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Personal Loan in Lucknow

Call it what you want- The City of Nawabs or The City of Tehzeeb- no one can deny the royal lineage that flows through the streets of Lucknow. However, the daunting expenses of education, home renovation and other necessities can prevent you from living life king size.

 

So how will you manage your finances when unexpected emergencies arise? Dipping into your savings is one option but it's not the smartest move. To fund sudden expenses without upsetting your financial health, it's wise to get a personal loan. Tata Capital's multi-purpose personal loan in Lucknow offers a quick and hassle-free application process with zero hidden charges.

 

With minimal documentation and a quick turnaround time, you don't have to wait for days to make a big-ticket payment. So whether you want to finance a wedding, home renovation, education, travel, or medical treatment, Tata Capital's personal loan in Lucknow is tailor-made to fulfil all your requirements.

 

Apply for Tata Capital’s customized personal loan in Lucknow online or offline and enjoy some of the lowest interest rates with flexible repayment tenure and zero collateral.

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

Simple and Easy Application

Say goodbye to hassle and confusion over paperwork with Tata Capital’s quick and easy application process. You can acquaint yourself with the process on our website or by talking to one of our representatives and apply for the loan with ease. 

No Hidden Charges

A loan application includes certain costs like processing fee, bounce charges, foreclosure charges and other miscellaneous charges. Tata Capital follows a transparent process so you know all charges beforehand, to help you make an informed decision. 

Quick Disbursal

Once the documents have been submitted and verification is complete, the loan is approved and credited to your account within a week. 

Minimal Processing Fee

We only charge a minimal processing fee for unsecured personal loans. Say goodbye to exorbitant processing charges with Tata Capital. 

Simple and Easy Application

Say goodbye to hassle and confusion over paperwork with Tata Capital’s quick and easy application process. You can acquaint yourself with the process on our website or by talking to one of our representatives and apply for the loan with ease. 

No Hidden Charges

A loan application includes certain costs like processing fee, bounce charges, foreclosure charges and other miscellaneous charges. Tata Capital follows a transparent process so you know all charges beforehand, to help you make an informed decision. 

Quick Disbursal

Once the documents have been submitted and verification is complete, the loan is approved and credited to your account within a week. 

Minimal Processing Fee

We only charge a minimal processing fee for unsecured personal loans. Say goodbye to exorbitant processing charges with Tata Capital. 

What are the types of Personal Loan available in Lucknow?

A multi-purpose, collateral-free personal loan, as provided by Tata Capital, can be used for a variety of purposes. You can use it to fulfill your dreams and finance the following:

  • Education

  • Wedding

  • Home Renovation

  • Travel

  • Medical Expenses 

What are the Interest Rates for Personal Loan in Lucknow?

Tata Capital offers the lowest personal loan interest rate in the industry, starting at just 10.99%. The interest rate also depends on your income, credit score, debt history, etc. 

What are the Eligibility Criteria for Personal Loan in Lucknow?

The eligibility criteria are the same for both salaried and self employed professionals. Get instant personal loan in Lucknow by fulfilling the following eligibility criteria.

  • 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

Check your Personal Loan Eligibility and verify all the criteria mentioned above in detail before applying for a personal loan in Lucknow.

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

 The following documents are required to get a personal loan in Lucknow.

Documents required for salaried individuals:

  • Aadhar Card/ Voter Id Card

  • Proof of Identity

  • Proof of Residence

  • Bank statements for the last 6 months

  • Employment Certificate

    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 personal loan EMI in advance, you can use the personal loan EMI calculator on Tata Capital’s website. Simply move the slider in the calculator tool to select your loan amount, interest rate and tenure. The EMI payable per month will be displayed immediately.  

HOW TO APPLY FOR A PERSONAL LOAN IN LUCKNOW

Other Ways to Apply for a Personal Loan in Lucknow

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch –  Tata Capital Financial Services Limited, 7th Floor, 11 MG Marg, Halwasiya Complex, Habibullah Estate, Hazratganj, Lucknow 226001

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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