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Personal Loan in Ahmedabad

 Famous for its booming textile industry, Ahmedabad is the biggest city in the western Indian state of Gujarat. It's not only an important industrial hub but also famous for its tourist attractions. But living in a fast-paced city can quickly add up your bills.

 

Whether you are a business owner or a salaried person in Ahmedabad, sudden cash crunches and unforeseen emergencies can make it tough to afford the hefty costs of weddings, education or travel. A personal loan makes it easier to deal with such situations without dipping into your savings.

 

With Tata Capital’s low interest, flexible personal loans in Ahmedabad, you can manage planned or unplanned expenses seamlessly. This includes personal loans for weddings, home renovation, education, medical expenditure, travel, and much more.

 

You can avail of an instant personal loan in Ahmedabad without any collateral with flexible tenure of up to 6 years. Apply for a Tata Capital personal loan in Ahmedabad today and manage your finances conveniently.

Know more about our offering

Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

12 to 72 months

Interest rate starting at

10.99%

Advantages

Flexi-EMI

Using flexi interest-only EMI option, cash can be withdrawn up to a pre-approved limit. Interest has to be paid only on the amount of money used. 

Avail Tax Exemption

As per Section 24 of the Income Tax Act, you can claim interest paid on personal loan to be eligible for exemption from your taxable income. For instance, the interest paid for renovation of a self-owned house can be exempted up to Rs. 2 lakhs while for rented houses, the entire interest can be exempted.

Personalised EMI Rates

You can select the EMI payment option as per your comfort. Pay a fixed amount throughout the tenure or start with lower payments initially, and increase them as your salary increases.  

Flexi-EMI

Using flexi interest-only EMI option, cash can be withdrawn up to a pre-approved limit. Interest has to be paid only on the amount of money used. 

Avail Tax Exemption

As per Section 24 of the Income Tax Act, you can claim interest paid on personal loan to be eligible for exemption from your taxable income. For instance, the interest paid for renovation of a self-owned house can be exempted up to Rs. 2 lakhs while for rented houses, the entire interest can be exempted.

Personalised EMI Rates

You can select the EMI payment option as per your comfort. Pay a fixed amount throughout the tenure or start with lower payments initially, and increase them as your salary increases.  

What are the types of Personal Loan available in Ahmedabad?

Tata Capital offers multi-purpose, unsecured instant personal loans in Ahmedabad. These can be used to fund a host of planned or unplanned events, some of which are given below.

  • Personal Loan for Wedding

  • Personal Loan for Home Renovation

  • Personal Loan for Education

  • Personal Loan for Medical Expenditure

  • Personal loan for Travel

What are the Interest Rates for Personal Loan in Ahmedabad?

Our interest rates are among the lowest in the industry, starting at just 10.99%. With our affordable personal loan interest rate and EMI options, you can relax and easily manage some of the bigger expenditures in life. 

What are the Eligibility Criteria for Personal Loan in Ahmedabad? 

Tata capital offers personal loans that can be used for multiple purposes like home renovation or business expansion. But to become eligible for such a loan, you need to fulfill some criteria set by the provider. These are the same for both salaried and self-employed professionals and are given below.

  • Applicant must be aged between 22 to 58 years

  • The applicant must have at least one year of work experience

  • The applicant must have a minimum monthly income of Rs. 15,000

What are the Documents Required for Getting a Personal Loan in Ahmedabad? 

 Applicants need to furnish some documents to fulfill the verification and background checks conducted by the provider and to establish their legitimacy.

Documents required for salaried individuals:

  • Aadhar Card/ Voter Id Card

  • Identity Proof and Residence Proof

  • Bank statements for the last 6 months

  • Certificate of Employment

Documents required for self employed people are the same as above, with the addition of Income Documents for the last 3 months.

To check out the list of valid documents, visit our personal loan documents page. 

How to Calculate EMI for Personal Loan Online? 

To calculate EMI before finalizing the loan, you can use our personal loan EMI calculator and calculate for yourself the EMI payable for a particular loan amount and tenure. To do this, simply enter the details of your into the EMI calculator and it will instantly display the EMI payable and interest amounts.

HOW TO APPLY FOR A PERSONAL LOAN IN AHMEDABAD

Other Ways to Apply for a Personal Loan in Ahmedabad

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital Financial Services Limited, 701, Iscon Emporio, Next to Star Bazar Jodhpur Cross Road, Satellite, Ahmedabad - 380015

 

FAQ

Getting a Personal Loan is simple and quick. To get your loan approved swiftly, you will be asked to provide the following details: Your personal details including your PAN number, CIBIL score & KYC documents Copies of your pay slips, address proof and bank statements Find out more about Personal Loan Eligibility and Documents for more details.

We provide Personal Loans from a minimum of ₹ 75,000 to a maximum of ₹ 35,00,000/- depending on your eligibility.

Your Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken. You can choose your EMI amount that is comfortable for you by using the Personal Loan EMI calculator.

Enter the following information to calculate your EMI:

  • Loan Amount (The loan amount you wish to get)
  • Personal Loan Interest Rate
  • Loan Tenure (Period ranges from 12 -84 months)
  • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
  • If the Personal Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4

Personal loans can be taken for a variety of different purposes, such as follows –

  • Travel – Strike off a dream location you have been craving to visit with an easy personal loan
  • Education – Give your child the quality education they deserve with a personal loan
  • Wedding – No other event in a person’s life is more special than a wedding. Throw a wedding of a lifetime by taking the aid of a personal loan
  • Medical – Need funds for a medical emergency? Opt for a personal loan to meet your urgent needs
  • Debt Consolidation – Need to meet other costlier loan repayments? A personal loan can help you out!

No, you do not need any collateral or security for availing a personal loan with Tata Capital.

Online personal loan applications can be approved within seconds to a few minutes of submission! Offline applications, on the other hand, may take a few business days from the date of submission for approval.

Much like any other form of credit, a personal loan also affects our credit score in the long-term and is a great opportunity to build good credit worthiness. Making consistent timely EMI payments and ultimately repaying off your personal loan within its fixed tenure will improve your future credit score

Yes, you can avail tax benefits on your personal loan depending upon the purpose for which the loan was taken. The Income Tax allows tax deductions for loans taken for education, purchase or renovation of property, and business expansion. For instance, as per Section 24 of the Income Tax Act, if you have taken a personal loan for home construction or renovation, the interest paid is eligible to be claimed as exemption from your taxable income. For self-owned houses, interest up to Rs. 2 lakhs is eligible for exemption whereas for rented houses, the entire interest can be claimed as tax exemption. In case of business expansion, the interest paid will be added to the cost of acquisition which will reduce capital gains, and thereby tax liability. Moreover, Section 80 E of the Income Tax Act speaks about the tax benefits up to Rs. 1,50,000 for those who have taken an education loan for higher studies.

One of the biggest personal loan benefits is that it can help you arrange funds for any purpose. If you need money for a medical emergency or a last-minute trip, a loan can help you. Or, if your savings are locked in investments but you need cash, take a personal loan. Apply online with zero paperwork and enjoy quick disbursal. 

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