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Personal Loan in Gurgaon

 Gurgaon is the flag-bearer of urban, metropolitan cities in India and is home to a large number of multinational companies and corporate offices. The millennium city’s glamorous lifestyle can be hard to keep up with, in addition to the mandatory costs of living. 

 

With Tata Capital's extensive range of personal loans in Gurgaon, you can keep up with your lifestyle and finance your expenses conveniently. A multi-purpose personal loan from Tata Capital will help you fund both planned and unplanned expenses- be it a home renovation, vacation, or family emergency.

 

Apply for Tata Capital’s personal loan in Gurgaon and enjoy some of the lowest interest rates with flexible repayment tenure. Additionally, you can avail of a personal loan without pledging any collateral for a flexible tenure of up to 6 years. 

 

Financing your expenses has never been easier. Get one step closer to your dreams with a Tata Capital personal loan in Gurgaon and enjoy easy repayment options, a quick disbursal process, attractive interest rates, minimal documentation, and much more. One loan for all 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

Easy Repayment

At Tata Capital, you get to select the interest rate and tenure, thus allowing for a personalised and flexible repayment option. 

Quick Disbursal

After the application and verification processes have been duly completed, the loan amount is disbursed quickly without making you run around.

No Collateral

You can avail personal loan without pledging collateral or assets, thus it is a risk-free personal loan. Loan approval also takes lesser time. 

Easy Repayment

At Tata Capital, you get to select the interest rate and tenure, thus allowing for a personalised and flexible repayment option. 

Quick Disbursal

After the application and verification processes have been duly completed, the loan amount is disbursed quickly without making you run around.

No Collateral

You can avail personal loan without pledging collateral or assets, thus it is a risk-free personal loan. Loan approval also takes lesser time. 

What are the types of Personal Loan available in Gurgaon?

 A range of personal loans are provided in Gurgaon by Tata Capital. Customers can avail loans for a variety of reasons including wedding, home renovation, education and travel. With these multi-purpose loans, you can finance a host of planned events and unplanned emergencies.  

What are the Interest Rates for Personal Loan in Gurgaon?

Tata Capital provides the lowest interest rates in the industry, starting at just 10.99%. With our affordable personal loan interest rate and EMI options, you can focus on the major milestones in your life without worrying about finances. 

What are the Eligibility Criteria for Personal Loan in Gurgaon?

Eligibility criteria are a set of basic requirements that customers need to fulfill to become eligible for taking a personal loan. You can improve your person loan eligibility like credit score by paying the EMI on time and having a good loaning history.

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

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

 Applicants need to furnish the following documents during the loan application process.

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, you can use the personal loan EMI calculator on our website and calculate the EMI payable for a particular loan amount and tenure. All you need to do is enter the details of your loan into the EMI calculator and it will instantly display the EMI payable and interest amounts.

HOW TO APPLY FOR A PERSONAL LOAN IN GURGAON

Other Ways to Apply for a Personal Loan in Gurgaon

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital, SCO 13, 2nd Floor, Sec-14, Gurgaon 122001

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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