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Personal Loan in Delhi

Being India’s national capital, New Delhi can often be relatively expensive to manage your finances. The cost of living in the nation's economic hub is significantly higher than in other metro cities. Therefore, when sudden financial emergencies arise, they not only take a toll on your finances but also affect your long and short-term goals.

 

In such unforeseen situations, getting a personal loan is the best option. With Tata Capital’s personal loan, you can conveniently finance all your requirements- hefty medical bills, weddings, kids' education, home renovation, etc.

 

With attractive interest rates and flexible repayment tenures, you can realise your goals and needs in Delhi without exhausting your savings. All you need to do is check your eligibility, fill out the application form, and submit it along with the required documents. You can apply for a personal loan in Delhi online through Tata Capital's official website.

 

Say goodbye to lengthy paperwork and a time-consuming application process and get instant access to credit with Tata Capital. Apply for a loan today and enjoy attractive interest rates and high loan amounts in Delhi.

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

Easy Application Process

You can simply apply for a Personal Loan in Delhi online from the comfort of your house with minimal documentation.

Competitive Interest Rates

With Tata Capital, you can enjoy lucrative Personal Loan interest rates in Delhi. Starting at just 10.99%, our interest rates make it easier for you to avail loans in the capital city.

Flexible Payment Options

Whether you are self-employed or a salaried professional, you can make use of flexible payment options. Be it your EMI, pre-payment, foreclosure charges, or any other payment need; there is a solution tailor-made for you. 

No Collateral/Assurance Required

Cover your immediate expenses without pledging any security. Get personal loans for amounts as high as Rs. 25 lakhs instantly, without using any property or other assets as collateral.

 

Easy Application Process

You can simply apply for a Personal Loan in Delhi online from the comfort of your house with minimal documentation.

Competitive Interest Rates

With Tata Capital, you can enjoy lucrative Personal Loan interest rates in Delhi. Starting at just 10.99%, our interest rates make it easier for you to avail loans in the capital city.

Flexible Payment Options

Whether you are self-employed or a salaried professional, you can make use of flexible payment options. Be it your EMI, pre-payment, foreclosure charges, or any other payment need; there is a solution tailor-made for you. 

No Collateral/Assurance Required

Cover your immediate expenses without pledging any security. Get personal loans for amounts as high as Rs. 25 lakhs instantly, without using any property or other assets as collateral.

 

What are the Interest Rates for Personal Loan in Delhi?

Tata Capital's personal loan interest rates in Delhi start at just 10.99%. With competitive rates, quick sanctions, and multi-purpose financing solutions, Tata Capital makes it possible to manage finances without exhausting your savings in the capital of the country. 

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

If you want information about the eligibility criteria for a Tata Capital loan, check out our personal loan eligibility criteria. Go through these details and determine your eligibility today.

Tata Capital’s eligibility criteria for personal loans are listed below –

  • Applicant’s age: 22 - 58 years

  • Salaried applicant’s minimum salary and work experience: Rs. 15,000; 1 year

  • Self-employed applicant’s minimum work experience in the current field: 1 year

  • Credit score > 750

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

All applicants require some essential personal loan documents, such as -

  • Salary Slips

  • Identification proof

  • Income Statement

  • Address proof

How to Calculate EMI for Personal Loan Online?

Calculating EMI for your loan in Delhi has never been easier. Use Tata Capital's personal loan EMI calculator, and get your loan with suitable EMIs sanctioned today.

 

HOW TO APPLY FOR A PERSONAL LOAN IN DELHI

Other Ways to Apply for a Personal Loan in Delhi

  • Customer care –18602676060
  • Email – contactus@tatacapital.com
  • Registered Branch –Tata Capital Financial Services Limited, 2nd Floor, Prem Sadan, 11 Rajendra Place, New Delhi 110088

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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