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Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 13.50%
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
Apply NowWEDDING LOAN FUNDING UP TO RS. 35 LAKHS
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
Apply NowLOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
Apply NowAVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
Apply NowThinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
Apply NowHOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
Apply NowCUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowNothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
Apply NowWith Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
APPLY NOWMutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreA better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
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At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreTata Capital provides easy Microfinance Loans available at attractive interest rates. Avail a loan up to Rs. 2 lakhs through a simple process with minimal documentation. Get flexible tenures up to 36 months and repay your Microfinance loan EMI as per your convenience.
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Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Loan Against Securities
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
LOAN AGAINST SECURITIES
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
Two Wheeler Loan
Mutual Fund
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
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Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
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The following are the two wheeler loan eligibility criteria for salaried and self-employed individuals –
The applicant’s age must be between 21 to 60 years.
The applicant must have a residential stability for a minimum of one year.
The applicant must have a stable employment status for at least a year.
The applicant must submit the following documents to prove their two wheeler loan eligibility –
Identity Proof documents – Passport/Driving License/PAN Card/Aadhaar Card/Voter’s ID and recent passport-sized photographs
Income Proof documents (if required) – Latest Income Tax Returns (ITR) for self-employed individuals and Last three months’ Salary Slips/Form 16/Last three months’ Bank Statements reflecting salary credits/Salary Certificate for salaried individuals
Last three months’ Bank Statements – mandatory
Residence Ownership Proof – optional
Salaried/ Self employed:
Passport /Pan Card /Driver's License /Voter's ID/Aadhar Card Along with recent passport size photographs
Ration Card/Electricity Bill/ Passport
Salaried - Last 3 month's salary slips/ Form 16/Last 3 month's bank statement reflecting salary credits/Salary Certificate
Self Employed - Latest Income Tax Return (ITR)
Last 3 month's statement is mandatory
Not mandatory
Salaried/ Self employed:
Age - Minimum- 21 Years and Maximum- 60 Years at loan maturity
Loan Amount - Minimum- ₹ 25,000 and Maximum- ₹ 3,00,000
Tenor - Minimum- 12months and Maximum- 36 months
Residential Stability - The residence should be self-owned (parental house is allowed)
Employment Stability - Minimum 2 years
Income - For Salaried- Rs.15,00,000 and For Self Employed- The business income should be Rs.5,00,000
Loan To Value (LTV) - Up to 65%
Passport/Pan Card/Driver's License/Voter's ID along with recent passport size photographs
Passport/Driver's License/Voter's ID/Utility Bill
Last 3 month's salary slips/Form 16/Last 3 month's bank statement reflecting salary credits/3 year's ITR
Last 6 month's statement is mandatory
Mandatory and should be in the name of Applicant/Applicant's Parents/Spouse
The factors affecting your two wheeler loan eligibility are as follows –
CIBIL score – The higher the CIBIL or credit score (750 and above), the higher will be an applicant’s bike loan eligibility.
Outstanding loan – Large outstanding debts will have an adverse impact on loan eligibility. Paying off previous debts is key to high eligibility.
Income – The higher an applicant’s income, the more they will be eligible for a two wheeler loan and vice-versa.
Two wheeler loan eligibility can be improved in the following ways –
Maintaining a high CIBIL score – Timely payments of credit card dues, closing of previous outstanding debts, keeping a balance between secured and unsecured loans, and checking for discrepancies in credit report are imperative to a high CIBIL score of 750 and above, something which lenders prefer.
Choosing a longer repayment tenure – Since a longer tenure gives more time to pay off the standard and super bike loan EMI, it increases loan eligibility. Plus, a longer tenure also reduces the monthly EMI value.
Opting for a joint loan – Having a co-applicant improves bike loan eligibility as incomes of both the applicants are taken into account. Make sure to choose a co-applicant with a good credit score and stable source of income.
Showing additional income sources – Having additional income sources such as mutual fund dividends, rental income from another property, etc. can also improve loan eligibility.
Two wheeler loan interest rate is the rate at which interest is to be charged on a standard or super bike loan principal over a specified tenure. Bike loan interest rate is usually expressed as a percentage.
Calculating monthly EMI value using a bike EMI calculator is fast, easy, safe, and gives accurate results every time. To use the calculator, only three inputs are needed – Principal amount, Rate of Interest, and Loan tenure – and the calculator will automatically show results within seconds.
To get a standard two wheeler loan as a salaried or self-employed individual, you must meet the following two wheeler loan eligibility criteria –
Your age must be between 21 and 60 years.
You must have a residential stability of at least a year.
You must have a stable employment status for at least a year.
Since you will be repaying your two wheeler loan in the form of Equated Monthly Instalments or Flexi EMI option, it is important to have an adequate monthly income that can cover the EMIs as well as your other financial commitments for the month. As such, the higher your monthly income, the higher will be your two wheeler loan eligibility and vice-versa. Meaning, with a high monthly income, you will be eligible to borrow a higher loan amount and counter-wise.
The following are the documents required for a two wheeler loan –
ID Proof documents – PAN Card/Driver’s License/Passport/Aadhaar Card/Voter’s ID and two passport-sized photographs
Address Proof documents – Electricity Bill/Ration Card/Passport
Bank Statements for the last three months (mandatory)
The following factors affect two wheeler loan eligibility –
CIBIL or Credit Score – A high CIBIL score, preferably 750 or above, will present you as a low-risk borrower and increase your bike loan eligibility whereas lenders may charge high two wheeler loan interest rates or altogether reject your loan application if your CIBIL score is poor.
Income – The higher the income, the more you will be eligible to borrow a higher amount and your two wheeler loan eligibility steadily falls with a fall in income.<