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For Home Loans/Loan Against Property:

Kindly note that the initial processing fee is charged towards evaluating your loan application and is non-refundable irrespective of the outcome. The same is also mentioned in the application form.

CCOD Annual maintenance charges are levied on loan accounts with a flexible funding option such as Cash Credit or Overdraft. It is charged towards the maintenance of the Overdraft facility

AMC for Overdraft Personal Loan

0.25% of the Reduced Assigned Limit or Rs. 1000 along with the GST, whichever is higher per year, will be deducted from the limit and shall be payable at the end of the 13th month, 25th month, 37th month and so on.
 

AMC for Overdraft Business Loan

First Year: 0.75% or 1000 along with the GST, whichever is higher will be deducted from the reduced assigned limit and shall be payable at the end of the 13th month.

Subsequent Years: 0.50% or 1000 along with the GST, whichever is higher per year will be deducted from the reduced assigned limit and shall be payable at the end of the 25th month, 37th month and so on.

AMC for Overdraft Loan Against Property

Rs. 10,000 + GST per year will be annually deducted from the reduced assigned limit.

For Home Loans/Loan Against Property:


Kindly note that the late payment charges is charged on the delayed EMI payment. This is calculated at 2% per month over and above the prevailing interest rate.

For updated Most Important Terms & Conditions, kindly download:

• Most Important Terms & Conditions (Home Loans)
• Most Important Terms & Conditions (Home Equity/Loan against Property)
• Most Important Terms & Conditions (Quick Cash)

To know other standard charges, click on the below links for details:

• Personal Loan or Overdraft Personal Loan: https://www.tatacapital.com/personal-loan/interest-rates-and-charges.html
• Business Loan or Overdraft Business Loan: https://www.tatacapital.com/business-loan/interest-rates-and-charges.html
• Loan Against Property: https://www.tatacapital.com/loan-against-property/interest-rates-and-charges.html  
• Consumer Durable Loan: https://www.tatacapital.com/consumer-durable-loan/interest-rates-and-charges.html
• Two-Wheeler Loan: https://www.tatacapital.com/vehicle-loan/two-wheeler-loan/interest-rates-and-charges.html
• Used Car Loan: https://www.tatacapital.com/vehicle-loan/used-car-loan/interest-rates-and-charges.html

For Retail Loans:

Currently advance EMI payment facility is not available for any type of loans offered by Tata Capital Limited.

For Home Loans/Loan Against Property:

Kindly note that as per the standard process, EMI shall be presented by way on NACH/ECS on the EMI due date. Request you to kindly keep your account sufficiently funded. There is no option of advance EMI payment and the NACH/ECS registered with the loan account will by default be presented on the due date.

For Retail Loans:

Please click here to know if your bank is a participant for digital E-NACH
 

If your bank is a participant in digital E-Nach registration.

• Raise the request by logging into Tata Capital’s website. Login here
• You may also send us a request via email on customercare@tatacapital.com with a scanned image of your cancelled personalized cheque (with your name printed on it) of your new bank account or the account statement having the bank’s details with IFSC (Indian Financial System Code). After receiving the request with the document, we would send you an SMS with E-NACH registration link to your registered mobile number.
  
  You are requested to complete the E-NACH registration by clicking on the link. Once registration journey is completed successfully, the new bank account details will be updated in our records.

Note: Requests submitted between 27th day of the month & EMI due date, upcoming EMI will be debited from the existing bank account. Subsequent EMIs will be debited from new Bank account, post mandate is registered successfully.

Example - In the scenario of EMI due date on 3rd of every month. If the request is submitted between 27th September – 3rd October, October month’s EMI will be debited from existing bank account. New bank account will be debited from November month.

If your bank is NOT a participant in digital E-Nach registration.

Since your bank does not participate in digital e-NACH registration, we would need some physical documents from you. You can contact us to place a request for your Bank NACH change. Our service executive will connect with you on your registered mobile number to fix an appointment as per your convenience to collect the below documents.
 

