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Personal Loan in Hyderabad

Adorned with delicious Biryani joints, pearls of Charminar, and the majestic Golconda fort, Hyderabad is a fast-growing city. But affording unforeseen medical emergencies or upgrading your lifestyle in a bustling metropolis like Hyderabad can pinch your pocket. 

 

With a personal loan, you can conveniently finance any big-ticket expenses- children's education, medical emergency, home renovation, family holiday, weddings and much more. Tata Capital brings to you multi-purpose personal loans in Hyderabad with minimal documentation and an easy eligibility criterion.

 

This means that from application to disbursal, the entire loan process is quick and hassle-free. Our support staff are available 24x7 to help you during the process and clear any doubts you may have. Moreover, our repayment process is as convenient as the application process. From the loan amount to the repayment tenure, you get to enjoy full flexibility for the repayment terms.

 

You can avail of a loan amount in Hyderabad ranging from Rs. 75,000 up to Rs. 35 lakhs and a repayment tenure ranging from 12 months up to 6 years. Don't let sudden financial emergencies throw you off your financial goals. Get Tata Capital's personal loan in Hyderabad and avoid exhausting your savings.

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 Eligibility Criteria

Tata Capital makes it a piece of cake for you to plan your dream wedding or ensure the best education for your kid in Hyderabad. Enjoy uncomplicated and flexible Personal Loans eligibility criteria based on your age and occupation.

Limited Documentation

We only ask for minimal documentation and don’t make you run around, so you get money in your bank as quickly as possible.

Advantageous Repayment Terms

Enjoy maximum loan tenure of 6 years for comfortable repayment. You can also benefit from our ‘Step Up Flexi EMI plan’ for flexible EMI payments. Decide your EMI amount and EMI period based on your disposable income. 

Quick Loan Disbursal

Our representatives and support staff are available 24x7 to clear your doubts. Get your loan sanctioned in a less than a week with our devoted Credit Managers working round-the-clock.

Easy Eligibility Criteria

Tata Capital makes it a piece of cake for you to plan your dream wedding or ensure the best education for your kid in Hyderabad. Enjoy uncomplicated and flexible Personal Loans eligibility criteria based on your age and occupation.

Limited Documentation

We only ask for minimal documentation and don’t make you run around, so you get money in your bank as quickly as possible.

Advantageous Repayment Terms

Enjoy maximum loan tenure of 6 years for comfortable repayment. You can also benefit from our ‘Step Up Flexi EMI plan’ for flexible EMI payments. Decide your EMI amount and EMI period based on your disposable income. 

Quick Loan Disbursal

Our representatives and support staff are available 24x7 to clear your doubts. Get your loan sanctioned in a less than a week with our devoted Credit Managers working round-the-clock.

What are the Interest Rates for Personal Loan in Hyderabad?

Personal loan interest rates in Hyderabad start at 10.99%.

What is the Eligibility Criteria for Personal Loan in Hyderabad?

  • You must be between 22 and 58 years of age

  • A credit score report of at least more than 750

  • Salaried employees must draw a minimum salary of Rs. 15,000 with a work experience of at least one year

  • Self-employed professionals must possess at least one year of work experience in their current field of expertise

 

Check your personal loan eligibility and verify all the criteria mentioned above in detail before applying for a personal loan in Hyderabad.

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

  • Identification Proof: Voter ID, valid passport, birth certificate, PAN card, Aadhaar Card, driving license

  • Income/Salary Proof: Last six months’ bank account statement for salaried professionals and previous three-month salary slips for self-employed professionals

  • Employment Proof: An employment certification declaring one year of uninterrupted employment for the salaried individual

  • Residence Address Proof: Ration card, electricity bill, utility bill, passport, voter ID card

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

How to Calculate EMI for Personal Loan Online?

Calculate your EMI for loans effortlessly with our online Personal Loan EMI Calculator. Merely provide your loan amount, rate of interest, and loan tenure. Our tool will calculate and inform you of the EMI, and payable interest amounts instantly. 

HOW TO APPLY FOR A PERSONAL LOAN IN HYDERABAD

Other Ways to Apply for a Personal Loan in Hyderabad

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital Financial Services Limited, Plot # 3, 4, 5, 6, Road # 3, Auto Plaza, Banjara Hills, Hyderabad 500034 

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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