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Personal Loan in Pune

Known as Oxford of India, Pune is a hub of educational institutions, economic activities, and scenic locations. But, funding your dream getaway or a perfect wedding in Pune can be a financially burdensome proposition. With a personal loan, financing all your big-ticket requirements becomes hassle-free.

 

Whether you're planning a grand event or a family holiday, Tata Capital's personal loan in Pune is designed specifically to meet your diverse requirements. Our multi-purpose personal loans have attractive interest rates and flexible loan tenure of up to 6 years. 

 

Avoid turning to your savings for big planned or unplanned expenses and manage your finances smartly with a personal loan in Pune. You can apply for a personal loan online or offline with minimal documentation and zero collateral.

 

Tata Capital's personal loan in Pune ranges from Rs. 75,000 up to Rs. 35 lakhs. You can also pre-pay a portion of your loan amount at zero extra charges. Whether you're looking to fund a planned event or deal with an unexpected crisis, worry not and get a personal loan in Pune with Tata Capital to avoid exhausting your savings.

Know more about our offering

Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

1-6 years

Interest rate starting at

10.99%

Advantages

Attractive Loan Interest Rates

Personal Loan interest rates in Pune have never been better. Apply for a loan with Tata Capital today, and experience our competitive interest rates - starting at just 10.99%. 

Multi-Purpose Loans

Tata Capital understands that no two customers can have the same requirements and dreams. That's why we bring you personal loans to cater to different needs in PuneGet in touch to find the perfect loan for your needs, be it travel, wedding, health crisis, higher education, home renovation, or a big purchase.

Flexible Payments and Pre-Payments

Whether it is pre-payment, part payment, EMI payment, or any other loan financing need - Tata Capital has you covered. Applying for a Personal Loan in Pune has never been more flexible and tailor-made. 

Handsome Loan Amounts

Tata Capital offers reasonable interest rates on Personal Loans for amounts as high as 25 lakhs starting from Rs 75,000. Connect today to know more about our loan offerings.

Attractive Loan Interest Rates

Personal Loan interest rates in Pune have never been better. Apply for a loan with Tata Capital today, and experience our competitive interest rates - starting at just 10.99%. 

Multi-Purpose Loans

Tata Capital understands that no two customers can have the same requirements and dreams. That's why we bring you personal loans to cater to different needs in PuneGet in touch to find the perfect loan for your needs, be it travel, wedding, health crisis, higher education, home renovation, or a big purchase.

Flexible Payments and Pre-Payments

Whether it is pre-payment, part payment, EMI payment, or any other loan financing need - Tata Capital has you covered. Applying for a Personal Loan in Pune has never been more flexible and tailor-made. 

Handsome Loan Amounts

Tata Capital offers reasonable interest rates on Personal Loans for amounts as high as 25 lakhs starting from Rs 75,000. Connect today to know more about our loan offerings.

What are the Interest Rates for Personal Loans in Pune?

Tata Capital offers attractive personal loan interest rates in Pune. Starting at just 10.99%, you can apply for a loan online or offline, and take care of your financial needs today. 

What is the Eligibility Criteria for a Personal Loan in Pune?

Use our eligibility calculator to find out your eligibility instantly! These criteria revolve around factors like whether you are salaried or self-employed, and your CIBIL score (typically above 750+).

  • Applicant’s age: 22 - 58 years

  • Salaried applicant’s minimum salary: Rs. 15,000

  • Salaried applicant’s minimum work experience: 1 year

  • Self-employed applicant’s minimum work experience in the current field: 1 year

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

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

Applying for a loan with Tata Capital is a fast and straightforward process. It requires just a few Peronal Loan Documents -

  • Address proof

  • Income statements

  • Identity proof

  • Salary slips

How to Calculate EMI for Personal Loan Online

You can use our Personal Loan EMI Calculator to determine the EMI you will be required to pay monthly. Tata Capital offers various flexible EMI options for personal loans to fulfil all your needs. Apply today, and take care of that unplanned financial need hovering over your head. 

HOW TO APPLY FOR A PERSONAL LOAN IN PUNE

Other Ways to Apply for a Personal Loan in Pune

  • Address:Tata Capital Financial Services Ltd., 9th Floor, Iriz Tower, Baner Pashan Link Road, Baner, Pune 411045 
  • Contact Number: 18602676060
  • Email – contactus@tatacapital.com

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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