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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
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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
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Copy of photo identity proof of both the student & parent. Can also submit a copy of Voter ID / Passport / Driving license / Aadhaar Card
Attested copies of Marks Sheets & Certificates (from 10th standard)
As issued by the admitting School / College / Institute
For the last three months & ITR of Parent/Guarantor
All essential documents issued by the admitting School / College / Institute including prospectus, breakup of fees, etc.
If there is an immovable property offered as security
Personal Loan Overdraft facility is a facility wherein the customer can withdraw and pay back multiple times within his credit sanctioned/available limit.
Tata Capital offers Fixed Hybrid OD facility -
- In fixed hybrid, the limit of the loan would remain fixed for a certain tenure and then convert to dropline for the rest of the tenure.
- For 48 months tenure PL CCOD product, limit will remain fixed for first year and dropdown starts after completion of one year.
- For 60 months tenure PL CCOD product, limit will remain fixed for first two years and dropdown starts after completion of two years.
* Login ID and password is received within 48 hours of the contract booking.
*SMS is sent on the customer’s registered mobile number with us, which contains login ID and link to YouTube training video.
*Password and Welcome letter are sent on email address registered with us at the same time.
You should be in the age group of 22- 58 years.
You should have a minimum monthly income of ₹35,000
You should be in the same job for six months.
You should have a minimum of one year work experience.
*For first disbursement-At the time of limit setting, charges (PF+ Stamp Duty+ Insurance) will be deducted from the requested loan amount and remaining amount will be transferred to the customer’s registered bank account. This is temporary reduction of limit. The customer has to pay PF+SD+ Insurance and his limit will be restored.
If the customer does not wish to utilize the disbursed amount, he/she can transfer the same back to Tata Capital using our online portal or by NEFT/RTGS.
*For further withdrawal- The customer can raise a draw down request, post paying all the charges (PF+ Stamp Duty+ Insurance) using the web portal of Tata Capital. The disbursement is made in the customer’s registered bank account on the same day or next working day depending on banking hours.
We offer tenure from 12 months to 60 months.
Yes, the customer has to pay PF, Insurance and Stamp Duty. If not paid until the first due date, it will be recovered along with first PDC/NACH.
Interest is generated on 30/31st midnight.
The customer is communicated his interest amount on the 1st of the month via mail and SMS. Statement of Account is sent along with the mail.
* NACH is hit on the 3rd of every month post activation.
*If NACH is not activated in the first month due to non-registration, the customer can pay his dues using the TCFSL online portal or dues will be collected using 1st PDC on subsequent due date.
The first instalment amount comprises of PF+ Stamp Duty+ Insurance (if unpaid) and interest which is why the first instalment is higher.
If the customer has already paid the charges (PF + Stamp Duty + Insurance) post disbursement, first instalment will only comprise of interest component.
The portal will block a withdrawal request from the customer if any outstanding amount like PF, insurance, Stamp Duty, interest is pending to be paid.
The system first recovers PF, second Stamp duty and third Insurance (any charges, namely bounce charges) and later interest and principal.
*All customer complaints/ issues should strictly be routed through the Customer Care team.
*Tata Capital Customer Care -customercare@tatacapital.com or call on our customer care number- 1860 267 6060.
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