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2020 has been a tough year for most of us, causing a deep impact for self-employed and salaried alike. We at Tata Capital, know that this is not only our business but also our duty to lend a helping hand to affected individuals and businesses in need so they can begin again. We bring to you Shubharambh Loans in 2021 for a new start. Let’s together build a community, work together and overcome this crisis!
Shubharambh Loans offer the following products: Business Loans, Personal Loans, Two-Wheeler Loans, Used Car Loan and Home Equity.
The following are exclusive features of Shubharambh Loans :
Extended loan tenure given for all products, reducing the EMI burden – Pay up to 15% lesser EMI per month
Minimum income criteria starting at Rs.15000.
One may club their family income to avail a loan
Pre-covid credit score considered
Please click here. You may also apply via WhatsApp. Send a Hi to 865707 6060
One must have a minimum salary of Rs 15,000
The following are exclusive features of Shubharambh Personal Loans :
Lower minimum income criteria of Rs.15,000
Longer Repayment Tenure – An extra one year provided for repayment. Upto 72 months instead of 60 months
Overdraft Loans facility avilable - You can utilise the loan limit only when you need money and interest payable will be only on the utilised portion of the limit for the initial 2 years. Pay back whenever you have extra funds.
The following are exclusive features of Shubharambh Business Loans :
Longer Tenure – Up to 4 years instead of 3 years in Term Loan Up to 5 years instead of 3 years in OverDraft Loan
For Overdraft Loans - Interest payable will only be on utilised portion of the limit for initial 1 year. No principal repayment required in the first year. Utilise the limit only when you need money. Payback whenever you have extra funds.
Avail interest rates starting at 6.90%* with special concession up to 0.05% on ROI for all women applicants.
Extended tenure - Up to 30 years with Refundable IPF of ₹ 999 + GST (IPF amount will refunded post 1st EMI payment) and NIL Processing Fee
Minimum Monthly income required – Rs 15,000
The following are exclusive features of Shubharambh Home Equity Loans :
Longer Repayment Tenure - upto 20 years instead of 15 years
Higher LTV of upto 70%( Loan to Value of the property given as collateral)
Eligibility assessment is done basis financial assessment without using Income documents. Assessment is based more on cash flow assessment than going only by the books.
Longer Repayment Tenure of 72 months instead of 60 months as per usual policy
Loan Amount upto 10 Lakhs
Lower income requirement
LTV (Loan to Car Value) up to 100%.
Zero Down Payment option
Upto 100 % Loan provided as per the Two Wheeler value
Flexible Loan tenure: from 6 months to 60 months. (Upto 60 Months for Royal Enfield and 48 months for others)
Pay EMI as low as Rs 80 per day
Special rates provided for government employees, doctors, chemist, nurses.
The loan disbursal can take 2-8 days, depending on the product you have applied for.
Shubharambh Loans are available for limited period only. The last date to apply is 30th June, 2021.
Shubharambh Loans are provided under a special eligibility criteria, serving individuals and individuals who have been seriously impacted due to the pandemic. The eligibility criteria for each individual product has been specified on their respective pages. Therefore, in case your details have not matched the respective eligibility, your application has not been accepted.
No, you can apply for one loan at a time.
Yes, you can apply via your Sales representative for all loan the provided loan segments.
Yes, it is advisable to add co-applicant(s) to your Home Loan application. Adding a Co-Applicant will help to increase your eligibility or to increase the stability of your loan.
We are collating courageous stories from all customers who want to do Shubharambh. Please tell us your lockdown story. It can be in text (Not more than 200 words), photo, audio or video format – 10 mb (any one mandatory). The eligibility of your loan is not affected by the quality of your story.
The limit to the photos, audio and videos are to be within 2MB, 4MB and 10MB respectively.
Yes, you may club your family’s income to avail a loan.
To check the status of the application or for any assistance, you may call on our toll free number 1860 267 6060 between 9:00 a.m. - 6:00 p.m. from Monday to Saturday (Except Public Holidays and Sundays).
I had started working at a small clinic in Bareily as a radiologist when the pandemic hit. We knew then it was going to be tough for healthcare workers. I took every precaution to not expose my family while fulfilling my duty. But my family was afraid because I worked in a high-risk environment. Some neighbours even told my father to persuade me to quit, there was a lot of drama. My biggest problem was commuting, we had one car but my family felt it was risky taking it to the clinic. I had to find a solution on my own. Since it was my first job and I didn't want to give my parents another reason to ask me to quit. I applied for a two-wheeler loan from Tata Capital, got Eighty-five thousand, bought a scooter and continued to serve.” This is Aarti's story from Bareily, she not only faced the virus but the stigma around the virus and came out on top. We at Tata Capital feel proud that she counted on us to help her serve her oath.Know More
Business was booming, we were looking to open another Rolls Kitchen in Kolkata and then the pandemic hit us like a storm. Orders came to a halt, our food stock perished, but we kept the staff with pay cuts. A month went by and we started adjusting to the new normal, then another and another until we realised that things were never going to be the same. We realised that we had to change. We needed to relook our entire operations. We needed sterilisation equipment, door sanitizers, thermal scanners, partitions to keep the kitchen and the dining area separated etc. These added a lot to our costs. With our funds depleting, opening even one location was seeming daunting. But we had to, so we applied for a Business Loan from Tata Capital online, and we waited for the funds to come, we didn’t have to wait long and now we’re still opening at two locations. We’re excited and look forward to this coming year“ This is Proneet and Sujeet’s story from Kolkata, a tale of defying the odds and doing right by their people and customers. We’re proud to be a part of their reopening journey.Know More
Rishikesh Dalal, a second generation grocery store owner in Vasai experienced that customers were reluctant to come into his small shop to buy daily groceries, due to other easier alternatives like online purchasing. “Dedicated to being there for my community since I took over the shop from my father 15 years ago. I decided that if my customers couldn’t come to us, we would go to them - right to their doorsteps. I used the Used Car Loan to purchase a Maruti Eeco and used it to create a mobile fresh fruit and vegetables shop for nearby localities. There has never been a day that we have gone without providing food to the people in my community, and I wasn’t going to let anything - even a pandemic - change that. And my father taught me that to run a business is to adapt to every circumstance. So here we are, adapting and thriving.” Rishikesh was able to drive to the gates of housing societies and have people buy fresh groceries safely.Know More