Tata Capital Personal Loan

Tata Capital Personal Loan – At a Glance

Key Features of Tata Capital Personal Loan

Multipurpose Personal Loan

Use the funds for any personal requirement—be it a wedding, home renovation, travel, education, medical emergency, or debt consolidation. Tata Capital’s personal loan offers complete financial flexibility without usage restrictions.

No Collateral or Security Required

Enjoy the benefit of an unsecured loan with no need to pledge property, gold, or other assets. Your loan approval is based on eligibility, income, and credit score—making the process faster and stress-free.

Hybrid Term Loan Option

Choose Tata Capital’s Hybrid Term Loan feature to enjoy lower EMIs during the initial months of repayment. This helps you manage cash flow better while you adjust your finances post-loan disbursement.

Zero Charges on Part Pre-Payment

Tata Capital Personal Loan Interest Rates 2025

Tata Capital offers personal loans starting at an attractive 11.50% p.a., making it a competitive choice for quick and flexible financing.

Tata Capital Personal Loan Eligibility Criteria

• Age: Applicants must be between 21 and 58 years.
• Income: The applicant must have a minimum monthly income of ₹15,000.
• Work Experience: At least 1 year of continuous employment.
• Credit Score: A credit score of 700 or above is considered good and increases the chances of quick approval.

Essential Documents for Tata Capital Personal Loan Application

The following are some prerequisite documents for taking the Tata Capital Personal Loan. They are:

• Photo Identity Card: A copy of the Aadhar Card, Voters ID card, Passport, or Driving License.
• Address Proof: A copy of the Voters ID card, Passport, Driving License, or Aadhar Card.
• Salary Slips: Copies of the previous two months' salary slips.
• Bank Statements: Previous Three months' bank statements.
• Employee Certificate: A certificate confirming at least one year of continuous employment.

Different Personal Loan Options from Tata Capital

The following are the various types of Tata Capital Personal Loans. They are:

Personal Loan Hybrid Term Loan

A Personal Loan Hybrid Term Loan from Tata Capital is designed for those who want flexibility in repayment while enjoying the benefits of a lump-sum loan amount. Whether you’re managing big-ticket expenses or multiple financial needs, this option gives you both breathing space and control over your EMIs.

Key Features

• High Loan Amount: Get up to ₹35 Lakh* based on your eligibility.
• Flexible Tenure: Repay comfortably over a period of up to 84 months.
• Attractive Interest Rates: Starting from 14.50%* p.a., making your EMIs affordable.
• Hybrid Repayment Structure: Pay only the interest component initially and start paying both interest + principal later, easing the first few months of repayment.
• Only for salaried individuals with a steady income
• Credit score of 725+ required for eligibility

Personal Loan for Wedding

Plan your dream wedding without financial worries. Get ₹40,000 to ₹35,00,000 with a flexible tenure of up to 6 yearsand interest rates starting from 11.50% p.a.. Enjoy quick approvals, minimal paperwork, and no collateral – making your elebrations stress-free..

Personal Loan for Medical Emergency

In a medical emergency, quick access to funds can make all the difference. Tata Capital’s Personal Loan for Medical Emergency offers immediate financial support so you can focus on recovery, not expenses.

Borrow between ₹40,000 and ₹35,00,000 with a flexible tenure of up to 6 years, giving you enough time to repay at your convenience. Wth interest rates starting from 11.50% p.a., you get affordable EMIs, fast approvals, and minimal documentation ensuring help is available exactly when you need it most.

Personal Loan for Travel

Turn your dream vacation into reality with Tata Capital’s Travel Loan, designed to make every journey hassle-free. Whether it’s a solo adventure, a family holiday, or an international getaway, you can fund all your travel expenses without dipping into your savings.

Get a loan ranging from ₹40,000 to ₹35,00,000 with a flexible repayment tenure of up to 6 years. Enjoy competitive interest ates starting at 11.50% p.a., along with quick approvals and minimal documentation, so your travel plans never have to wait.

Personal Loan for Home Renovation

Give your home the upgrade it deserves with Tata Capital’s Personal Loan for Home Renovation. Whether you’re planning a complete makeover, adding new furniture, upgrading your kitchen, or repairing worn-out spaces, this loan helps you transform your house without straining your savings.

Borrow between ₹40,000 and ₹35,00,000 with a comfortable repayment tenure of up to 6 years. Benefit from competitive interes rates starting at 11.50% p.a., fast loan approvals, and simple documentation – ensuring your renovation work begins without elay.

Personal Loan for Government Employees

These loans are collateral-free loans. It can be used by individuals working in central, state, or public sector undertakings. Some of the main criteria that would be investigated for this kind of loan are:

• A healthy credit history with a high credit score determines your creditworthiness and repayment capabilities.
• Loan Amounts starting from Rs.40,000 to Rs. 35,00,000
• The rate of Interest starts from 11.50 % p.a.
• Loan Tenure : Up to 6 Years
• Age needs to be between 21 to 58 years old
• A minimum monthly income of Rs.20,000 is a pre-requisite to avail of the loan.
• You need to have a minimum experience of 1 year.
• The debt-to-income ratio needs to be as low as possible to avail of the loan.
• No pre-payment charges are available for the loan.
• With competitive interest rates, a credit score above 750 will get a higher loan amount.

