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What is Travel Loan?

Want to fund your vacation but falling short on funds? An EMI based loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Whether it is backpacking through the mountains or you want to globetrot to your favourite destination, Tata Capital Personal Loan for Travel is how you can make it happen. Head off on your next adventure. Our Travel Loan is simple, easy and fast. It covers all the expenses related to your travel, such as, airfares or any kind of transportation, hotel fares, tour packages, travel gear/accessories, or any type of expenses that are associated with your travel.

To avail a personal loan for travel with Tata Capital, just produce your identity proof, salary slips, address proof, income proof, employment certificate, and you're ready to apply!

Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.

Know more about our offerings

Key Features

Loan amount

₹75,000 - ₹35,00,000

Loan Tenure

12 - 72 months

Interest rate starting at

10.99%

Advantages

Quick Loan

Your holiday plans can be funded easily with Tata Capital Travel Loan. We provide quote immediately and funds are credited in your bank account within a couple of days.

Minimal Paper Work

We won’t waste your time making you run around doing extensive paper work. You can just focus on making your trip memorable.

No Collateral

Our Personal Loan for Travel comes with no extra baggage. We don’t ask for any collateral or security.

Easy Repayment

You have the flexibility and control on how you want to repay your travel loan. Choose the EMI option that best suits your needs.

Quick Loan

Your holiday plans can be funded easily with Tata Capital Travel Loan. We provide quote immediately and funds are credited in your bank account within a couple of days.

Minimal Paper Work

We won’t waste your time making you run around doing extensive paper work. You can just focus on making your trip memorable.

No Collateral

Our Personal Loan for Travel comes with no extra baggage. We don’t ask for any collateral or security.

Easy Repayment

You have the flexibility and control on how you want to repay your travel loan. Choose the EMI option that best suits your needs.

How to Check Eligibility for Travel Loan?

We want to make sure that you can start preparing for your holiday as soon as possible. Hence, taking our Travel Loan is simple and quick. For a swift approval, keep your personal details handy including your PAN number, Aadhaar Number, CIBIL score.
 

Also, you must meet the following eligibility conditions to secure a personal loan for travel with Tata Capital
 

Travel Loan eligibility for Salaried individuals

  • Age should be between 22 to 58 years

  • Minimum monthly income should be ₹ 15,000

  • Minimum of one year of work experience
     

Travel Loan eligibility for Self-Employed individuals

  • Monthly income of at least ₹ 15,000

  • Age must be between 22 to 58 years

  • Work experience of at least one year
     

Find out more about Travel Loan Eligibility and Documents for more details.

What are the Documents Required for Getting a Travel Loan?

Here are the document proofs you need to present to borrow a Travel Loan with Tata Capital –

  • Income Proof documents

  • Photo Identity Proof documents

  • Salary Slips

  • Address Proof documents

  • Employment Certificate
     

To get a detailed overview, visit the Eligibility & Documentation page.

Why should you consider availing of a travel loan?

A Travel Loan can help you finance domestic and foreign trips without breaking your deposits. In fact, borrowing a vacation loan makes perfect sense in the following situations:

  • To avoid spending a lump sum amount on a luxury vacation trip

  • Instead of liquidating your investments like FD or RD, you prefer taking a tourist loan for foreign vacations

  • You are facing a cash crunch but don't want to postpone your vacation plan with loved ones

  • You are confident about paying the loan EMIs on time, as you're earning well

What are the things you should consider before applying for a travel loan?

If you have been bitten by the travel bug, you know how travel expenses can pile up quickly on vacations. So, before you borrow a personal loan for travel, make sure it covers for the following travel-related costs expenses at affordable travel loan interest rates

  • Accommodation cost

  • Travelling costs

  • Tickets

  • Airfares

  • Insurance

  • Tour packages

  • Food expenses

  • Visa fees

  • And more!

How does the Repayment Process works?

When you take a vacation loan from Tata Capital, you don't have to fret about the repayment. We offer loan amounts of up to Rs. 35,00,000 for a tenure ranging from 12 months to 72 months.

You can choose the EMI option you find convenient and make tour loan repayments online or offline as per your preference.

What is a Travel Loan EMI Calculator?

Travel Loan EMI calculator helps you understand the EMI that you will pay towards the principal payments and interest payment over the loan tenure. You can pre-pay part of the loan any time after 6 months of availing a Travel Loan without any penalty or additional fee. Use the EMI calculator to know how much money you can pay monthly over a period of time that’s comfortable for you. With the help of our personal loan for Travel EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.

Pre-payment of a travel loan involves repaying a large instalment of your loan before the due date. The Travel Loan pre-payment calculator allows you to assess the effect of such early loan repayments on your finances including your resultant EMI, tenor etc. Calculate your Travel Loan EMIs now.

Your Ultimate Travel Checklist

Before you apply for a Travel Loan, make sure you consider the following things to help you plan the ideal getaway.

  • Choose your destination

The first step to any successful vacation is deciding on the destination. Do you and your loved ones enjoy spending time on the beach or surrounded by the mountains? Is there a specific exotic place that has always been part of your bucket list? Once you choose where you want to go, you will be able to plan your itinerary better. This will play a vital role in applying for the Travel Loan.

  • Research is your best friend

Once you have narrowed in on where you want to go, begin researching everything you can about your destination. By using online resources and talking to people who may have visited the place before, find out everything you can. This includes information about tourist spots, food, local transportation, and activities that you should not miss out on. Even the smallest details can have a huge impact on your holiday.

  • Budget everything

This is a crucial step before applying for a Travel Loan. Based on your research, you should be able to draw up a detailed budget plan including food costs. In addition to the usual costs, also set aside a nominal amount to address any contingencies. Be prepared.

  • Set up an itinerary

While it is important to be spontaneous during your vacation, it is better if you draw up a rough schedule for your overall stay. This will help you when it comes to your stay and will make sure you don’t miss out an experience of a lifetime.

  • Assess your existing funds

Consider all available funds at your disposal. This plays a crucial role in determining how much money you need to apply for through the Travel Loan.

  • Apply for the Travel Loan

With just minimal documentation and absolutely no security, you can apply for a Travel Loan in an easy and secure manner. Based on your travel loan eligibility, we will instantly release the funds, so you can jet off on your ideal getaway. 

PLANNING TO TAKE A PERSONAL LOAN?

Watch this video to find out more about Tata Capital Personal Loans. Planning for a holiday abroad, your child's higher education, a home renovation or even a wedding in the family? No matter what the occasion is, Personal Loans from Tata Capital help you take care of any financial responsibilities effortlessly.

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