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Personal Loan Interest Rates

Attractive Interest Rates as low as 11.49% on Personal Loan


Personal loans are one of the most useful forms of loans when it comes to handling unexpected expenses or emergencies. Since these are unsecured in nature, the borrower is not required to provide any collateral for availing the loan.


Now in a personal loan, most people are concerned about the EMI as well as interest rates. Since EMI too depends on the loan rates, its imperative to understand the concept of interest rate if you are looking to take a personal loan in near future.


The interest rates on personal loans offered by Tata Capital range between 11.49% to 19% p.a.


There are several factors on which the interest rates for a particular applicant is determined - borrower's current salary band, income stability, profession, work experince, company category, age, existing loan EMIs, past loan repayment history, etc. So for example, someone with a stable, well paying job with high credit score is considered a safe borrower. Naturally, the rate of interest offered to him/her will be low.


As a borrower, it's in your best interest to ensure that you get a personal loan at the lowest possible interest rate. Interest rate plays a major role in your personal loan management.

You can check out our personal loan EMI calculator, enter the amount, the interest rate (making an educated guess) and the tenure. You'll get an idea about the EMI you may have to pay.

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