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Personal Loan in Bangalore

 The Silicon Valley of India, the city of Bangalore, offers a modern lifestyle. With expenses burgeoning for the city’s residents, sudden cash crunches can mean breaking the bank. But you can deal with them conveniently with the help of a personal loan.

 

From medical emergencies to big purchases, Tata Capital's personal loan in Bangalore helps you finance urgent requirements without pledging collateral. Tata Capital's personal loan offers a variety of loan solutions up to Rs. 35 lakhs with quick sanctions, flexible repayment options, attractive interest rates, and minimal documentation.

 

With Tata Capital's personal loan in Bangalore, you can also pre-pay a portion of your loan amount at no extra charges. So, whether you're eyeing a newly launched gadget or looking to finance the medical treatment of a loved one, our multi-purpose personal loans are guaranteed to meet your unique requirements. 

 

Apply for a personal loan in Bangalore with Tata Capital to finance your goals and meet your capital requirements without burdening your finances. Enjoy a single solution for all your financial requirements at competitive interest rates and a quick disbursal process.

Know more about our offering

Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

Up to 6 years

Interest rate starting at

10.99%

Advantages

Quick Sanctions

 Medical emergencies, sudden foreign trips or big purchases can cause unexpected financial requirements. Apply for a personal loan online with Tata Capital, and get them processed, sanctioned, and funds disbursed quickly.

A Variety of Loan Solutions

Get customised financing solutions in Bangalore –personal loan for a wedding, educational loan, medical loans, travel loans, and home renovation loans. Find the best financing solutions at reasonable personal loan rates in Bangalore. 

Easy Repayment and Pre-Payment Options

Get accommodating repayment and pre-payment benefits with us. Pick your loan tenure, loan amount, EMI period, and EMI amount as per convenience. You can also pre-pay a loan portion at zero charges. 

No Collateral/Assurance Required

Cover your immediate expenses without pledging any security. Avail personal loans up to Rs. 25 lakhs instantly, without using any property or other assets as collateral. 

Quick Sanctions

 Medical emergencies, sudden foreign trips or big purchases can cause unexpected financial requirements. Apply for a personal loan online with Tata Capital, and get them processed, sanctioned, and funds disbursed quickly.

A Variety of Loan Solutions

Get customised financing solutions in Bangalore –personal loan for a wedding, educational loan, medical loans, travel loans, and home renovation loans. Find the best financing solutions at reasonable personal loan rates in Bangalore. 

Easy Repayment and Pre-Payment Options

Get accommodating repayment and pre-payment benefits with us. Pick your loan tenure, loan amount, EMI period, and EMI amount as per convenience. You can also pre-pay a loan portion at zero charges. 

No Collateral/Assurance Required

Cover your immediate expenses without pledging any security. Avail personal loans up to Rs. 25 lakhs instantly, without using any property or other assets as collateral. 

What are the Interest Rates on Personal Loans in Bangalore?  

Find the most attractive personal loan interest rates at Tata Capital. Our interest rates start at 10.99%.

What is the Eligibility Criteria for a Personal Loan in Bangalore?

To avail a Tata Capital Personal Loan in Bangalore, you must be -

  • Aged between 22 - 58

  • Salaried or self-employed

  • A salaried professional with a minimum of one year of working experience and a monthly salary of at least Rs. 15,000

  • A self-employed individual with a minimum of one year of working experience in the current field

  • Possessing a credit score of 750+

Check your Personal Loan Eligibility and verify all the criteria mentioned above in detail before applying for a personal loan in Bangalore.

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

Following personal loan documents are essential for getting a loan -

  • Identification Proof (Voter ID / Passport / Driving License / Aadhaar Card)

  • Address Proof (Ration Card / Electricity Bill / Passport)

  • Income proof (Bank account statement for the past six months for salaried professionals and self-employed individuals: previous three months)

  • Employment Certificate (mentioning one year of continuous employment for salaried professionals)

How to Calculate EMI for Personal Loan Online?

A Personal Loan EMI calculator can add up your EMI, including the loan interest with your principal amount, interest rate, and loan tenure. Utilise a personal loan calculator also to manage your monthly budgets.

Try our Personal Loan EMI Calculator to calculate your personal loan EMI easily.

HOW TO APPLY FOR A PERSONAL LOAN IN BANGALORE

Other Ways to Apply for a Personal Loan in Bangalore

  •  Address -Tata Capital Financial Services Limited, 82/1, Krishna Towers, Opp. Tata Motors Office, Richmond Road, Bangalore - 560025
  • Contact Number: 18602676060
  • Email – contactus@tatacapital.com

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. 

WHY CHOOSE US

CUSTOMIZED PRODUCTS

MINIMUM DOCUMENTATION

EASY APPLICATION PROCESS

STRONG AFTER SALES SERVICE