sign in to unlock special
offers!
You are already signed in!
Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 10.99%
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.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 13.50%
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
Apply NowWEDDING LOAN FUNDING UP TO RS. 25 LAKHS
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
Apply NowLOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Tata Capital offers Education Loans 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.
Apply NowAVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
Apply NowPERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
Apply NowHOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
Apply NowCUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
Apply NowLOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
APPLY NOWAs one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreWe have pre approved offers for you
Fill in these details to know more
verify your mobile no.
Please enter the 4 Digit OTP sent to your mobile Number.
verify your mobile no.
Generate a 4 digit OTP to verify your mobile number.
Incorrect OTP
OTP once used cannot be reused. Please resend OTP to try again.
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Wedding Loan
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Two Wheeler Loan
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Wedding Loan
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Two Wheeler Loan
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
Two Wheeler Loan
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
GENERAL INSURANCE
Click the "Allow" button to receive notification
We're constantly crafting offers and deals for you. Get them delivered straight to your device through website notifications.
All You Have To Do Is Click On "Allow".Register below to be eligible for
Exclusive offers from Tata Capital
You will not be eligible for exclusive offers from Tata Capital
We will notify you in case any special offers are available
A copy of your Voter ID / Passport / Driving License / Aadhaar Card
A copy of your Bank statements for the last six months
A copy of your Salary Slips for the last three months
A copy of your Ration Card / Electricity Bill / Passport
A certificate stating one year of continuous employment
Our interest rates that start at 10.99% are competitive amongst the other players in the industry. However, it depends on medical loan eligibility, income, whether salaried and other criteria to determine the interest rates for the medical loan offered.
When you apply for a Medical Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed EMI Payments, all information is transparently-provided for smooth processing of your Medical loan.
The following general charges are involved under personal loans –
Processing fee is a one-time fee charged by lenders at the time of processing the personal loan application. It is non-refundable even if the loan does not get sanctioned.
Penal interest is the rate of interest that will be charged on delayed monthly instalments. The borrower will now be required to pay the delayed instalment inclusive of the additional interest.
The following table shows the general charges levied by Tata Capital on our personal loans -
Upto 2.75% of the loan amount + GST
3% on Overdue amount per month + GST
The following miscellaneous charges are also involved under personal loans -
These are those charges that are levied in case of an EMI bounce. In other words, these charges are levied when you miss a personal loanEMI payment due to inadequate funds in your bank account.
Mandate rejection service charge is the charge levied on the rejection of any of the services rendered by the lender.
CCOD Annual maintenance charges are the charges levied on those who have chosen a flexible funding option such as Cash Credit or Overdraft. It is charged for the maintenance of the Overdraft
If the cheque you have issued for payment has been made to a non-local branch, lenders will levy an outstation collection charge for the collection of such cheques.
Lenders will charge a certain amount to issue your Statement of Accounts - a bank statement having a list of all transactions made from your bank account during a given period. But this amount will be charged only for a hard copy, the soft copy being free of cost.
If you wish to cancel your personal loan following the process of loan disbursement, the lender will charge a loan cancellation charge.
If you wish to exchange or swap your personal loan liability or the cash flow with a different financial instrument, you can do so after paying instrument swap charges.
Your lender will share a repayment or amortisation schedule – a table that displays how your loan evolves over time. If for some reason, you need a duplicate of this schedule, you can apply for a new one, available in both hard and soft copies. While the soft copy is free of charge, a certain fee will be charged for the hard copy.
If you need to apply for a duplicate No Objection Certificate due to any reason, your lender will issue a new one in your name after you pay a specific fee.
If you make an EMI payment using a post-dated cheque – one in which the date mentioned is subsequent to the date in which the cheque was drawn, you will be charged a fee known as post-date cheque charge.
Refer the table below to know about the different miscellaneous charges levied by Tata Capital on our personal loans.
Rs. 600 for every cheque/Payment Instrument Dishonour + GST
₹ 450 + GST
Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account
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.
Rs. 100 + GST per repayment tenure
Soft Copy – Nil.
