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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
Don't keep waiting for a paycheck to realize your dreams. Whether it's an overseas education or a luxury vacation, Tata Capital's Personal Loan for Salaried Employees is just what you need.
Our customized loans extend up to Rs. 35,00,000 at highly competitive interest rates starting at just 10.99%!
And that's not all. You can apply for a personal loan for salaried online with Tata Capital at your own comfort and convenience. Enjoy flexible repayment options, easy-to-meet eligibility conditions, and a customized tenure that fits your requirements and budget with Tata Capital.
Say yes to your goals with Tata Capital's Personal Loan for Salaried Employees. Apply today and enjoy instant loan approval and quick disbursal.
You don’t need to meet extensive eligibility criteria to avail a loan from Tata Capital. Simply meet a few basic requirements, as discussed below, and avail of an instant loan for a salaried person. These eligibility requirements help us understand your repayment capacity and determine a maximum loan amount you can repay comfortably. So, we can customise a product most suited to your unique needs. With Tata Capital, get a quick salaried loan. Apply online for a loan for salaried person today!
If you want to improve your personal loan eligibility, you should add a co-applicant with a good income and credit score, make sure your personal credit score is at least 750 or above, repay your previous debts on time, and choose a longer repayment tenure.
Yes, you can either choose a fixed EMI plan wherein your EMI stays the same throughout the tenure or opt for a flexi EMI plan, wherein you pay higher/lower EMIs during the initial months and vice-versa in the latter months as per your repayment convenience.
To have your loan for salaried individuals approved, you need to meet a few simple eligibility requirements. Make you are between 22 and 58 years old, have a minimum monthly salary of Rs. 15,000, and possess at least one year of work experience.
You can improve your eligibility by adding a co-applicant, maintaining a high credit score, repaying previous debts religiously, and choosing a longer loan tenure.
If you apply for your personal loan for salaried persons online, your loan application will be approved within minutes, or even seconds from the time of submission. However, in the case of offline submissions, it may take a few business days for your loan application to be approved.
Yes! You can easily check your salaried loan affordability by using Tata Capital's online personal loan EMI calculator. Simply enter the desired loan amount, the tenure, and the interest rate, and the calculator will automatically let you know the EMI amount you need to pay each month.
You can cancel your Personal Loan even after the loan application. However, you will be charged a loan cancellation charge, equivalent to 2% of the loan amount or Rs. 5750, whichever is higher + than applicable GST.
Yes, there are two effective ways to reduce your personal loan EMIs. First, pay a higher down payment amount which will lower the loan principal, and naturally, the monthly EMIs. Second, you can choose a longer tenure; however, this will mean higher interest outgo.
Yes, a loan taken for a salaried person works similarly to other forms of credit and does not affect your future credit score. Timely EMI payments and closing your personal loan within its tenure will improve your creditworthiness for future loans.
Yes, you can make partial or complete pre-payment of your loan for salaried individuals. However, you can only prepay after the lock-in period of 6 months, and you will be charged part-payment or foreclosure charges, as applicable.
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