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Get a customized personal loan at attractive interest rates through a hassle-free application process with minimal requirements.
When financial emergencies knock, turn to your trusted partner - Tata Capital. Our customized personal loans help you fund all big-ticket expenses in no time. Whether you want to take care of a family medical emergency, engage in a home improvement project, or apply for an educational course, everything is possible with Tata Capital’s flexible and tailored personal loan. Apply today to finance all your requirements conveniently with our attractive interest rates and easy-to-meet eligibility criteria.
Do you need a personal loan quickly to fund medical emergencies or educational requirements? No worries! We understand your time is precious, and you need quick funds before the deadline. That’s why our personal loan application process is entirely online and requires minimal paperwork. This means you don’t even need to visit a physical branch. With Tata Capital, you can easily apply for a personal loan for education online. Read on to understand how to apply for a personal loan online.
The online personal loan application is convenient and allows you to secure the required funds from the comfort of your home.
Don't know how to apply for a loan online? Don't worry. Just follow the simple steps given below to apply for Personal Loan online within minutes. Our personal loan for education how to apply process is very easy.
Here’s a quick look at the eligibility criteria and credit score requirements for a salaried individual to apply for a personal loan.
Age limit: 21 to 58 years
Income level: Must earn a minimum of Rs. 15,000 per month
Work experience: Must have at least one year of experience, with a six-month tenure in the current job
Nature of employment: Must work with a private company or a public limited company
Credit score: Having a good credit score of 750 and above is beneficial as it helps you secure a personal loan at lower interest rates and favorable loan terms.
The eligibility criteria for a self-employed individual vary.
Tata Capital offers a quick personal loan ranging between Rs. 50,000 and Rs. 35 lakhs if you fulfil the eligibility criteria. You can use the loan for educational fees, medical emergencies, or a fun international vacation.
When you apply for a loan, lenders evaluate your application form based on key criteria, often referred to as the Five Cs of Credit: Character, Capacity, Capital, Collateral, and Conditions. Through these five Cs, lenders evaluate your credit history, ability to repay, asset ownership, security, and loan purpose, along with the economic factors. This evaluation helps in determining your creditworthiness and the likelihood of loan repayment.
If your application meets the lender’s standards, you receive a loan sanction letter. This letter outlines the approved loan amount, interest rate, repayment tenure, EMI, and any applicable processing fees or charges. It also mentions the validity period of the offer and any conditions, such as submitting final documents or verifying income.
After receiving the sanction letter, you must accept the offer and complete the documentation. The lender then disburses the loan amount as per the agreed terms. It’s important to carefully review the sanction letter before signing to ensure full clarity and transparency.
To track your personal loan process, all you have to do is navigate to the official Tata Capital website. Here, you can use either of the methods given below:
Registered Mobile number: Use the mobile number you provided with your loan application to track the status of your application online.
PAN Number: Enter your PAN number shared during the loan application process.
In case of any issue, you can contact your sales representative. If the issue persists, please call us at 1860-267-6060 or e-mail us at contactus@tatacapital.com or click here to visit any of the nearest Tata Capital branches.
Here are some key things to keep in mind before you kickstart your personal loan process:
1. Analyse your Loan Requirement: Assess why you need the loan, and whether it’s the right decision for you. Compare alternative financing options like credit cards, savings, etc.
2. Check your Loan Eligibility: It's important to evaluate your loan eligibility before you kickstart the personal loan procedure. This allows you to gauge whether your loan will be approved and gives you a chance to strengthen weak areas.
3. Estimate an Affordable Loan Amount: Be sure to analyse your income streams and existing financial obligations to ascertain an EMI figure that you can comfortably honour. This will help you calculate an optimal loan amount for you.
4. Research Loan Interest Rates and Terms: Loan interest rates and terms can vary with financial institutions. Be sure to compare these to find the most cost-effective option for you.
