Personal loan starting
@ 11.50% p.a
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Personal loan for all your needs
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| Customer Profile | Loan Slab | Interest Rate%* |
|---|---|---|
| Salaried | Any amount | 12.99% * onwards |
Getting a low interest personal loan is preferable for reducing your interest outgo and overall costs. Availability of loans can depend on numerous factors; make sure to consider them before applying.
Up to 3.5% of the loan amount
This is a charge for late EMI payments, calculated based on the number of days your EMI remains unpaid.
At Tata Capital, For default in payment of interest and/ or principal amounts 3% per month on defaulted amount (Annualized Penal Charge of 36%)
Rs 600 per instrument per instance
Rs 450
Up to Rs 1999
0.25% of Dropline amount
OR
Rs.1000, whichever is higher, shall be payable in the month immediately following a 12 month period (e.g 13th, 25th, 37th month, etc..till the end of the loan tenure)
Customer Portal – Nil
Branch Walk-in – Rs 250
2% of the loan facility or Rs 5750 (whichever is higher)
a) No part prepayment charges shall be applicable on payment of up to 25% of disbursed loan amount during the entire loan tenure.
b) Within 12 months of the first disbursement- 6.5% of the part prepayment amount
c) After 12 months of the first disbursement- 4.5% of the part prepayment amount
d) For part prepayment on Dropline Facility (Hybrid Term Loan), part prepayment charges as mentioned in (b) and (c) above will be applicable only if the facility amount is reduced.
a) Within 12 months of the date of first disbursement- 6.5% of the dropped down facility amount at the time of foreclosure
b) After 12 months of the date of first disbursement- 4.5% of the dropped down facility amount at the time of foreclosure
At Actuals
a) Principal Outstanding of Up to 2 lac - Rs.500
b) Principal Outstanding greater than 2 lac - Rs.1000
Note: GST, other government taxes and levies as applicable, will be payable on all fees and charges.
Last updated on: 26 Nov, 2025
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