charges in Hybrid Term Loan cases

a) Within 12 months of the date of first disbursement- 6.5% of the dropped down facility amount at the time of foreclosure 

b) After 12 months of the date of first disbursement- 4.5% of the dropped down facility amount at the time of foreclosure

₹8 Lakhs Personal Loan EMI for Different Tenures

Your EMI for an 8 lakh personal loan changes based on how long you choose to repay the loan. For example, here's how the EMI varies across different repayment periods for a Rs. 8 lakh loan at 10.99% interest:
 

₹8,00,000 10.99% 1 year ₹70,701
₹8,00,000 10.99% 2 years ₹37,282
₹8,00,000 10.99% 3 years ₹26,187
₹8,00,000 10.99% 4 years ₹20,672
₹8,00,000 10.99% 5 years ₹17,389

Eligibility Criteria for ₹8 Lakhs Personal Loan

To qualify for a personal loan of upto Rs 8 lakh from Tata Capital, salaried professionals  must fulfil the following eligibility criteria. 

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

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

3. Work Experience: Applicants must have at least one year of professional experience.

Documents Required for ₹8 Lakh Personal Loan

  • Photo Identity Proof: A copy of your Voter ID, Passport, Driving License, or Aadhaar Card.

  • Address Proof: A copy of your Voter ID, Passport, Driving License, or Aadhaar Card.

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

  • Bank Statement: Primary bank statement of your salary account for the last three months.

  •  Employment Certificate: A certificate stating one year of regular employment.

    How to Apply for a Personal Loan for ₹8 Lakhs?

  • 1

    Go to the Tata Capital website and enter details

    Provide your mobile number and name linked with your PAN card.

  • 2

    Input Loan Requirements

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

  • 3

    Provide Personal Details

    Fill in your personal and banking details.

  • 4

    Set Up E-Mandate

     Authorise a one-time eMandate for EMI payments.

  • 5

    Add Insurance

    Opt for insurance to cover loan liabilities during emergencies.

  • 6

    Loan Disbursement

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

Why Choose Tata Capital for Your ₹8 Lakhs Personal Loan?

Tata Capital offers affordable and quick personal loans that you can use for a variety of purposes. Choose from flexible EMI plans with tenures of up to 6 years to get a repayment schedule that fits your monthly budget. The entire process is paperless and fully online, allowing you to apply from the comfort of your home.

Tata Capital also offers competitive interest rates, which help keep your 8 lakh loan EMIs affordable over the long run. Since the loan is unsecured, you don't need to pledge any collateral. Whether you need money for personal expenses, education, travel, or emergencies, Tata Capital makes the process quick, convenient, and reliable.

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Last updated on: 02 Feb, 2026

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