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Personal Loan Application Process

Personal Loan Application Process

Personal loans from Tata Capital can help you meet a wide variety of financial needs in no time. From taking care of a family medical emergency to finally taking your dream trip – whatever you desire, our easy personal loans can deliver! Realise the dreams and aspirations you deserve with our attractive interest rates and easy-to-meet eligibility criteria.

Got a tight schedule? No worries! We understand your time is precious. That's why our Personal Loan Application Process is entirely online and requires minimal paperwork. So, you don't have to take the hassle of physical visits. With Tata Capital, you can get a personal loan from the comfort of your home and enjoy the utmost convenience. Just follow the simple steps given below.

Begin your personal loan journey 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. 

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 60 months! Learn more about our simple personal loan eligibility criteria.

The next step requires you to enter your personal details in 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, 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.

Once we have your personal details locked in – in the next step, 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.

Verified your financials? Now, you'll see a complete overview of your loan, including the amount, tenure in months, applicable Personal Loan Interest Rate, and EMI amount.


Once finalised, simply confirm the information on your screen and your loan will be sanctioned. Simple, isn't it? 

You’re almost there. The next step in our Personal Loan Application Process is document verification. Upload a picture 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

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.

Apart from your details, you can set a start and expiry date for the mandate and you're all set.

Once you complete a one-time net banking transaction authorisation, and 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. 

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! As you can see, we follow a smooth and straightforward Personal Loan Application Process at Tata Capital to provide you with the funds you need.

Once you receive the loan approval, we only take a couple of minutes to disburse the required funds directly into your bank account. All there's left for you to do is accept our E-Agreement, verify your personal loan details as discussed, and enjoy the personal loan disbursal process within seconds!

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