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Low Income Personal Loan

Low Income Personal Loan

Got a low salary? Limited or no credit history? Well, Tata Capital's Low Income Personal Loan, also known as Low Ticket Digital Loan (LTDL) can still save the day. It is a special kind of personal loan facility for salaried individuals looking for a loan amount ranging from Rs. 40,000 and going up to Rs. 1.5 lakhs.

With quick approval and quick disbursal, our Low Ticket Digital Loan (LTDL) can help you realize multipurpose financial goals without demanding you meet any hard and fast eligibility conditions or go through rigorous steps. With Low Ticket Digital Loan (LTDL), it's finally time you fulfill the financial goals you had to push to the back!

We also don't ask for hefty paperwork, only minimal document proofs to verify your credentials. The application process for Low Ticket Digital Loan (LTDL) is simple, straightforward, and only requires a few minutes of your time!

Features & benefits of Low Income Personal Loan

Quick Approvals

With Tata Capital, you don't need to run from pillar to post looking for a quick loan. Enjoy instant approval when you apply for a Low Ticket Digital Loan (LTDL). Once we have verified your document proofs, we take no more than a few minutes to approve your application. So, why settle for less?

Attractive interest rates

Now get a quick Low Ticket Digital Loan (LTDL) at attractive interest from Tata Capital. With interest rates as low as ours, why pay hefty installments? Take advantage of our competitive loan rates and meet your financial needs conveniently.

Fast Disbursals

Tired of the tedious disbursal process? We get it! That's why we don't keep you waiting one minute longer than necessary. Once approved, we only take a few minutes to disburse the requested funds directly into your bank account.  

Loan Offers Between Rs. 40,000 to Rs. 1.5 lakhs!

Wondering if you can get a high loan amount with a low income? Depending on how you satisfy our eligibility conditions, we can lend you a loan amount ranging between Rs. 40,000 to Rs. 1.5 lakh!

Minimum Documentation

When you apply for a Low Income Personal Loan with Tata Capital, you don't need to worry about heavy paperwork. We only request minimal KYC documentation for verification. All you need to do is produce a copy of the following document proofs:

Documents required for Low Income Personal Loan

  • Passport

  • Voter's Identity Card

  • Driving Licence

  • Aadhaar Card

  • PAN Card

Check out the complete list of document for personal loan

Key Points for Low Income Personal Loan

Applying for a Low Ticket Digital Loan with Tata Capital? Here are some key points to consider.


Get the Insurance Facility

When unexpected circumstances knock on your door, you can leave the financial stress to us. Avail of our insurance facility to protect yourself against personal loan liabilities when the going gets tough. The insurance will help you pay the instalments timely, so you don't default on any deadlines.

Flexible EMI Options

Concerned if the EMIs will fit your monthly budget? Well, we got you covered. With Tata Capital's immensely flexible EMI options, you can choose the one that suits your needs and align with your monthly obligations. Go for the standard EMI option to pay the instalments monthly or the Step-Up Flexi EMI facility to pay more when you can afford it. Get a complete overview of our personal loan EMI options.

Processing Fee

When you apply for Low Ticket Digital Loan (LTDL) with Tata Capital, you'll need to pay a nominal processing fee. Only pay 2% of the loan amount as the processing fee plus applicable GST charges. This is a one-time charge taken for processing your loan application.

Longer EMI Tenure

Worried your EMI payments will burn a hole in your pocket? With Tata Capital's Low Ticket Digital Loan (LTDL), no more! Get a longer tenure of anywhere between 18-36 months in line with your monthly budget and enjoy comfortable repayments!

Pre-closure Charge

Down the line, you may want to foreclose your personal loan and pay off your loan burden. That's why at Tata Capital, we only levy a minimal penalty charge on pre-closure of Low Ticket Digital Loan (LTDL). Just pay 4.5% of the outstanding loan amount at the time of foreclosure as a pre-closure fee + the applicable GST charges, and you're done!