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Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 13.50%
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
Apply NowWEDDING LOAN FUNDING UP TO RS. 35 LAKHS
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
Apply NowLOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
Apply NowAVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
Apply NowThinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
Apply NowHOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
Apply NowCUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
Apply NowWith Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
APPLY NOWMutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
Insurance
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreTata Capital provides easy Microfinance Loans available at attractive interest rates. Avail a loan up to Rs. 2 lakhs through a simple process with minimal documentation. Get flexible tenures up to 36 months and repay your Microfinance loan EMI as per your convenience.
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Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Loan Against Securities
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
LOAN AGAINST SECURITIES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
Two Wheeler Loan
Mutual Fund
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Insurance
Insurance
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Pre-payment of personal loan is an option offered by Tata Capital wherein customers can repay their personal loans prior to completion of the loan’s tenure. We offer partial and total pre-payment of personal loans.
You can use the personal loan pre-payment calculator by following the steps mentioned below –
Step 1 – Use the ‘Loan Amount’ slider to set the principal loan amount.
Step 2 – Use the ‘Tenure’ slider to choose the loan tenure, either in months or ye
Step 3 – The next step is to use the ‘Rate of Interest’ slider to set the desired interest rate of your personal loan.
Step 4 – Using the next slider, choose the ‘Part Payment Amount.’
Step 5 – The next and final slider of the personal loan calculator will help you select the payment months, in months or years. The personal loan pre-closure calculator will automatically display the EMI and the Revised Tenure
Note - You can either use the ‘+’ or ‘-‘ symbols to increase or decrease the amount. Alternatively, you can even enter the amount manually in a box
Pre-payment of personal loan, both full and in part comes with several benefits, as mentioned below -
Become Debt-Free Faster – For a nominal pre-payment fee, repaying your personal loan before its due date whether in part or in full, allows you to become debt-free faster
Good Credit Score – Full Pre-payment of a personal loan will improve your credit rating in the long run. A part-prepayment will also boost your credit rating as the early repayment will allow you to pay off the outstanding principal amount in a timely manner, which will in turn show up on your credit history positively
Save on Interest Out-Go – Partial or full pre-payment of personal loan allows you to save on interest.
A part pre-payment amount of upto 25% of the principle outstanding is permitted. You will be levied part personal loan pre-payment charges as 2.5% + GST (on the amount over and above 25% of Principal outstanding).Note – You can apply for part pre-payment of your personal loan only once a year. To know more about the pre-closure charges, visit our personal loan fees and charges page
By pre-payment of a personal loan, it is meant the partial or complete advance repayment of a personal loan due to availability of funds. It is either done for quicker repayment of personal loan as is the case with complete pre-payment or it is done to pay lower EMIs as is the case with partial pre-payment.
Yes, partial or complete personal loan pre-payment comes with pre-payment or foreclosure charges. Such charges are charged on both standard and flexible funding options (Cash Credit or Overdraft). Even pre-payment of top-ups involves foreclosure charges.
Tata Capital levies pre-payment charges on our personal loans as follows –
Standard Part Pre-Payment charges – 2.5% + GST (on amount over and above 25% of Principal outstanding)
Foreclosure Charges for Top-Up – 2.5% on the Future Principal outstanding on existing loan + GST (charged only if the new interest rate is lower than the old one)
Foreclosure Charges in CCOD Cases – 4.5% on the Dropped down limit amount + GST
To use a prepayment calculator, all you need to do is enter in the relevant details –
Loan Amount – This is the principal amount that you have borrowed as personal loan
Loan Tenure – The fixed period for which the personal loan has been taken (in months or years)
Rate of Interest – The rate at which you need to pay your monthly EMIs over the loan tenure for repaying your personal loan
Part Pre-Payment Amount – This is the amount that you wish to pre-pay or pay in advance
Payment Months – This is the duration within which you wish to make your pre-payment
Once entered, the calculator will automatically reveal to you the Revised EMI and the Revised Tenure.
Whether or not you should pre-pay your personal loan can be determined by considering the following factors –
Pre-Payment Charges – Before you decide on pre-paying your personal loan, it is important to compare the loan pre-payment charges with the amount you will be saving in terms of interest due to pre-payment. If the answer is not in your favour, it is better to opt out of pre-payment
Actual Savings – A lot of borrowers, especially those in later stages of their loan repayment feel that since they have paid a substantial number of EMIs, the interest component must be quite less and hence a loan pre-payment won’t be of much use. But, the truth is that since interest is calculated using the reducing balance method, it will remain the same for the unpaid principal amount. Hence, it is important to consider the personal loan interest rate and not the loan tenure while deciding about personal loan pre-payment
To use Tata Capital’s personal loan pre-payment calculator, follow the following simple steps –
Step 1 – Using the first slider, set the Loan Amount. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the numbers or you can simply enter the amount in the box given
Step 2 – Using the second slider, select the Loan Tenor in months or years. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the numbers or you can simply enter the amount in the box given
Step 3 – Adjust the third slider to your personal loan Rate of Interest. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the numbers or you can simply enter the amount in the box given
Step 4 – Now, use the fourth slider and choose the Part-Payment Amount. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the numbers or you can simply enter the amount in the box given
Step 5 – Finally, using the fifth slider, select the Payment Months (in months or years) for your part-payment. You can even use the ‘+’ and ‘-‘ symbols to increase or decrease the numbers or you can simply enter the amount in the box given
Once you have entered all the relevant details, the personal loan pre-payment calculator will automatically and almost instantaneously reveal to you the Revised EMI amount and the Revised Tenure of your personal loan.
You should never have to compromise when it comes to your education. Whether it is for your higher studies or your loved ones, you can use the Personal Loan to finance your goals and ambitions. Apply for an Education Loan in India or Abroad with quick approval, relaxed eligibility criteria and documentation.
Know MoreYour wedding should be among the best days of your life. Don’t think twice before planning the wedding of your dreams, and we will help you make it a reality. Get a Tata Capital Wedding Loan and fund your dream wedding without draining your savings.
Know MoreWe know that a medical emergency can be daunting. With our Personal Loan, you will never have to worry about the medical needs of yourself or your loved ones. Apply for a Medical Loan with Tata Capital for funding your medical emergency expenses or clearning medical dues.
Know MoreFantasizing about jetting off to an exotic locale? You can now make it happen. Our process is simple, and we let you customise the repayment option according to your convenience. Fulfill all your travelling needs with Tata Capital Travel Loan.
Know MoreThinking to repair or renovate your home? Upgrade your house with a new look & redesign your dream home with Tata Capital Home Renovation loan.
Know More