Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs SUPPORT
Loans For You
Loans for Business
Investment
Insurance
Apply
Quick Links for loans
Quick Links for Insurance
Offers Quick Pay
Back

Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure
Know More
Back

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required
Know More

You will now be redirected to www.tatacard.com website.

By proceeding, you are acknowledging the above & accepting the Terms and Conditions as specified here.

Proceed
Application Process
Apply Now
Overview Required Documents Application Process Rates & Charges
Calculators
EMI Options
Related Products

How to apply for a Personal Loan

When financial emergencies knock at your door, 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.

Need a personal loan for education quickly? 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 loan online. Read on to understand how to apply for a loan online.

Wondering how to apply for a Personal Loan? We've got you covered. With Tata Capital's personal loan apply online feature, you can apply for a quick loan without even stepping out of your house.

Apply Now

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.

Check Eligibility

Personal Loan - How to Apply Online

When talking about Personal Loan, how to apply is a question most borrowers face.
If you’re also confused about how to get a personal loan online, follow these simple steps.

1. Enter Details

Apply for a loan online by accessing our application form here. All you need to do is enter your personal and professional information as requested. As part of our personal loan verification process, we will verify your personal details via an OTP on your mobile number.

If you are an existing customer with Tata Capital, you only need to enter your mobile number and you're good to go! Once you have given your Aadhaar consent, you can move to the next step just as fast.

2. Input Loan Requirements

Start by entering details of the personal loan amount you require and the loan tenure you desire. This will help us gauge your loan eligibility and make a suitable offer. But if your loan application is pre-approved, all the better.

In such a case, you only need to input your personal loan requirement within the sanctioned limit, and the rest will follow smoothly.

Based on your eligibility, we can offer you a competitive loan amount of up to Rs. 35 lakhs for a tenure of up to 72 months! Learn more about our simple personal loan eligibility criteria.

3. Personal Details and References

The next step requires you to enter your personal details into the application form. We can confirm your address based on your uploaded Aadhar form (which you can upload). For the other information, simply enter information like your full name, DOB, father's name, mother's name, personal email ID, gender, marital status, employment, city, pin code, state, your home's, and office's address. We also need you to furnish details of two references, preferably your relatives.

As soon as we verify all the essential information and process your application form, it'll only take us a few minutes to begin your personal loan approval process.

4. Verify Your Financials

Once we have your personal details locked in, we will ask you to verify your financials so we can make a better loan offer. After your consent, we will redirect you to a secure portal to upload your bank statements for verification. If everything goes seamlessly, we'll approve your Personal Loan instantly! 

And if you're worried about your privacy, don't be! We take your privacy just as seriously and don't store any access information. 

5. Upload the Required Documents

You’re almost there. The next step is document verification. Upload a copy of the necessary documents, schedule a suitable date and time slot for our representative to pick up your original document copies, and that's it!

Just a couple of steps more, and the personal loan disbursal process will follow swiftly. To make the process seamless, we have compiled a list of necessary Personal Loan Documents for your perusal.

6. Verification

Once you have uploaded all the required documents, we will carry out a verification process of the documents and a background check on your personal and professional information.

7. Personal Loan Approval & Sanction

If no discrepancies are detected with your documents and credit history, your personal loan application will reach the final stage of approval. In this stage, the approved rate of interest and loan tenure will be sent to you for acknowledgement.

8. Set up your E-mandate

At Tata Capital, we always put your convenience first. That's why we allow you to set up an E-mandate by linking your bank account, so you never miss a scheduled personal loan EMI repayment.

Once you complete a one-time net banking transaction authorisation, we will debit the EMI amount directly via auto-debit mandate. As soon as your E-mandate is up and running, our representative will get in touch with you shortly.

9. Additional Facility (Optional)

It's no secret uncertainty can knock on our doors at any time. So, to safeguard against your personal loan liabilities, we recommend you opt for our personal loan insurance facility. Irrespective of your financial circumstances, the insurance will help you pay the EMIs timely and avoid penalties.

And you're done!

10. Personal Loan Interest Rates and Charges

Besides the personal loan interest rate, several other rates and charges form a part of personal loans. They can be classified as general charges, miscellaneous charges, and foreclosure charges. You can find the extensive charges on our personal loan rates and charges page.

Personal Loan Interest Rates and Charges

Besides the personal loan interest rate, several other rates and charges form a part of personal loans. They can be classified as general charges, miscellaneous charges, and foreclosure charges. You can find the extensive charges on our personal loan rates and charges page.

