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Personal Loan Hybrid Term Loan

Tata Capital has got your back. Our Personal Loan Hybrid Term Loan allows you to withdraw additional funds as and when you need them. What's more? You only have to pay interest on the amount you actually use. We understand certain emergencies can come unannounced. This is why our Personal Loan Hybrid Term Loan is flexible and offers multiple withdrawals and part-payment facilities at zero extra charges.

Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.

  • Loan amount

    Up to ₹ 35 Lakh*

  • Tenure

    Up to 84 months

  • Interest Rates from

    14.75%* onwards

    View Rates & Charges

    • Advantages of Personal Loan Hybrid Term Loan

    Simple Documentation for Personal Loan Hybrid Term Loan

    The documentation and paperwork for Personal Loan Hybrid Term Loan is minimal which keeps you hassle free.

    Easy re-payment options

    Pay interest only on utilized amount. Part-payment facility available for Personal Loan Hybrid Term Loan without any extra charge.

    Multiple withdrawals via online Transactions and Personal Loan Hybrid Term Loan

    Withdraw and pay back multiple times within the credit sanctioned/available amount with Personal Loan Hybrid Term Loan.

    Moratorium Period

    For loan tenures of 60 & 72 months, moratorium period, i.e., the amount stays fixed for 1 year and for tenure of 84 months, the amount remains fixed for 2 years. 

    Eligibility Criteria for Personal Loan Hybrid Term Loan

    The eligibility criteria for personal loan Hybrid Term Loan are as follows-

    1. The applicant must be between the age of 21 to 58 years

    2. Only Salaried individuals can apply

    3. The applicant must have a credit score of 725 or above

    Personal Loan Hybrid Term Loan Fees and Charges

    Fees and Charges Details
    Interest Rate Tata Capital offers attractive interest rates on Personal Loan Hybrid Term Loan.
    Processing Fees This refers to the fees charged for processing a Personal Loan Hybrid Term Loan application.
    Payment Instrument Swapping Charges This refers to charges levied if the borrower wishes to swap their eMandate or post-dated cheque from another account for EMI repayments.
    Foreclosure Charges This is charged in case the borrower wishes to repay the outstanding Personal Loan Hybrid Term Loan amount in its entirety before the scheduled tenure ends.
    Stamp Duty Charges At actuals (As per applicable laws of the state)
    Cheque Bounce Charges This is charged in case the borrower’s cheque bounces.

    Documents Required For Personal Loan Hybrid Term Loan

    Here is a list of documents you need to apply for a Personal Loan Hybrid Term Loan:

    • Photo Identity Proof: A copy of your Voter ID/Passport/Driving License/Aadhaar Card

    • Address Proof: A copy of your Voter ID/Passport/Driving License/Aadhaar Card

    • Salary Slips: A copy of your salary slips for the last two months

    • Income Proof: A copy of your salary credit or primary bank statements for the last three months

    • Employment Certificate: A certificate stating one year of continuous employment

    How to Apply for Personal Loan Hybrid Term Loan?
     

    You can apply for an Personal Loan Hybrid Term Loan offline or online with Tata Capital. Here are the steps to follow if you want to apply offline:
     

    Step 1: Visit your nearest Tata Capital branch.
     

    Step 2: Complete the application form and attach all documents as directed by our executive.
     

    Step 3: The personal loan Hybrid Term Loan amount will be disbursed as soon as your Personal Loan Hybrid Term Loan application is approved.

    Types of Personal Loan Hybrid Term Loan

    Tata Capital offers Fixed Hybrid Personal Loan Hybrid Term Loan

      Tata Capital offer 2 types of Personal Loan Hybrid Term Loan namely Step Up facility and Dropline facility.

    • In Step Up, the amount would remain fixed for a certain tenure and then convert to dropline for the rest of the tenure basis fixed percentage.

    • For loan tenures of 60 & 72 months, the amount will remain fixed for the first year and dropdown starts after completion of one year.

    • For loan tenure of 84 months, the amount will remain fixed for the first 2 years and dropdown starts after completion of two year.

    • For loan tenures less than 60 months, the dropline starts immediately with no fixed period.

    Features of Personal Loan Hybrid Term Loan

    Credit amounts

    Personal Hybrid Term Loan facility accounts come with predetermined credit amounts that you can avail of. These amounts depend on many factors depending on the individual. For example, the Personal Loan Hybrid Term Loan amount for salaried employees can be based on age, financial health, creditworthiness, etc.

    Easy repayment options

    With Tata Capital’s personal loan with Personal Loan Hybrid Term Loan, you only pay interest on the utilized amount. Plus, we even offer a part-payment facility without any extra charge.

    Convenient tenures

    At Tata Capital, we offer tenures starting from 36 months and going up to 84 months And the period for which your credit amount remains fixed and the Personal Loan Hybrid Term Loan facility period is predetermined.

    Avail of high loan amounts

    A very useful feature of Personal Hybrid Term Loan facility accounts is the ability to receive high funds. This can be useful for many reasons, such as expanding your business or attending to any urgent personal needs. Tata Capital offers loan amounts starting from two lakhs up to Rs. 35 lakhs.

    Multiple withdrawals via online transactions

    Unlike regular loans with a one-time withdrawal option, you can withdraw finances multiple times through the Personal Loan Hybrid Term Loan. Besides, you can pay back the amount multiple times as well.

    Simple documentation

    At Tata Capital, we simplify the paperwork for our Personal Loan Hybrid Term Loan. This makes our application process incredibly hassle-free.

    Excellent customer service

    Along with a simple application process, we ensure quick redressal of any doubts or complaints. You can contact our customer care team for assistance with any issues through our number, 1860 267 6060, or via email at customercare@tatacapital.com.

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    What Our Customers Say About Us

    Shived Saxena

    Personal Loan

    I am satisfied with your services and I recommend my friend, if they need financial help, to go with Tata Capital.

    MANISH KUMAR

    Personal Loan | 19 Jan, 2025

    starstarstarstarstar

    Thanks for the service. It was quick, and I received immediate resolution to my query. Extremely happy with the Tata Capital loan service.

    CHANDRA MOHAN MOHAN BANDLA

    Personal Loan | 18 Jan, 2025

    starstarstarstarstar
    Read All

    Find the Right Loan for You

    Personal Loan Hybrid Term Loan

    Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Hybrid Term Loan with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.

    Avail multiple withdrawals and part-payment facilities without any extra charges.

    Know More
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    Whether it’s a home renovation, wedding or a much-needed trip, let Tata Capital fund your dreams. Ab khud ke sapne pure karo with Tata Capital personal loans! Achieve your financial goals with ease.  

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