Personal Loan Interest Rates & Charges

Processing Fee

Up to 2.5% of the loan amount + GST

Part Pre-Payment Charges

No Part Prepayment is allowed in first 6 months

  • Only once per year and 
  • Minimum gap between two part payments to be six months. 
  • Part payment amount Up to 25% of principle outstanding
  • Part prepayment Charges 2.5% + GST (on amount over and above 25% of Principal outstanding)

Penal Interest / Additional Interest

3% on Overdue Amount per month + GST

Miscellaneous Charges

Post-Dated Cheque Charges

₹ 850 + GST

Bounce Charges

₹ 600 for every Cheque/ Payment Instrument/ ECS Dishonour + GST

Cancellation Charges

2% of loan amount or ₹ 5750, whichever is higher + GST

Instrument Swapping Charges

₹ 550 + GST

Foreclosure Charges

No Foreclosure is allowed in first 6 months.

4.5% of the principal outstanding at the time of foreclosure + GST

Foreclosure Charges for Top Up

2.50% on the future principal outstanding on existing loan + GST

(Foreclosure charges shall be levied only if new rate is lower than existing rate)

Foreclosure Charges in CCOD Cases

No Foreclosure is allowed in first 6 months.

4.5% on the Dropped down limit amount + GST

Mandate Rejection Service Charge

₹ 450 + GST

(Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.)

CCOD Annual Maintenance Charges

0.25% on Dropline Amount + GST or ₹ 1000, whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month.

Outstation Collection Charges

₹ 100 + GST

Statement of Accounts

Soft Copy – Nil

Branch walk in - ₹ 250 + GST

Duplicate Repayment Schedule

Soft Copy - NIL

Branch Walk In - ₹ 550 + GST

Duplicate NOC

₹ 550 + GST

Foreclosure Letter Charges

Soft Copy – Nil

Branch walk in - ₹ 199 + GST


  • The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.
  • Customers who have taken a loan before 15th April 2019 need to refer to the loan agreement and schedule of charges for applicable rates.
  • For the definitions of the above charges, please refer to the Master Terms & Conditions sheet.
  • Soft copies of documents mentioned in the table above will be provided free of cost. For hard copies, please refer to the above table for the applicable fees & charges.

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