Personal loan starting
@ 11.99% p.a
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Personal loan for all your needs
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@ 8.75% p.a
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| Customer Profile | Loan Slab | Interest Rate%* |
|---|---|---|
| Salaried | Any amount | 14.75%* onwards |
Getting a low interest personal loan is preferable for reducing your interest outgo and overall costs. Availability of loans can depend on numerous factors; make sure to consider them before applying.
The processing fee is a non-refundable fee levied by lenders while processing your personal loan application. You are charged this one-time fee even if the loan does not get sanctioned. At Tata Capital, you are charged up to 4% of the loan amount + GST.
3% per month on overdue amount + applicable taxes.
These are those charges that are levied in case of an EMI Dishonour Charges per instance. In other words, these charges are levied when you miss a personal loan EMI payment due to inadequate funds in your bank account. At Tata Capital, you’ll be required to pay Rs. 600 for every Cheque/Payment Instrument Dishonour.
Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Borrower’s bank for any reason whatsoever. Tata Capital charges a nominal amount of Rs. 450 + GST.
Personal Loan Hybrid Term Loan Annual maintenance charges are the charges levied on those who have chosen a flexible funding option such as Personal Loan Hybrid Term Loan. It is charged for the maintenance of the amount. At Tata Capital, 0.25% of reduced assigned amount OR Rs.1000/- (whichever is higher) shall be payable at the end of the 13th month.
Lenders charge a certain amount to issue your Statement of Account - a statement having a list of all transactions made in your loan account during a given period. At Tata Capital, you will be charged only if you ask for a hard copy in case of branch walk-in at Rs. 250 + GST. Downloading a statement of account on the portal is free of cost.
If you wish to cancel your personal loan immediately following the process of loan disbursement, then you are charged a loan cancellation charge. Tata Capital levies 2% of the Loan Amount/ Facility amount OR Rs. 5750/- (whichever is higher)
If you wish to exchange or swap your eMandate or post-dated cheques from another account for EMI repayment purpose you will be charged Rs. 550 + GST per instance.
Tata Capital will share a welcome letter with Repayment Schedule post availing of Personal Loan. In case you need a duplicate statement of the Repayment Schedule you will be charged Rs. 550 + GST per instance.
If you need to apply for a duplicate No Objection Certificate (NOC) due to any reason, Tata Capital will issue a new one in your name for a charge of Rs. 550 along with the GST charge.
Third party / other financiers cheque / payment instruments are not allowed for part-payment
A part prepayment charge of 4.5% shall be applicable on the part prepayment amount.
A part prepayment charge of 6.5% shall be applicable on the part prepayment amount during the lock-in period
Lock-in Period: 12 months from the date of first disbursement.
4.5% on the Dropped down amount.
Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over and above the prepayment/foreclosure charges mentioned above on the Dropped down amount.
Soft Copy – Nil
Branch Walk-In – Rs. 199 + GST
Note: GST, other government taxes and levies as applicable, will be payable on all fees and charges.
Personal Loan | 19 Jan, 2025
Personal Loan | 18 Jan, 2025
Personal Loan | 17 Jan, 2025
Last updated on: 13 Mar, 2025
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