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Personal Loan in Surat

Personal Loan in Surat

Surat is a fast-growing urban city in India that boasts of a flourishing textile and diamond-cutting industry. Want to expand your business or pay for your child’s education? Apply for a personal loan in Surat with Tata Capital and enjoy flexible repayment tenures, crafted for your comfort. Get one step closer to your dreams each day by applying for a personal loan in Surat at affordable interest rates. 

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

Claim Tax Exemption

The Section 24 of the Income Tax Act allows you to claim a tax exemption on the interest paid under personal loan. For instance, if you take a personal loan to renovate a self-owned house, you can claim tax exemption up to Rs. 2 lakhs and for a rented house, you can claim exemption for the entire interest paid. 

Overdraft Facility

In case you need an additional amount of money over your loaned amount, you can withdraw cash up to a pre-specified limit. Interest is paid only on the amount of money used, not on the total principal amount withdrawn. 

Easy Application Process

You can apply for instant personal loan in Surat online, made even easier by our simple eligibility criteria, minimal documentation and fast approval process. 

Claim Tax Exemption

The Section 24 of the Income Tax Act allows you to claim a tax exemption on the interest paid under personal loan. For instance, if you take a personal loan to renovate a self-owned house, you can claim tax exemption up to Rs. 2 lakhs and for a rented house, you can claim exemption for the entire interest paid. 

Overdraft Facility

In case you need an additional amount of money over your loaned amount, you can withdraw cash up to a pre-specified limit. Interest is paid only on the amount of money used, not on the total principal amount withdrawn. 

Easy Application Process

You can apply for instant personal loan in Surat online, made even easier by our simple eligibility criteria, minimal documentation and fast approval process. 

What are the types of Personal Loan available in Surat?

 Personal loans are multi-purpose loans that can be used to finance various major financial events, such as weddings, home renovation, education, travel and business expansion.

What are the Interest Rates for Personal Loan in Surat?

Tata Capital’s 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 focus on the major milestones in your life without worrying about finances. 

What are the Eligibility Criteria for Personal Loan in Surat? 

Tata capital offers personal loans that can be used for multiple purposes like home renovation or business expansion. But to become eligible for such a loan, you need to fulfill some criteria set by the provider. These are the same for both salaried and self-employed professionals and are given below.

  • 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

Visit out personal loan eligibility page to understand the above mentioned eligibility criteria in detail.

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

 Applicants need to furnish the following documents during the loan application process.

Documents required for salaried individuals:

  • Aadhar Card/ Voter Id Card

  • Identity Proof and Residence Proof

  • Bank statements for the last 6 months

  • Certificate of Employment

Documents required for self-employed professionals 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 EMI, you can use the personal loan EMI calculator on our website and calculate the EMI payable for a particular loan amount and tenure. All you need to do is enter the details of your loan into the EMI calculator and it will instantly display the EMI payable and interest amounts.

HOW TO APPLY FOR A PERSONAL LOAN IN SURAT

Other Ways to Apply for a Personal Loan in Surat

  • Customer Care – 1860 267 6060
  • Email – contactus@tatacapital.com
  • Registered Branch – Tata Capital Financial Services Limited, Office No. 310 to 312, 3rd Floor, Eco Futurz, New City Light Road, New City Light, Surat 395007

WHY CHOOSE US

CUSTOMIZED PRODUCTS
MINIMUM DOCUMENTATION
EASY APPLICATION PROCESS
STRONG AFTER SALES SERVICE