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Personal Loan in Jaipur

Long known as The Pink City, Jaipur is no longer just a cultural hub. Its cultural and social milieu is undergoing fast transformation and it now has BPOs of giants like Infosys and Deutsche Bank. But whether you're a salaried employee or a self-employed individual, certain financial emergencies can come unannounced.

 

But, instead of dipping into your savings, you can easily deal with these hefty expenses with the help of a personal loan. With Tata Capital, you can get personal loans in Jaipur quickly without any collateral. Moreover, minimal documentation ensures that loan approval and disbursal happen quickly.

 

From loan amount to the EMI and repayment tenure, Tata Capital's personal loans in Jaipur are tailor-made to fit your unique requirements. You can avail of a loan ranging from Rs. 75,000 to Rs. 35 lakhs for a flexible tenure of up to 6 years. 

 

Whether it's your children's education, a family vacation, or a sudden medical emergency, don’t let a lack of finances stop you from enjoying a royal lifestyle. Apply for a personal loan in Jaipur with Tata Capital to manage your finances with ease and live the life you’ve always wanted to.

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

No Security Required

Unlike secured personal loans, Tata Capital’s unsecured personal loans do not ask for collateral or assets. Thus, loan approval takes lesser time.

Tailor-Made Loans

With Tata Capital, the customer is the one to decide the loan amount, EMI and tenure for repayment. Avail benefits of our nonpareil personalised approach.

No Pre-Payment Charges

That’s right; you can pre-pay a part of the loan without having to shell out a penalty fee or additional charge. This can be done any time after 6 months of availing the personal loan. 

No Security Required

Unlike secured personal loans, Tata Capital’s unsecured personal loans do not ask for collateral or assets. Thus, loan approval takes lesser time.

Tailor-Made Loans

With Tata Capital, the customer is the one to decide the loan amount, EMI and tenure for repayment. Avail benefits of our nonpareil personalised approach.

No Pre-Payment Charges

That’s right; you can pre-pay a part of the loan without having to shell out a penalty fee or additional charge. This can be done any time after 6 months of availing the personal loan. 

What are the types of Personal Loan available in Jaipur?

Personal loans can be used for multiple purposes based on the user’s discretion. Some of the personal loans offered by Tata Capital are given below.

  • Personal Loan for Education

  • Personal Loan for Home Renovation

  • Personal Loan for Travel

  • Personal Loan for Medical Expenditure

  • Personal Loan for Wedding

What are the Interest Rates for Personal Loan in Jaipur?

Our interest rates are among the lowest in the industry, starting at just 10.99%. With our affordable personal loan interest rate and EMI options, you can relax and easily manage some of the bigger expenditures in life. 

What are the Eligibility Criteria for Personal Loan in Jaipur? 

Eligibility criteria are a set of basic conditions you need to meet to become eligible for a personal loan. The personal loan eligibility criteria for both, self employed and salaried individuals are:

  • 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 Jaipur? 

 Applicants need to furnish the documents given below as a part of the eligibility and documentation process.

Documents required for salaried individuals:

  • Aadhar Card/ Voter Id Card

  • Identity Proof

  • Residence Proof

  • Bank statements for the last 6 months

  • Employment Certificate

Documents required for self-employed individuals 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? 

Using our personal loan EMI calculator, you can calculate for yourself the EMI payable for a particular loan amount and tenure. To do this, simply enter the details of your into the EMI calculator and it will instantly display the EMI payable and interest amounts.

HOW TO APPLY FOR A PERSONAL LOAN IN JAIPUR

Other Ways to Apply for a Personal Loan in Jaipur

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital Financial Services Limited, Ground Floor, The Guman 1, Amrapali Circle, Vaishali Nagar, Jaipur 302021 

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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