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Information About Travel Loan

  • Overview
  • Eligibility & Documentation
  • Fees & Charges
  • Calculators
  • EMI Options
  • FAQs
  • Know More
    • 1
    About Travel Loan
    Features and Advantages
    Eligibility and Documentation
    Checking your eligibility
    Calculators
    Why Choose Us

    About Travel Loan

    The Travel Loan is ideal for people who are seeking to finance their ideal vacation but are falling short on funds. It covers all the expenses related to your travel, such as, airfares or any kind of transportation, hotel fares, tour packages, travel gear/accessories, or any type of expenses that are associated with your travel. Apply for the Travel Loan quickly and be travel ready!

    How can you take a Travel Loan?

    Going on your holiday is extremely simple, thanks to our Travel Loan. You just have to follow these four easy steps to get a Travel Loan:

    • Check your eligibility online
    • Select your loan amount and period
    • Submit your application
    • Get your money
    Apply Online

    Your Ultimate Travel Checklist

    Before you apply for a Travel Loan, make sure you consider the following things to help you plan the ideal getaway.

    Choose your destination

    The first step to any successful vacation is deciding on the destination. Do you and your loved ones enjoy spending time on the beach or surrounded by the mountains? Is there a specific exotic place that has always been part of your bucket list? Once you choose where you want to go, you will be able to plan your itinerary better. This will play a vital role in applying for the Travel Loan.

    Research is your best friend

    Once you have narrowed in on where you want to go, begin researching everything you can about your destination. By using online resources and talking to people who may have visited the place before, find out everything you can. This includes information about tourist spots, food, local transportation, and activities that you should not miss out on. Even the smallest details can have a huge impact on your holiday.

    Budget everything

    This is a crucial step before applying for a Travel Loan. Based on your research, you should be able to draw up a detailed budget plan including food costs. In addition to the usual costs, also set aside a nominal amount to address any contingencies. Be prepared.

    Set up an itinerary

    While it is important to be spontaneous during your vacation, it is better if you draw up a rough schedule for your overall stay. This will help you when it comes to your stay and will make sure you don’t miss out an experience of a lifetime.

    Assess your existing funds

    Consider all available funds at your disposal. This plays a crucial role in determining how much money you need to apply for through the Travel Loan.

    Apply for the Travel Loan

    With just minimal documentation and absolutely no security, you can apply for a Travel Loan in an easy and secure manner. Based on your travel loan eligibility, we will instantly release the funds, so you can jet off on your ideal getaway. 

    What are the basic requirements in getting your loan approved?

    We want to make sure that you can start preparing for your holiday as soon as possible. Hence, taking our Travel Loan is simple and quick. For a swift approval

    • Keep your personal details handy including your PAN number, Aadhaar Number, CIBIL score
    • Provide copies of your pay slips, address proof and bank statements

    Find out more about Eligibility and Documents for more details.

    Features and Advantages

    Quick Loan

    Your holiday plans can be funded easily with Tata Capital Travel Loan. We provide approvals immediately and funds are credited in your bank account within a couple of days.

    Minimal Paper Work

    We won’t waste your time making you run around doing extensive paper work. You can just focus on making your trip memorable. 

    No Collateral

    Our Travel Loan comes with no extra baggage. We don’t ask for any collateral or security. 

    Easy Repayment

    You have the flexibility and control over how you want to repay your Travel Loan. Choose the EMI option that best suits your needs

    Part payment

    We offer conditional pre-closure and part payment anytime after 6 months. 

    What does the Travel Loan cover?

    Our Travel Loan will take care of all your travel expenses. Whether it is for domestic or international travel, we will take care of everything including your transportation, food expenses, hotel stay, day trips and any other activity you wish to indulge in during your holiday. Your ideal vacation begins with us. 

    Interest Rates

    Our interest rates that start at 10.99% are competitive with the other players in the industry. However, it depends on travel loan eligibility, income and other criteria to determine the interest rates for the loan offered.

    How much EMI do you need to pay?

