Personal Loan Processing Fees

What your personal loan costs

With Tata Capital's Personal Loans, you won't have to think twice before facing life's trials. Be it your child's education, a foreign holiday, a sudden home renovation, a family wedding, repayment of an existing loan, a personal emergency or even that special gift for your loved one. Your dreams and responsibilities will never take a backseat with our personal loans.


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The charges are:


Processing Fee:

  • Upon applying for a personal loan, you will be charged a non-refundable processing fee, which will vary depending on the particulars of your loan.

Part Prepayment Charges:

  • Part payment permissible only after 6 month of seasoning
  • A maximum of 25% of the principle outstanding (without any charges) is permissible within 6 months. A fee of 2% (of the amount paid) + GST is applicable beyond that period.
  • Maximum part payment permissible (with charges ) will be 50% of the principle outstanding.

Delay in Payment Charges:

  • A 2% charge is levied every outstanding month over the prevailing interest amount for delays in payment

Miscellaneous Charges

Charges Amount*
PDC Charges Rs. 850
Bouncing Charges Rs. 450
Cancellation Charges 2% of loan amount of Rs. 5,750 whichever is higher
Duplicate NOC Rs. 550
Swapping Charges Rs. 600
Foreclosure Charges 4.5% of the principle outstanding at the time of foreclosure + ST
Foreclosure Charges for Top Ups 2% on the future principle outstanding on the existing loan + ST
Duplicate Repayment Schedule Rs. 550
Sec 138 and 25 Rs. 3,400
Arbitration Filling Rs. 4,000
Receiver Order District Court Rs. 4,000
Receiver Order High Court Rs. 13,500
Notice Rs. 125
Legal Notice Rs. 300
Execution of Award Rs. 5,600


Looking for a Personal Loan? Calculate your EMI in 3 Easy Steps Using our Personal Loan EMI Calculator.


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Personal Loans are originated and serviced by Tata Capital Financial Services Limited and are at its sole discretion. Flexi EMIs are applicable for salaried individuals only. Terms and conditions apply.

Important Information

Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance. Customers are requested to read the attached advisory and be aware of misleading advertisements in the newspapers. Click here to read the advisory and be aware of misleading advertisements in the newspapers.

Click here to read the advisory