5. Check your Prepayment Options: Lastly, before you start your loan procedure, enquire into the chosen lender’s policies regarding partial or complete foreclosure. Your ideal lender should be one that offers minimal or no prepayment fees.
Ready to get a personal loan? Apply with Tata Capital using any of the following methods:
Tata Capital offers an online personal loan application process. Follow the steps given below to submit the loan application online.
Visit our website.
Fill out your mobile number and occupation type.
Enter loan requirements.
Fill in your personal details.
Upload the required documents.
That’s it. Once your personal loan application and submitted documents are verified, the sanctioned loan amount will be disbursed into your account. The online personal loan application process streamlines the submission of essential details, documentation, and other required information.
The time to approve a personal loan application can vary depending on several factors. After submitting the loan application, lenders sanction it based on the applicant’s profile, the details provided, confirmation processes, and the loan application complexity.
With us at Tata Capital, once you submit your application and necessary documents, the approval process generally takes 72 hours. However, this period may vary depending on the totality of your application and the verification process.
By visiting Tata Capital’s website, you can track the status of your personal loan application. You can use either of the methods given below:
Mobile number: You can use the mobile number you provided with your loan application to track the status of your application online.
PAN: You provided Tata Capital with your PAN number during the loan application process. You can use this for online application tracking as well.
Contact us: You can contact your sales representative for more details. If there is any issue, please call us at 1860-267-6060 or e-mail us at contactus@tatacapital.com or click here to visit any of the nearest Tata Capital branches.
Here’s the list of documents applicants must submit as part of Tata Capital’s personal loan application process:
Application form: Duly filled personal loan application form with your recent photograph.
Identity proof: Besides the self-attested copy of your PAN Card, you must submit a copy of your Voter ID, Aadhaar Card, Passport, or Driving License.
Address proof: A copy of your electricity bill or Passport.
Income proof: A copy of your last three months’ salary payslips and bank statements if you are a salaried individual. If you are self-employed, a copy of your savings and current account statements for the past year and Income Tax Returns filed for the preceding year are needed.
Employment proof: A copy of your Employment Certificate declaring one year of continuous employment if you are a salaried individual.
Even if you have an existing loan, you can still initiate a personal loan application process with Tata Capital. But you must remember that factors like existing debt, debt-to-income ratio, assets and liabilities, and credit score can affect your eligibility and loan amount.
We assess your repayment capacity before approving loans, so ensure you can manage the additional debt before applying.
A personal loan application includes a processing fee. It covers the administrative costs associated with loan processing.
A processing fee of Up to 3.5% of the loan amount and required document charges for the personal loan application process are applicable with Tata Capital. At the time of the disbursement of the loan, the fee is deducted from the loan amount. The personal loan processing fee is a one-time, non-refundable fee regardless of whether or not your loan is approved.
If your loan application has been rejected, there might be several reasons behind it. Some common causes include a low credit score, high existing debt, insufficient documentation, failure to meet the eligibility criteria, insufficient income, or unstable employment.
In such cases, the best option would be to apply for a secured loan (in case of emergency), work on improving these factors, or ask for a lower amount and re-initiate the personal loan application process.
The online personal loan application process on the Tata Capital website is secure. Our website equips strong security measures for all personal and financial information submitted online. These measures include data encryption protocols and secure data transmission.
Also, we prioritise the confidentiality of consumer information and have implemented strict data privacy regulations to ensure that your confidential data is not shared with unauthorised third parties.
The time it takes for the personal loan funds to be disbursed to your account after approval will depend on your specific loan application. That said, at Tata Capital, we endeavour to disburse the loan amount as soon as possible after your loan application is approved by our team.
Some of the common reasons for delay in personal loan approval include incomplete documentation, inaccurate or mismatched information in the application, low credit score, etc. At times, additional checks by the lender or a high application volume can also slow down the process.
No, collateral is not required for a Tata Capital personal loan application procedure.
Last updated on: 29 Dec, 2025
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