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Tata Capital Personal Loan

Be it a loan for a holiday abroad, your child’s education loan, a loan for home renovation, a loan for a marriage or wedding in the family, repayment of an existing loan, an emergency or even buying that precious gift for your loved one, with Tata Capital’s easy Personal Loans, you don't have to worry about financing your dreams and responsibilities.


Flexi EMI Personal Loans

• Our Flexi EMIs with Higher eligibility makes your dream come true. Choose from multiple repayment options like Step Up, Step Down and Bullet repayment.
• Get instant conditional approvals of up to Rs. 25 lacs on your personal loan through our online platform.
• With minimum documentation get a conditional online approval for our Personal Loan. Our executives will visit your residence and complete the KYC and documents process.
• To obtain the Personal Loan, there is absolutely no need to provide any security.

Fulfil your dreams today
• When it comes to fulfilling dreams that are close to your heart, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Personal Loan with Tata Capital, you have the freedom to repay your way.

Eligibility Criteria for Personal Loan

• Any self-employed professional/individual between the age group 25-65 years can get a personal loan. A minimum income of Rs. 2,00,000 is required to avail a personal loan. We now offer personal loans till amounts as high as Rs. 15,00,000 with a loan tenure of up to 4 years. A salaried individual between the age group 21-58 can get a personal loan by showing a minimum income of Rs. 20,000 per month. The maximum personal loan amount for salaried individuals is also Rs. 25,00,000 but the loan tenure can extend up to 5 years.

How to Repay
• You can repay your personal loan through an electronic clearance system by asking your banker to deduct the EMI from your nominated bank account. You can also use post-dated cheques favouring Tata Capital Financial Services Limited to repay your personal loan.

How to Pre Pay
You can prepay the entire loan outstanding anytime after 180 days of availing the same.
We also now offer part pre-payment facility without any additional charges.
• Part payment is only permissible after 6 months of loan disbursal without any fee
• Maximum of 25% part payment is permissible within a year of taking the loan at zero charges
• However for greater than 25% part payment, a 2% closure charge + applicable taxes would be applicable on the extra amount

How to Apply
Now for salaried customers, we bring to you an Instant Online Personal Loan experience. All you need to do is share your basic information like your Income details and Employment Details, and we will conditionally approve your personal loan online.



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