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Personal Loan in Chandigarh

Chandigarh, known for its immaculate planning, is one of the fastest-growing cities in India. Naturally, it can become challenging to afford a top-tier education and meet other financial expenses without burdening your finances. But a personal loan can help you deal with them conveniently. 

 

Apply for Tata Capital’s personal loans in Chandigarh and enjoy competitive interest rates with flexible repayment tenure of up to 6 years. Our multi-purpose loans are tailored to fit all your big-ticket requirements- education, wedding, home renovation, travel, medical, and much more. 

 

You can avail of a personal loan up to Rs. 25 lakhs in Chandigarh with zero collateral. Enjoy immediate loan approval and disbursal without any delay and with minimal documentation. Fund your education, travel and medical expenses by applying for a personal loan in Chandigarh at the lowest interest rates. 

 

Finance sudden financial emergencies with a personal loan while continuing to save for your short and long-term goals. Apply for a Tata Capital personal loan in Chandigarh and take a step towards financial convenience, regardless of your requirements.

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

Hassle-free Process

Minimal documentation is required during the application process and loan is disbursed immediately upon approval, without any delay. 

Multiple Repayment Options

You can choose the tenure and interest rate to repay the loan with ease. Further, you can select the best out of three EMI options, all built for different needs. 

Quick Disbursal

Get instant personal loan in Chandigarh- once the documents have been submitted and verification is complete; the loan is approved and credited to your account within 72 hours. 

Hassle-free Process

Minimal documentation is required during the application process and loan is disbursed immediately upon approval, without any delay. 

Multiple Repayment Options

You can choose the tenure and interest rate to repay the loan with ease. Further, you can select the best out of three EMI options, all built for different needs. 

Quick Disbursal

Get instant personal loan in Chandigarh- once the documents have been submitted and verification is complete; the loan is approved and credited to your account within 72 hours. 

What are the types of Personal Loan available in Chandigarh?

Personal loans can be utilized for a variety of purposes which are mentioned below.

  • Education: Nothing is more important than getting a quality education and Tata Capital’s personal loans will help you do just that.

  • Wedding: Bring the wedding of your dreams to life with Tata Capital personal loan.

  • Home Renovation: Revamp your humble abode into the style of your choice with a personal loan.

  • Travel: Travel far and wide and quench your wanderlust with personal loans for travel.

  • Medical: Don’t let medical emergencies leave a dent on your savings. Get a quick loan for all your health-related needs.  

What are the Interest Rates for Personal Loan in Chandigarh?

The personal loan interest rate in Chandigarh starts at the low rate of just 10.99%. Further, the interest rate also depends on your income, credit score, debt history, etc. 

What are the Eligibility Criteria for Personal Loan in Chandigarh?

The eligibility criteria 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

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

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

 The following documents are required to get a personal loan in Chandigarh.

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? 

The personal loan EMI calculator on Tata Capital’s website helps you calculate EMI by entering the loan amount, interest rate and tenure in the calculator, after which it will instantly display the EMI payable every month.  

HOW TO APPLY FOR A PERSONAL LOAN IN CHANDIGARH

Other ways to Apply for a Home Loan in Chandigarh

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital Financial Services Limited, SCO 56, 2nd Floor, Madhya Marg, Sector 26, Chandigarh - 160017

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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