Personal Loan EMI Calculator

Not sure how much EMI you can afford? Our EMI calculator will help you calculate the most suitable plan for a personal loan. Apply conveniently for an amount that best fits your budget.

A personal loan EMI calculator is a simple online tool using which you can easily calculate the accurate monthly instalments that you need to pay to repay your loan amount inclusive of interest.

By simply entering the Loan Amount, the Rate of Interest, and the Loan Duration; the calculator will instantaneously display the EMI amount that you need to pay every month for your personal loan.

How to apply for a Personal Loan

Ready to get a personal loan? Apply with Tata Capital using any of the following methods:

  • Online application

    Want to know how to get a personal loan online? Use the personal loan apply online feature on our website and get it approved almost instantly

  • Call us

    You can call and talk to one of our customer care executives on our toll-free number – 1860 267 6060 about all your queries about personal loan- how to apply, eligibility, etc.

  • Meet us physically

    Our smart virtual assistant ‘TIA’ is at your service 24/7 for all your queries about personal loan. How to apply, interest rates, you ask, and she'll answer!

  • Virtual assistant

    Don't know how to apply for a Personal Loan online? You can physically visit any of our nearby branches and talk to our Tata Capital representatives for all your queries.

Related Videos

#personalloan

Know more about Personal Loans

Whether it’s a home renovation, wedding or a much-needed trip, let Tata Capital fund your dreams. Ab khud ke sapne pure karo with Tata Capital personal loans! Achieve your financial goals with ease. 

8th May 2020 0:50

How to Apply for a Personal Loan

19th August 2022 1:48

Personal Loan Eligibility calculator

26th October 2022 0:49

Your guide to Tata Capital Personal Loan

14th December 2022 5:29

Popular FAQs

Who can avail a Personal Loan?

Personal loan can be availed by those who meet the following eligibility criteria:

  • Age–must be between 22 to 58 years.
  • Monthly Income–must be at least Rs. 15,000 per month.
  • Job Stability–The applicant must be in the same job for the past six months.
  • Work Experience–The applicant must have a minimum of one year of work experience.
What are the documents required for Personal Loan?

The documents needed to avail of a personal loan depend on the purpose of your loan. For example,

  • Documents needed for education loan
  • Marriage loan documents
  • Home renovation loan documents
  • Travel loan documents, etc.
What are the documents needed for Personal Loan for self-employed?

The following are documents required for personal loan eligibility by self-employed individuals –

  • Proof of Existence of Business–Tax Registration copy/Company Registration License/Shop Establishment Proof
  • Identity Proof documents–Passport/Voter’s ID/PAN Card/Driving Licens
  • Residence Proof documents–Passport/Aadhar Card/Utility Bill/Ration Card
  • Bank Account Statements–Savings and Current account statements for the past one year
  • Income Tax Returns filed for the preceding year
How can a self-employed person get a Personal Loan?

A self-employed person can get a personal loan with Tata Capital by meeting the following eligibility criteria –

  • The applicant’s age must be between 22 to 58 years
  • The applicant must have a monthly income of at least Rs.15,000
  • The applicant must have at least one year of work experience
What is the minimum salary required for availing of a Personal Loan?

The minimum salary requirement for availing of a personal loan with Tata Capital is Rs. 15,000.

What document proofs do you need for availing of a Personal Loan?

The following are the basic personal loan documents you need for availing of a loan:

  • Photo Identity Proof–Copy of your Voter’s ID/Passport/Driving License/Aadhar Card
  • Income Proof–Copy of past six months’ bank statements
  • Address Proof–Copy of your Ration Card/Electricity Bill/Passport
  • Salary Slips–Copy of your past three months’ salary slips
  • Employment Certificate–stating one year of continuous employment
What are the documents needed for Education Loan?

Here is the education loan documents list you need to produce:

  • Photo Identity Proof–Copy of your Voter’s ID/Passport/Driving License/Aadhar Card
  • Attested copies of Marks Sheets & Certificates (from 10th standard)
  • Admission letter issued by the admitting School / College / Institute
  • Income proof
  • Last three months' salary slips & ITR of Parent/Guarantor
  • Education loan documents for studying abroad
  • Property documents (if offered as security)
  • Other supporting documents required for student loan
  • Student loan documents regarding employment details (if employed)

More Personal Loan products for you

Goverment man image

Personal Loan for government employees

If you are a government employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now
Salaried man image

Personal Loan for salaried employees

If you are a salaried employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now
doctor mobile image

Personal Loan for doctors

If you are a doctor looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now
Woman image

Personal Loan for women

If you are a women looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now

What our customers say about us

Tata Capital's systematic and professional approach is much better than private banks too.

