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Personal loan for all your needs
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Business loan for all your needs
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
Known for its gorgeous beaches, beautiful backwaters, and a solid literacy rate, Kerala offers quality life to all. With the best hill stations, schools, colleges, temples, and exotic destinations, travelling and realising other dreams in God’s Own Country can quickly drain your savings.
But don't worry. With the help of a personal loan, you can fund your dream vacation or other expenses in Kerala without straining your finances. This includes planning a wedding, financing your children's education, renovating your home, paying for medical treatment, etc.
No matter what your requirements are, Tata Capital's multi-purpose personal loan in Kerala is tailored to fit your requirements. From the loan amount to repayment tenure and EMI, you have complete flexibility over the entire process. Moreover, there are zero hidden and pre-payment charges.
Our easy application process allows you to get your loan approved right from the comfort of your home. Avail of a personal loan in Kerala with Tata Capital and get your diverse financial needs taken care of.
Loan amount offered
₹40,000 - ₹35,00,000
Loan tenure
Up to 6 years
Interest rate starting @
10.99%
Before understanding how to get an instant personal loan, you must check the eligibility. Your eligibility depends on various factors, including a fixed monthly income, age, nature of employment, CIBIL score, professional experience, etc. For an instant personal loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria. You also need to share personal details including your PAN number, CIBIL score & KYC documents.
Eligibility for salaried individuals:
Age should be between 22 to 58 years
The minimum monthly income should be ₹ 15,000
Minimum of one year of work experience
The following are the documents required for getting an instant personal loan with Tata Capital:
Photo Identity Proof documents
Income Proof documents
Salary Slips
Address Proof documents and
Employment Certificate
To know the entire list of accepted documents, visit our documents page.
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.
Registered Branch –
Address 1 – Tata Capital Financial Services Limited, Jain Tower-II, Nethaji Nagar, Edappally, Ernakulam, Kerala 682024
Address 2 – Tata Capital Financial Services Limited, City Mall, Door No: 6-1002A, Ground Floor, Kannur Rd, Opposite YMCA, Kozhikode, Kerala 673001
Address 3 – Tata Capital Financial Services Limited, Trade Center, Kuruppam Rd, Thrissur, Kerala 680001
Address 4 – Tata Capital Financial Services Limited, India Tower, 2nd floor junction, Above Reliance Fresh, Edapazhanji, Thiruvananthapuram, Kerala 695014
Address 5 – Tata Capital Financial Services Limited, Cyril Tower, 1st Floor, Near Collectorate, Kottayam, Kerala 686001
Customer Care – 1860 267 6060
Email – contactus@tatacapital.com
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:
Personal loans can be taken for a variety of different purposes, such as follows –
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.
You have the option to choose what works best for you while repaying the personal loan. You can go for the fixed amount of loan and interest or can pay higher/lower EMIs in the initial months, lower/higher EMIs at the later months depending on your income. Do check our EMI options page for more details.
It is important to have a good CIBIL score. But this should not stop you from applying for a Personal Loan. Approval of Personal Loans depends on your ability to repay.
If you need a Personal Loan and have a low CIBIL score, you have the option to take a joint loan with your spouse or parent. However, approval of Personal Loans depends on your ability to repay.
Credit report provides details on your financial status and your ability to repay a Personal Loan. This helps us evaluate your financial history. A good credit report with a score of 750 will help you take a loan easily.
Your personal loan eligibility depends on your income, credit score, job stability, and work experience. These factors also decide the loan amount you can borrow from your lender. So, you should perform a personal loan eligibility check before applying. Checking your loan eligibility in advance will make your loan approval process much smoother.
The two criteria for personal loan used for determining your total loan amount are:
Debt to income ratio: This ratio is your EMI pay-out divided by your total monthly income. Your DTI ratio should be well below 50% for high personal loan eligibility.
Monthly income method: Typically, you can get a loan of up to 30 times your monthly income.
Yes, you can get your Personal Loan transferred to Tata Capital.
Once we have all your documents with us and the verification process is completed, it generally takes about 72 hours for the Personal Loan amount to be credited to your bank account.
Be investment ready in minutes by signing up with the Tata Capital Moneyfy App. We are here to make mutual fund investments simpler for you.
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