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Personal loan for all your needs
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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Home Loan with instant approval starting
@ 8.75% p.a- Instant approval
- Easy repayment
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Home Loan for all your needs
Calculators
Business loan to suit your growth plan
- Collateral-free loans
- Customized EMI options
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Business loan for all your needs
Looking for Secured Business Loans?
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
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Explore Used Car Loans
Explore Two Wheeler Loans
Calculators
Avail Loan Against Securities up to ₹40 crores
- Quick access to finance
- Zero foreclosure charges
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Explore Loan Against Securities
Calculators
Check Your Credit Score
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Avail Loan Against Property up to ₹3 crores
- Loan against property
- Business loan against property
- Mortgage loan against property
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Loans for all your needs
Calculators
All you need to know
Calculators
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Retail API catalogue
Retail API catalogue
API Catalogue
Explore seamless integrations through our plug and play API solutions across a wide range of Retail Products.
Loan Product API
Building Blocks API
Fraud Checks API
Credit business rule engine API
Payment & collections API
Servicing API
Post Sanction API
eNACH API
This API enables e-mandate registration for repayment of loan
Penny Drop API
This API checks the activeness of bank account along with bank holder's name
Enables validating the repayment account & repayment amount by netbanking or Debit Card
Allows monthly and timely EMI deduction on loan recovery
Enables elimination of dormant accounts
Allows to check the bank account name against the loan applicant
Additional Services
Banking Analysis
This API enables to fetch customer's banking and its analysis through three different methods
Enables to fetch Tamper free banking information
Real time updated information from source
Building blocks API
Loan Management Application Creation API
These APIs enable capturing and storing of all the data & documents w.r.t customer's loan application and assisting in pushing of the application in Lead management System & Loan management System
Webtop Creation
These APIs enable capturing and storing of all the data & documents w.r.t customer's loan application and assisting in pushing of the application in Lead management System & Loan management System
Enables Prospect creation
Enables Lead monitoring
Allows Product segmentation
Enables storage of documents digitally for each application
Credit API
Verification Module 0
These APIs are to fetch customer's bureau information, Business rule engines, financial analysis, automation of CAM, RTR module, credit scorecards, loan eligibility and decision for the application
Verification Module 1
These APIs are to fetch customer's bureau information, Business rule engines, financial analysis, automation of CAM, RTR module, credit scorecards, loan eligibility and decision for the application
Verification Module 2
These APIs are to fetch customer's bureau information, Business rule engines, financial analysis, automation of CAM, RTR module, credit scorecards, loan eligibility and decision for the application
Statement Upload
This API enables to fetch customer's banking and its analysis through three different methods
Online API
This API enables to fetch customer's banking and its analysis through three different methods
ITR Login
This API enables customer's ITR fetch and analysis
ITR Upload
This API enables customer's ITR fetch and analysis
GST Login
This API enables customer's GST fetch and analysis
Automation of credit underwriting process
Enables to give instant eligibility/ Sanction to individual/company
Reduces TAT by enabling real time eligibility calculation
Enables to fetch Tamper free banking information
Real time updated information from source
Enables with Tamper free ITR information
Enables with Tamper free GST information
Post Sanction API
eNACH
This API enables e-mandate registration for repayment of loan
Enables validating the repayment account & repayment amount by netbanking or Debit Card
Allows monthly and timely EMI deduction on loan recovery
Used car loan API
VAHAN API
Validate Registration certificate
Indian Blue Book (IBB)
Used car Valuation
Bank Statement Analyzer
Analyse Banking from source/ Banking statement
Digital Copy of Registration certificate
Market Value /pricing of Used Car determination
Average Bank Balance plotting
KYC API
CKYC API
To perform CKYC Validations at TCL end
Comparison and verification of CKYC documents & XML
Loan Management System API
Business day API
This API is used to fetch the TCL Lead Management System date
Push to Loan Management System
This API is used to push lead to TCL Lead Management System
Ensuring that the records are entered in the system at the right date
Application ID creation
Loan Application Number creation
Post Sanction API
eNACH API
This API enables e-mandate registration for repayment of loan
Penny Drop API
This API checks the activeness of bank account along with bank holder's name
Enables validating the repayment account & repayment amount by netbanking or Debit Card
Allows monthly and timely EMI deduction on loan recovery
Enables elimination of dormant accounts
Allows to check the bank account name against the loan applicant
Post On Boarding API
Process Receipt
This API is used to post the repayment to the lender
Adhoc Receivable API
This API is used to post charges in TCL system
Adhoc Payable API
This API is used to waive off bounce/ overdue charges in the TCL system
Get Details for Foreclosure
This API is used to fetch outstanding details (Principal outstanding, Principal due, Interest due, Overdue interest due, Bounce charge due etc.) at TCL system
Inbuilt loan Management
Servicing during Loan Life Cycle
Early Closure of Loan/ Termination of LAN
Collection Management
Additional services
Banking Analysis
This API enables to fetch customer's banking and its analysis through three different methods
GST Analysis
This API enables customer's GST fetch and analysis
ITR Analysis
This API enables customer's ITR fetch and analysis
CAM
This API enables automated CAM generation basis customer's available information
Enables to fetch Tamper free banking information
Real time updated information from source
Enables with Tamper free GST information
Enables with Tamper free ITR information
Real time CAM for underwriting and instant decisioning
Post sanction API
ENACH API
This API enables e-mandate registration for repayment of loan
Penny Drop API
This API checks the activeness of bank account along with bank holder's name
Enables validating the repayment account & repayment amount by netbanking or Debit Card
