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How To Apply For Personal Loan

Application Process

Online Application

Document Submission




The following are the personal loan documents required to avail a personal loan with Tata Capital –

  • Photo Identity Proof – Copy of Voter ID/Passport/Driving License/Aadhaar Card

  • Income Proof – Copy of bank statements for the last six months 

  • Salary Slips – Copy of salary slips for the past three months 

  • Address Proof – Copy of Ration Card/Electricity Bill/Passport 

  • Employment Certificate – stating one year of continuous employment 

After furnishing the above-mentioned documents, upload the scanned copy of each in the required slot during the online application process. To know more, visit our personal loan documents page


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.

Personal Loan Approval

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.

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 at our personal loan rates and charges page.

Personal Loan EMI Calculator

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.


Apply online via our website and get it approved almost instantly 


You can call and talk to one of our customer care executives on our toll-free number – 1860 267 6060


Our smart virtual assistant ‘TIA’ is at your service 24/7


You can physically visit any of our nearby branches and have a talk with our Tata Capital representatives


Watch this video to find out more about Tata Capital Personal Loans. Planning for a holiday abroad, your child's higher education, a home renovation or even a wedding in the family? No matter what the occasion is, Personal Loans from Tata Capital help you take care of any financial responsibilities effortlessly.


Yes, you can online for a personal loan with Tata Capital via our website.

Tata Capital offers the following four modes of personal loan application –

  • Online – Apply for your personal loan online through our website and get almost instant approval 

  • Phone Call – You can even talk to one of our customer care representatives by calling on our toll-free number – 1860 267 6060. You can even request for a call back 

  • Virtual Assistant – You can even apply for your personal loan using our smart virtual assistant ‘TIA’ who is available 24x7

  • Offline – You can physically visit on of our nearby braches and talk to any of our loan processing experts 

No, it is not mandatory for you to visit a Tata Capital branch. The entire loan processing can be done online.

The following are the simple steps to apply for a personal loan with Tata Capital –

  • Step 1 – Online Application – Prepare your loan application by filling in some basic details and submit it online 

  • Step 2 – Document Submission – The next step is to furnish all the documents required for loan processing 

  • Step 3 – Verification – In this step, we will verify your loan application and all your submitted documents 

  • Step 4 – Loan Approval – Once your information has been verified and no discrepancies are found, your loan will be approved and sanctioned 

  • Step 5 – Loan Disbursal – In this final step, you will receive the required loan amount in your bank account!

Find the right loan for you