1. Photocopy of a cancelled personalized cheque from the new desired bank account

2. Your consent and signature on the new NACH mandate form (executive will carry this form along with him)
 

Please note that it takes about 30 days for the NACH to be registered with the bank.

Note: EMI will be presented to the existing bank till the time your new bank account gets updated in our records.

For Home Loans/Loan Against Property:

You are requested to visit nearest TCHFL service branch along with following documents:

For Salaried:

1.       Last 6 months bank statement of the new account

2.       Cheque book with minimum 3 cheque for post-dated and cancelled cheque pertaining to the new bank account.

3.       Duly filled NACH form (will be provided at branch)

4.       Last 3 months salary slips

5.       Request letter mentioning the reason for change in the bank account

For non-salaried:

1.       Last 12 months bank statement of the new account

2.       Cheque book with minimum 3 cheque for post-dated and cancelled cheque pertaining to the new bank account

3.       Duly filled NACH form (will be provided at branch)

4.       Last 2 years ITR

5.       Request letter mentioning the reason for change in the bank account

Note: NACH swapping charges of Rs. 550 + GST will be applicable and same is to be paid at the branch. Please refer to our MITCs for the updated details of the charges

For Retail Loans:

If your loan is Active

If your loan is still active, we would request you to reconsider your decision until any other mode of loan EMI repayment is registered with us. Mandate cancellation without any other repayment mode may result into EMI bounce, Negative impact on your credit rating as well as levy of late payment charges and NACH mandate rejection charges.

You may cancel the mandate / debit instrument directly with your bank by requesting them to stop/cancel the mandate. Such withdrawal instruction would be treated equivalent to a ‘stop payment’ instruction in cheque clearing system.

If your loan is Closed

Once your loan is closed with us, we will ensure that your NACH mandate is not presented to your bank for any further EMI payment against your closed loan. In case you decide to avail another loan from Tata Capital, this NACH mandate can be used for easy repayments of your future loans with us.

For Home Loans/Loan Against Property:

If your loan is Closed

Once your loan accounts are closed in our records and NOC is handed over to you, we will ensure that your NACH mandate submitted to TCHFL towards the closed loan accounts is not presented to your bank for any further EMI payment against your closed loan.

For Retail Loans:

You can login to your loan account to check if any  other charges are applied and debited along with the EMI amount. Click here to login
 

If you are not satisfied after checking your loan details and statement online, you may write to us on "customercare@tatacapital.com" and let us know the amount, the date on which it was deducted and also send us a copy of your bank statement reflecting the excess amount deduction.

For Home Loans/Loan Against Property:

Kindly note that in case there are overdue charges/billed charges in your account which is unpaid, the same may be presented along with your EMI or separately. Please refer to the split charges section to view the details of these charges. You may also download the Statement of Account (SOA) for more details. In case of any further queries in this regard after accessing the above statements, please write to us at customercare.housing@tatacapital.com

For Retail Loans:  

You can make the payment of your overdue EMI / Charges through multiple easy and convenient options. To initiate, please visit the ‘Quick Pay’ option on Tata Capital’s website by clicking here. You can complete the payment via different payment options like:

1. Debit Cards

2. Internet Banking

3. UPI – Google pay, Paytm, PhonePe, BHIM App etc.

4. Wallet/Cash Card

For Home Loans/Loan Against Property:

Kindly note that you can make the payment of overdue EMI/charges through the Quick pay option available on  our website by entering your registered email id or mobile no.

In case of any assistance required in making the payment, please reach out to our customer care no. 1860 267 6060

The intimation of mandate rejection is sent through SMS to your registered mobile number.

To update your registered mobile number, please click here

(You will be redirected to the Log-in page where you can select the Loan Account Number and Raise a Request to update your Mobile Number & Address. You can login via registered mobile number/registered email ID and OTP or via User ID and password)

NOC will be dispatched to your registered Address within 5 working days from the date your loan closure. 

In case you need us to send the NOC on any other address or at your nearest branch, you can contact us or visit the branch

Your CIBIL score will automatically get updated after a month of your loan closure

For Retail Loans:

One does not have to make an online payment, if their mandate is registered with us. The EMI amount will be automatically debited on the monthly EMI due date from the bank account registered with us. One just needs to ensure that the bank account is kept sufficiently funded from a day prior to the EMI due date.