Premprakash M Mourya

Personal Loan | 25 April, 2023

Excellent experience with Tata Capital's executive in overall guidance, communication and support.

PALLI KEERTHI UJWALAKEERTHI

Personal Loan | 15 April, 2023

My experience with Tata Capital was excellent. Quick service was given. All staff is polite and humble. I thank you Tata Capital, and wish you all the same in future.

VANITA BHASKAR SHETTY

Personal Loan | 14 April, 2023

Responding quickly, comfortable communication for explaining about the process. Excellent service Tata Capital. Thank you for best service.

KRISTU STEPHEN STEPHEN PAULRAJ

Personal Loan | 14 April, 2023

Tata Capital's overall performance is too good, apart from other sources.

Alexi Peter Almeida

Personal Loan | 13 April, 2023

Tata Capital is excellent supporter for improving our financial position.

Imam Khan V S

Personal Loan | 10 April, 2023

Amazing services. I'm really fully satisfied by your online services and immediate response. No need to visit offices to take loan/closure or any other queries. Everything gets clear with immediate and excellent response through online. Really I didn't find any glitch for improvement. Thank you very much team Tata Capital.

MANOJIT DAS

Personal Loan | 08 April, 2023

Tata Capital's service is good. Keep up the good work. Best customer service. 10 out of 10.

SHAIKH MOOSIN AHMED ABDUL MAZID

Personal Loan | 05 April, 2023

It was a nice experience with Tata Capital, I have faced lots of challenges in last 2 years. Thank you for your help and for understanding my situation. If given a chance, I will definitely recommend Tata Capital to everyone. Thank you.

PRADEEP KUMAR

Personal Loan | 04 April, 2023

Read All

Find the right Loan for you

Overdraft Loan

Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.

Avail multiple withdrawals and part-payment facilities without any extra charges.

Know More

Overdraft Loan

find-right-01 mob-find-right-01

Personal Loan for Wedding

A marriage today comes with its fair share of frills, thrills and not to mention - Bills.

An equal lifetime as partners, with highs and lows, joys and woes for better or worse, must begin with taking equal financial responsibility for your wedding too

Know More

Personal Loan for Wedding

find-right-01 mob-find-right-01

Personal Loan for Medical

In times of emergency, getting funds should be a hassle free experience. That’s how we have designed our Medical Loan - a loan that is easy, fast and convenient.

We provide flexible repayment options for all cosmetic, medical and dental procedures.

Know More

Personal Loan for Medical

find-right-01 mob-find-right-01

Personal Loan for Travel

Want to fund your vacation but falling short on funds? An EMI based loan can be an ideal way to pay for a holiday that you can’t quite cover in one go.

Tata Capital Personal Loan for Travel is how you can make it happen. Head off on your next adventure.

Know More

Personal Loan for Travel

find-right-01 mob-find-right-01

Personal Loan for Education

Tata Capital offers Education Loan to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.

With quick approval rates, minimal documentation and competitive interest rates, we are levelling the playing field with Student Loans so you can fulfil your potential.

Know More

Personal Loan for Education

find-right-01 mob-find-right-01

Personal Loan for Home Renovation

Thinking of revamping your home? A home that reflects your personality, your style and your taste. We help you do just that with our Personal Loan for Home Renovation.

From making extensive upgrades to your interiors to finally addressing your basic repair and maintenance needs, we are the answer to your home needs. You deserve a better home. We’re here to help you.

Know More

Personal Loan for Home Renovation

find-right-01 mob-find-right-01

Blogs

Personal Loan
Is It Wise to Use Credit Card to Pay for Vacation?
07 June, 2023
Personal Loan
What is Credit Repair? How Do Credit Repair Companies Work?
02 June, 2023
Personal Loan
Use of Credit Card in India: A Journey
02 June, 2023
Personal Loan
How To Increase Credit Card Limit
02 June, 2023
Quick Links
Our Subsidiaries
Our Other Websites

Important Information

Investor Information

Visit us on: www.tatacapitalmoneyfy.com

Our Private Equity Funds

Top Branches

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Policies, Codes & Other Documents

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Tata Capital Solutions & Services

offers-icon

rahul.sharma@gmail.com

Looking for offers...

loader

Uh oh, something went wrong

Please try again later.

OTP Failure

Your OTP could not be sent. Please try again.

burgan-icon