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Wedding Loan Interest Rates & Charges

Interest Rates

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

When you apply for a Wedding Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed EMI Payments, all information is transparently-provided for smooth processing of your Wedding loan. 

Processing Fee

Up to 2.5% of the loan amount

Part Payment Charges

No Part Prepayment is allowed in first 6 months

  • Only once per year and 
  • Minimum gap between two part payments to be six months. 
  • Part payment amount Up to 25% of principle outstanding
  • Part prepayment Charges 2.5% + Applicable taxes (on amount over and above 25% of Principal outstanding)

Delay in Payment Charges

2% charges for delay in payment of EMI.

Penal Interest / Additional Interest

3% per month + applicable taxes

Miscellaneous Charges

Post-Dated Cheque Charges

₹ 850

Bounce Charges

₹ 600 for every Cheque/ Payment Instrument/ ECS Dishonour + Applicable tax

Cancellation Charges

2% of loan amount or ₹ 5750, whichever is higher + applicable tax

Instrument Swapping Charges

₹ 550 + applicable tax

Foreclosure Charges

No Foreclosure is allowed in first 6 months.

4.5% of the principal outstanding at the time of foreclosure + Applicable Taxes

Foreclosure Charges for Top Up

2.50% on the future principal outstanding on existing loan + Applicable Tax

(Foreclosure charges shall be levied only if new rate is lower than existing rate)

Foreclosure Charges in CCOD Cases

No Foreclosure is allowed in first 6 months.

4.5% on the Dropped down limit amount + Applicable taxes

Mandate Rejection Service Charge

₹ 450 + applicable taxes

Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account.

CCOD Annual Maintenance Charges

0.25% or ₹ 1000, whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month.

Outstation Collection Charges

₹ 100 + Applicable tax

Statement of Accounts

Customer portal – Nil

Branch walk in - ₹ 250 + Applicable tax

Duplicate Repayment Schedule

₹ 550 + applicable tax

Duplicate NOC

₹ 550 + applicable tax

Foreclosure Letter Charges

Customer portal – Nil

Branch walk in - ₹ 199/- +Applicable Taxes


The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.


Your EMI depends on the loan amount. Please use our Personal Loan EMI Calculator to know exactly how much you need to pay.

You can take up to ₹ 25 lakhs and more depending on your credit score.

You can take up to 6 years to repay your Personal Loan for Wedding.

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