However due to any reason if the mandate is not activated/registered or the EMI has bounced then one can make an overdue amount payment online any day after the cycle due date. To pay online, please click here or pay via the Tata Capital Mobile App or WhatsApp.

For Home Loans/Loan Against Property:

The EMI amount will be automatically debited on the due date from the bank account registered with us. Kindly keep the bank account sufficiently funded a day prior to the due date to ensure the EMIs are cleared. This is to maintain a healthy CIBIL score.

However due to any reason if the mandate is not activated/registered or the EMI has bounced then one can make an overdue amount payment online any day after the EMI due date. To pay online,  click on & https://www.tatacapital.com/online/payment/tcl-payments/#/pay-online.html; or visit our Tata Capital website or pay via the Tata Capital app. To download the Tata Capital app, please visit the app store or the playstore.

Pre-closure of loans may or may not be the right step. You need to analyse your financial situation before paying off the entire loan amount at once. There are foreclosure charges that one needs to pay. Details as below:

1. Where to raise your request

• Personal Loan/Business Loan/Used Car Loan: Following are the way through which you can initiate Foreclosure of your loan
  • Login to Tata Capital Mobile App or Web portal to raise a request.
  • You can call the Customer Care or write to us on our customer care email ID
  • You can raise a request at the nearest Tata Capital service branch. To know your nearest branch, click here.

• Loan Against Property: Raise a request at the nearest service branch.

• Consumer Durable & Two Wheeler Loan: Login to our Tata Capital Mobile app or the web portal and click on the "Foreclosure Option" for details.

2. Please note below points:

• Personal Loan:

  • Foreclosure charges is 4.5% of the principal outstanding at the time of foreclosure + GST.
  • Foreclosure Charges within 12 months of loan disbursed date is 6.5% of principal outstanding at the time of foreclosure + GST.

• Used Car Loan:

  • Foreclosure Charges within 6 months of loan disbursed date is 7% of principal outstanding at the time of foreclosure + GST.
  • Foreclosure Charges between 6 to 12 months of loan disbursed date is 6% of the principal outstanding at the time of foreclosure + GST.
  • Foreclosure Charges after 12 months of loan disbursed date is 5% of the principal outstanding at the time of foreclosure + GST.

• Business loan:

  • Foreclosure Charges is 4.5% of principal outstanding at the time of foreclosure + GST.
  • Foreclosure Charges within 9 months of loan disbursed date is 6.5% of principal outstanding at the time of foreclosure + GST.

• Loan Against Property:

  • Foreclosure Charges is 4% of principal outstanding + GST.
  • Foreclosure Charges within 12 months of loan disbursed date will attract additional charges.
  • Lock-in period charges (Prevailing ROI x Principal Outstanding as on date of Foreclosure x Balance Lock-in) + Foreclosure charges (4%) + GST.

Our customer care representative at the Branch, Call or Email will assist you for the next steps.

There would be charges applicable as per the details shared on your loan agreements. To know the standard charges, click on the below links for details:

• For Personal loan:  https://www.tatacapital.com/personal-loan/interest-rates-and-charges.html
• For Business loan:  https://www.tatacapital.com/business-loan/interest-rates-and-charges.html
• For Loan against property:  https://www.tatacapital.com/loan-against-property/interest-rates-and-charges.html
• For Auto Loan:    https://www.tatacapital.com/vehicle-loan/used-car-loan/interest-rates-and-charges.html
• For Two Wheeler loan:   https://www.tatacapital.com/vehicle-loan/two-wheeler-loan/interest-rates-and-charges.html

In case you are unable to visit our branch, you can send your representative along with an authority letter duly signed by the loan applicant. The authorised representative visiting the branch needs to carry the below mentioned documents:
 

Self Identification Proof ((Driving License or Passport or Voters card or PAN Card)

Main applicant Identification proof' signed copy (Driving License or Passport or Voters card or PAN Card)

Authorisation letter from main applicant.