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Business loans for all your needs
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
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Avail Loan Against Securities up to ₹40 crores
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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit ScoreAvail Loan Against Property up to ₹3 crores
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Loans for all your needs
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Loans for all your needs
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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
An instant way to fund your larger expenses
Tata Capital has got your back. Our Personal Overdraft Loan facility allows you to withdraw additional funds as and when you need them. What's more? You only have to pay interest on the amount you actually use. We understand certain emergencies can come unannounced. This is why our personal overdraft loan is flexible and offers multiple withdrawals and part-payment facilities at zero extra charges.
Loan amount
₹2,00,000 - ₹35,00,000
Loan Tenure
12-84 months
Interest rate starting @
13.55% p.a
In fixed hybrid, the limit would remain fixed for a certain tenure and then convert to dropline for the rest of the tenure.
For 48, 60 & 72 months tenure, PL CCOD product, limit will remain fixed for first year and dropdown starts after completion of one year.
For 84 months tenure, PL CCOD product, limit will remain fixed for first two years and dropdown starts after completion of two years.
Tata Capital offers Fixed Hybrid Personal Loan Overdraft facility –
For first disbursement: At the time of limit setting, charges (Processing Fee + 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 must pay Processing Fee + Stamp Duty + 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 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 personal loan overdraft facility from 12 months to 84 months.
Yes, the customer must pay Processing Fee, 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 midnight of the last day of the month.
The customer is communicated his interest amount on the 1st of the month via email and SMS. Statement of Account is sent along with the email.
The portal will block a withdrawal request from the customer if any outstanding amount like Processing Fee, insurance, Stamp Duty and Interest is overdue and unpaid.
The system first recovers Processing Fee, second Stamp duty and third Insurance (any charges, namely bounce charges) and later interest and principal.
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