Category Charges on Rs. 80,000 loan
Interest Rate % 11.99%* onwards
Default in Interest or Principal payments 3% per month on defaulted amount (Annualized Penal Charge of 36%)
Dishonour of Payment Disbursements or Cheques Rs. 600 for every Cheque/Payment Instrument Dishonour
Mandate Rejection Service Charge Tata Capital charges a nominal amount of Rs. 450 + GST
Processing Fees Up to 5% of the amount + GST
Annual Maintenance Charges

AMC shall be levied at 0.25% of the Dropline Amount or INR 1,000, whichever is higher, and shall be computed on the opening balance in the month in which the charge is to be levied.

For Loans booked prior to or on the 15th of a month:

AMC shall be charged in the 13th month, 25th month, 37th month, 49th month, and every 12 months thereafter during the tenure.

For Loans booked after the 15th of the month:

AMC shall be charged in the 12th month, 24th month, 36th month, 48th month, and every 12 months thereafter during the tenure.

Such AMC shall be collected along with the EPI of the respective month, except for the final EMI month, wherein no AMC shall be levied.
Statement of Accounts You will be charged only if you ask for a hard copy in case of a branch walk-in at Rs. 250 + GST. Downloading a statement of account on the portal is free of cost.
Loan Cancellation Charges 2% of the Loan Amount/ Facility amount OR Rs. 5750/- (whichever is higher)
Payment Instrument Swapping Charges If you want to swap your eMandate or post-dated cheques from another account for EMI repayment purposes, you will be charged Rs. 550 + GST per instance.
Duplicate Repayment Schedule For duplicate statements of the Repayment Schedule, charges are Rs. 550 + GST per instance
Duplicate NOC Rs. 550 along with the GST.