    Equated Monthly Instalment depends on the principal loan amount, the interest rate charged and the period for which the loan is taken. We provide Travel Loans with loan tenure up to 48 months.

    You can choose your EMI amount that is comfortable for you by using the Travel Loan EMI calculator.

    How can you repay a Travel Loan?

    You can decide how you want to repay the personal loan for travel. For a fixed amount of loan and interest, you can choose the tenure and EMI to repay the loan comfortably. The longer the tenure, lower will be the EMI. You can also prepay your loan after meeting the defined terms and conditions. 

     You can pay your travel loan through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.

    Eligibility and Documentation

    Eligibility and Documentation

    You are eligible for a Travel Loan if you are a salaried person aged between 22-58 years, with one year of work experience. You should be in the same job for a minimum of six months with a salary of ₹ 20,000 per month to get a loan. 

    Documentation

    These are the documents you will need to submit:

    • The documents required to establish your credentials like Voter ID, Aadhaar Card .
    • Proof of identity and proof of residence.
    • Income documents, documents relevant to your salary, profession.

     

    Please check Eligibility and Documents for more details.

    Checking your eligibility

    You have to meet some basic conditions to successfully get our Travel Loan. You can use our Travel Loan Eligibility Calculator to know your eligibility. At Tata Capital, we believe in extending a loan with minimal paperwork, reasonable interest rate and flexi EMI plans.

    What’s the maximum amount of a Travel Loan you can avail?

    The maximum amount of a Travel Loan depends on your income. You need to have a minimum income of ₹ 20,000 per month. You would be eligible for a maximum loan of ₹ 25,00,000. 

    Calculators

    What is a Travel Loan EMI Calculator?

    Travel Loan EMI calculator helps you to understand the EMI that you will pay towards the principal payments and interest payment over the loan tenure. Use the EMI calculator to know how much money you can pay annually over a course of time to repay your loan. With the help of EMI calculator, you can plan your monthly instalments and conveniently pay off the loan. 

    What does a Travel Loan EMI Stand for?

    EMI stands for Equated Monthly Instalments. It is the payment that you give for any loan undertaken for a fixed tenure to pay off the loan.  You can take anytime between 12 to 84 months to repay your loan with TATA Capital. Your EMI will include principal and interest payments made every month towards the repayment of the loan. Though the amount of EMI does not change, the percentage of principal & interest will change month on month. Initially, the interest is higher but gradually the principal payment depends more on the EMI option. The exact percentage of principal and interest will depend on the interest rate charged and the tenure for which the Travel Loan is taken.

    How to calculate your EMI using a calculator?

    Enter the following information to calculate your EMI:

    • Travel Loan Amount (the loan amount you wish to get)
    • Interest Rate (Tata Capital Travel Loan interest rate starts from 10.99%)
    • Travel Loan Tenure (Tata Capital offers 12 - 84 months of time)
    • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
    • If the Travel Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4.

    The 3 Hows of deciding the right EMI

    • How soon do you want to pay off the Travel Loan?
    • How much can you afford to pay in a month?
    • How much of an interest rate are you comfortable with?

    Why Choose Us

    We care about you

    We offer Travel Loans to meet almost all your travel needs without bothering you with too many formalities other than the statutory requirements as prescribed by law.

    We offer attractive Travel Loan Interest Rates

    Our interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay. 

    We’re flexible

    Our Travel Loan lets you choose the loan amount, tenure and EMI period for which you need the loan. 

    We’re not going to bother you about collateral

    No collateral? No problem. We don’t want you to attach any security to cover the Travel Loan. 

    We are not going to make you run around

    We only ask for minimal documentation to process your application. We just need some mandatory information like the source of your income and the purpose of the Travel Loan.

    We offer tailor-made loans

    Our personalized approach gives us the edge and has left countless of our customers satisfied. You are not just an application form to us. We understand that one size doesn’t fit all. 

    We’ve been in the industry for a long time

    This means we understand your needs and we will tailor our services to your needs. If you look good, we look good too.  

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE

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