Branch Walk-in – Rs. 250 + GST
2% of loan amount or Rs. 5,750, whichever is higher + GST
Rs. 550 + GST
Soft Copy – Nil
Branch Walk-In – Rs. 550 + GST
Rs. 550 + GST
Rs. 850 + GST
The following Foreclosure & Pre-payment/Part-payment charges are also involved under Personal loans –
(Lock-in period - 6 months from the date of the first disbursement)
Foreclosure charges are levied at the time of pre-payment of a personal loan, whether in part or in full. No foreclosure charges are levied on loans with floating interest rates.
If you wish to pre-pay, whether in part or in full, the top-up loan that you had taken over and above your existing personal loan, the lender will levy what is known as foreclosure charges for top-up. These charges will only be levied if the new interest rate is lower than the old one.
If you wish to pre-pay, whether in part or in full, your personal loan taken as Cash Credit or Overdraft, the lending authority will levy a foreclosure charge for the same.
If you fall behind on your monthly EMI payments, the lender will issue a foreclosure notice or letter notifying you of the same. The soft copy of this letter is free of cost whereas the lender will charge a certain foreclosure letter charge for a hard copy.
The table below shows the foreclosure charges levied by Tata Capital on our personal loans -
Part Prepayment is allowed once per year and the minimum gap between two part prepayments to be six months.
A maximum of 25% of the principal outstanding is allowed by way of part prepayment during a single year.
A part prepayment charges of 2.5% + applicable taxes shall be applicable on amount over and above 25% of principal outstanding
No part payment is allowed during the 6 month Lock-in period
No foreclosure allowed for the first 6 months (Lock-in period).
If foreclosed within 6 months post completing part pre-payment:
4.5% of the Principal outstanding at the time of foreclosure + GST + Part pre-payment amount
2.50% on the principal outstanding at the time of foreclosure + GST
Foreclosure charges shall be levied only if new rate is lower than existing rate.
Any prepayment /foreclosure made during the Lock-in Period will attract prepayment/foreclosure charges of 4.5% + applicable taxes on the principal outstanding
4.5% on the Dropped down limit amount + GST
Any prepayment /foreclosure made during the Lock-in Period will attract additional 2% over and above the prepayment/foreclosure charges mentioned in (a) above + applicable taxes on the Dropped down limit
4.5% on the principal outstanding at the time of foreclosure + GST
In case the Borrower forecloses the Facility within 6 months after doing part prepayment, foreclosure charges of 4.5% + Applicable taxes will be levied on the principal outstanding plus part prepayment amount.
Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over and above the prepayment/foreclosure charges mentioned in (a) above + applicable taxes on the principal outstanding at the time of foreclosure
Soft Copy – Nil
Branch Walk-In – Rs. 199 + GST
The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.
The Medical Loan interest rate depends on factors such as the loan amount, the organization you are working for, the range of your salary, and the city you are living.
The maximum amount you can borrow through a Medical Loan depends on your eligibility. However, you can take up to ₹ 25 lakhs.
You can take up to 72 months to repay a Medical Loan.
You should never have to compromise when it comes to your education. Whether it is for your higher studies or your loved ones, you can use the Personal Loan to finance your goals and ambitions. Apply for an Education Loan in India or Abroad with quick approval, relaxed eligibility criteria and documentation.
Know MoreYour wedding should be among the best days of your life. Don’t think twice before planning the wedding of your dreams, and we will help you make it a reality. Get a Tata Capital Wedding Loan and fund your dream wedding without draining your savings.
Know MoreWe know that a medical emergency can be daunting. With our Personal Loan, you will never have to worry about the medical needs of yourself or your loved ones. Apply for a Medical Loan with Tata Capital for funding your medical emergency expenses or clearning medical dues.
Know MoreFantasizing about jetting off to an exotic locale? You can now make it happen. Our process is simple, and we let you customise the repayment option according to your convenience. Fulfill all your travelling needs with Tata Capital Travel Loan.
Know MoreThinking to repair or renovate your home? Upgrade your house with a new look & redesign your dream home with Tata Capital Home Renovation loan.
Know MoreWHY CHOOSE US