Personal Loan for Salaried Employees

When taking a personal loan, a salaried employee should clearly understand the interest rates and the associated charges that come with it. Interest rates are crucial in determining the loan's overall cost. Late payment penalties can add to your woes. Some of the main criteria that would be looked into for this kind of loan are:

• Personal Loans for Up to Rs.35,00,000
• The rate of Interest is charged @11.50%p.a to 29.99%p.a
• Processing Fees: Up to 3.5% of the loan amount + GST
• The tenure of the loan ranges from 6 years.
• Instant Personal Loans for Salaried Employees Up to Rs.15,000
• Salaried employees, even those with low credit scores, can apply for this personal loan. The only requirement is that they have a C-applicant with a good credit score.
• In addition to the interest rate, borrowers should be aware of the Processing fee. If you decide to repay the loan before the end of the tenure, you may also be charged a pre-payment or foreclosure charge. These fees can be a percentage of the outstanding loan amount.

Personal Loan for Women

Women can make their short-term and long-term goals come true with the help of Personal Loans. You can make your dream come true with Tata Capital's instant personal loan for Working Women. Some of the essential pointers that need to be kept in mind for the loan include

• Loan Amount: Rs.40,000 to Rs.35,00,000
• Monthly Income: Starting from Rs.15,000 per month.
• Age: Between 21 Years to 58 Years
• Rate of Interest: 11.50% onwards
• Loan Tenure: Up to 6 Years
• Processing Charges: Up to 3.5% of the Loan Amount + GST
• of one year of work experience
• Loan Cancellation Charges: 2% of the loan amount
• Defaulter's Charges: 3% per month of the overdue amount

Tata Capital Personal Loan Fees and Charges

Tata Capital offers personal loans with transparent pricing and minimal hidden costs. Here’s a quick look at the key charges:

Tata Capital Personal Loan – Repayment Options

Tata Capital offers flexible and hassle-free repayment methods so you can manage your EMIs with ease:

Pay Online

Make your EMI payments instantly through Tata Capital’s secure website or mobile app. Enjoy the convenience of 24/7 access and complete your transactions from anywhere without visiting a branch.

Drop a Cheque

Prefer offline payments? Simply visit your nearest Tata Capital branch and drop a cheque at your convenience. This option ensures flexibility for those who like traditional repayment methods.

With multiple repayment choices, Tata Capital ensures your loan repayment process is smooth, secure, and suited to your lifestyle.

How to Apply for Tata Capital Personal Loan

1. Applying Online

The online method is ideal if you want a fast, hassle-free application without visiting a branch.

Steps to Apply Online:

• Visit the Official Website – Go to the Tata Capital Personal Loan page and select ‘Apply Now’.
• Fill Out the Application Form – Enter your personal, employment, and income details.
• Upload Required Documents – Submit scanned copies of ID proof, address proof, and income proof.
• Choose Loan Amount & Tenure – Select the amount you wish to borrow and your preferred repayment period.
• E-Verification – Complete digital verification using Aadhaar-linked mobile or other e-KYC methods.
• Approval & Disbursal – Once approved, the loan amount is credited to your bank account, often within 24–48 hours.

2. Applying Offline

If you prefer in-person assistance or want to discuss loan details directly, you can apply offline.

Steps to Apply Offline:

• Visit the Nearest Tata Capital Branch – Locate a branch through the official website or customer care.
• Meet a Loan Officer – Share your loan requirements and get guidance on eligibility.
• Fill Out the Physical Application Form – Provide accurate details to avoid delays.
• Submit Hard Copies of Documents – Include ID proof, address proof, income proof, and passport-size photographs.
• Verification & Approval – The bank will verify your details and inform you about loan approval.
• Loan Disbursal – Upon approval, the loan amount is credited to your account.

Tips to Get Quick Approval for Tata Capital Personal Loan

Here are some smart tips to speed up your approval process:

1. Maintain a High CIBIL Score

A CIBIL score of 750 or above signals that you are a responsible borrower. Lenders view high scores as low-risk, which can lead to faster approvals and even better interest rates.

2. Apply Within Your Eligibility Limit

Requesting a loan amount higher than your repayment capacity can cause delays or rejection. Use Tata Capital’s eligibility calculator to know the ideal loan amount you qualify for before applying.

3. Keep All Documents Ready

Having your KYC, income proof, bank statements, and employment details ready in soft copies ensures there are no delays in verification.

4. Opt for the Online Application Process

Applying online through Tata Capital’s website or mobile app often results in quicker processing compared to offline applications.

5. Show Stable Employment & Income

Lenders prefer applicants with steady income and job stability. If you’ve been with your current employer for at least 12 months, your chances of quick approval increase.

6. Avoid Multiple Loan Applications at Once

Applying for loans with multiple lenders in a short period can lower your CIBIL score and delay approval. Focus on one well-prepared application for the fastest response.

Tata Capital Personal Loan Customer Care Number

For any queries or assistance regarding your Tata Capital personal loan, you can contact the customer care team at 1860 267 6060. The helpline is available Monday to Saturday, from 9:00 AM to 8:00 PM (closed on Sundays and public holidays).

Frequently Asked questions