Allows monthly and timely EMI deduction on loan recovery
Enables elimination of dormant accounts
Allows to check the bank account name against the loan applicant
Loan Origination System
Lead Creation
This API is used to capture the customer details & the facility requirements for lead creation
Opportunity creation
This API is used to capture the customer details & the facility requirements for opportunity creation
Document Folder creation
This API is used to for folder creation in Document Management System
App ID creation API
Enables to push lead to Tata Capital Loan Management System
Loan Account API
Enables to fetch the Loan Account Number from lenders end
Enables Prospect creation
Enables Lead monitoring
Allows Product segmentation
Enables creation of Application ID
Enables creation of Loan Account Number
Document Upload API
Document Upload API
This is an API where upload can happen in the TATA Capital Loan origination system during the journey
Real time access and view of documents
Ease of use to upload new documents
KYC API
CKYC
This API is used to download customer details and extract KYC Documents from CERSAI CKYC Repository. It contains Proof of Address and Proof of Identity details basis CKYC ID
CKYC with AI
This API helps to match the data and document received from CERSAI without any manual intervention
OKYC
This API is used to fetch customer Aadhaar details verified by UIDAI
KYC Document Storage API
This API is used to fetch customer Aadhaar details verified by KYC Document Storage
Face Match and Liveliness Check
This API is used to verify customer's identity with available KYC details
Realtime fetch of Proof of Address and Proof of Identity documents from CERSAI repository
Eliminates customer's dependency of providing Proof of Address and Proof of Identity
- Eliminates manual intervention of data verification
Tamper free Aadhaar documents of the customer
Real time updated information of the customer
Enables real time identity verification of the customer
Mitigate the changes of fraudulent transactions
Lead management system API
Business day API
Enables to fetch Loan Management System date
Process Receipt
This API enables to post the repayment to the lender
Adhoc Receivable API
Enables to post charges in Tata Capital Limited system
Adhoc Payable API
Enables to waive off bounce/ overdue charges in the Tata Capital Limited system
Instant Disbursement API
Enables credit payment to the customer's bank
Foreclosure Details API
To fetch outstanding details (Principal outstanding, Principal due, Interest due, Overdue interest due, Bounce charge due etc) at Tata Capital Financial Services Limited system
Statement of Account API
To allow fetching of account details and generate statement
Interest Servicing API
To allow calculation of interest on the outstanding balance
TDS certificate API
To allow calculation of Tax deducted
Enables Inbuilt loan Management
Servicing during Loan Life Cycle
Assists with termination of Loan Account Number
Enables Collection Management
Allows Disbursement of Payment
Enables early Closure of Loan
Enables to provide outstanding details
Enables to provide details about the account
Enables statement generation
Enables to provide interest generated over the outstanding balance
Enables to provide information on the TDS deducted
Post Sanction API
Estamp
This API enables to access stamp papers as per stamp duty act of particular state to avail / provide a loan
Enables real time access to e-stamp papers for instant agreement stamping
Additional Services
GSTIN API
Enables to fetch GST details of corporate
Bank Statement Analyzer API
Enables financial statement analysis
Account Aggregator API
Enables to obtain customer financial information from registered Financial Information Providers (FIPs)
Enables to verify the GST number, Trade name & Address of corporate
Enables to extract Sales/purchase history post login
Enables to identify fraudulent/suspicious behaviour or transactions from statements uploaded
Real-time analysis of bank statements
Enables quick access to financial data with user consent
PAN Verification
PAN Verification
This API is used to verify customer's PAN authenticity
Real time verification of customer's PAN
Bureau API
Bureau API
This API enables to access customer credit history across all loan types in case of individuals
Enables instant eligibility check on customer details
Identification of credit health of customer
Record of credit history/ repayments/defaults if any
Fraud Check 1 API
Fraud Check 1 API
Enables identification of fraudulent activity involvement by Individual
Enables to take precautionary actions basis Match/No match results
Prevent fraud at the point of application
Screen new applications for suspicious activities from multiple peer organizations
Fraud Check 2 API
Fraud Check 2 API
Provide a unified view of the customer to survey the customer's past behaviours across multiple channels. Enables to identify total exposure of an individual/company in TATA Capital ecosystem
Enables better Risk management & customer due diligence
Enables fraud checks and KYC screening of applicants
Credit API/Business Rule Engine API
Scorecard API
This API enables to check all the eligibility parameters as per loan type, customer profile and external checks
Enables to give instant eligibility/ Sanction to individual/company
Provide hard/soft sanction to customer
Reduces TAT by enabling real time eligibility calculation
Process Receipt
Process Receipt
This API enables to post the repayment to the lender
Servicing during Loan Life Cycle
Assists with termination of Loan Account Number
Enables Collection Management
AdHoc Receivable API
AdHoc Receivable API
Enables to post charges in Tata Capital Limited system
Servicing during Loan Life Cycle
- Assists with termination of Loan Account Number
Enables Collection Management
AdHoc Payable API
AdHoc Payable API
Enables to waive off bounce/ overdue charges in the Tata Capital Limited system
Servicing during Loan Life Cycle
Assists with termination of Loan Account Number
Enables Collection Management
Instant Disbursement API
Instant Disbursement API
Enables credit payment to the customer's bank
Allows Disbursement of Payment
Foreclosure Details API
Foreclosure Details API
To fetch outstanding details (Principal outstanding, Principal due, Interest due, Overdue interest due, Bounce charge due etc) at Tata Capital Limited system
Enables early Closure of Loan
Enables to provide outstanding details
Statement of Account API
Statement of Account API
To allow fetching of account details and generate statement
Enables to provide details about the account
Enables statement generation
Interest Servicing API
Interest Servicing API
To allow calculation of interest on the outstanding balance
Enables to provide interest generated over the outstanding balance
Tax Deducted at Source certificate API
Tax Deducted at Source certificate API
To allow calculation of Tax deducted
Enables to provide information on the Tax Deducted at Source
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