A Personal Loan helps you address various personal finance needs conveniently. Major expenses often come up without warning, so don’t let them drain all your savings. Here are some common scenarios where you can take Personal Loans:
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Personal loan for all your needs
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Avail Loan Against Securities up to ₹40 crores
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- Zero foreclosure charges
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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Avail Loan Against Property up to ₹ 10 Crores
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Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.
Instant Personal Loan by Tata Capital
A Personal Loan is an unsecured loan option that you can avail for various purposes without pledging any collateral. Whether you want to finance a medical emergency, take a much-needed family vacation, there is a marriage at home or give your home a long-awaited makeover, it allows you to tackle your urgent financial needs with utmost ease. Looking for an instant way to fund your larger expenses? Get an instant personal loan online!
Get affordable and unsecured personal finance of up to Rs. 35 lakhs at attractive personal loan interest rates. The best part? We have made the loan process extremely convenient for you with our digital application process and easy-to-meet eligibility criteria.
Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan amount offered
₹40,000 - ₹35,00,000
Loan tenure
Upto 6 Years
Interest rate starting @
11.99% p.a
Steps to Apply for Instant Personal loan under 5 minutes
Wondering how to get instant personal loan for your financial needs? Just follow these simple steps-
There you go! Simple , isn't it?
Key Features of Personal Loan
Personal Loan Interest Rates & Charges
Interest rates can vary for different borrowers depending on key eligibility factors like monthly income, CIBIL score, loan amount, loan tenure, repayment capacity, employment nature, debt-to-income ratio, financial history, and more. So, the lower the personal loan interest rate, the lower the EMI you need to pay, and the more convenient your loan repayment becomes.
Personal Loan Documents Required for Instant Approval
We bring you a range of tailored personal loan options with simple eligibility criteria and minimal documentation. All you need to do is provide the required documents completely the first time, which includes your KYC documents, proof of employment and income proofs.
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Types of Personal Loan
Loans should be instant, and the best deals too.
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Instant & paperless Personal Loan of upto ₹1,00,000
- Starting at 10.99% interest rate
- Processing Fee - 5.5% + GST
Eligibility Criteria for Personal Loan Online
Applicant’s personal loan eligibility criteria depends on various factors, including fixed monthly income, age, nature of employment, credit bureau score, professional experience, etc. For a quick Personal Loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria.
The Personal Loan eligibility for Salaried individuals:
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Age should be between
21 to 58 years
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Minimum monthly income
should be ₹ 15,000
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Minimum of one year of
work experience
How to apply for a Personal Loan?
What are the Personal Loan EMI options available?
The standard EMI option under Personal Loan is one in which you get the freedom to pay off your principal loan amount inclusive of interest consistently on a monthly basis using an EMI (Equated Monthly Instalment). Here, the interest is charged on the total principal amount that was borrowed on a reducing basis.
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FAQs on Personal Loan
A Personal loan is an attractive loan option that you can avail for various purposes without pledging any collateral. It allows you to tackle your urgent financial needs with utmost ease.
The interest rates on a personal loan can typically vary anywhere between 10.99% and 35% p.a. based on the eligibility calculation and how you fulfil the personal loan eligibility requirements of the financial institution.
Up to 5.5% of the loan amount + GST
You can avail a loan for minimum 12 months and up to 72 months
Personal Loan EMI or Equal Monthly Instalment is the amount that you need to pay every month for repaying your principal loan amount at the applicable rate of interest over the chosen loan tenure. Besides, we offer a flexible personal loan tenure of up to 6 years, making your loan repayment much more affordable. Use the personal loan EMI calculator to know how much money you can pay monthly over a period that’s comfortable for you. With the help of our Personal Loan EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.
Minimum monthly income should be ₹ 15,000
Foreclosure charges are as follows: 1. Lock-in Period: 12 months from the date of first disbursement. 2. 4.5% of the principal outstanding at the time of foreclosure. 3. 2% extra of the principal outstanding to be levied if closed within lock-in period
Rs. 35,00,000
In case of a Personal Loan, where the amount is approved and advanced without collateral, your CIBIL score becomes a critical eligibility criterion. Typically, a CIBIL score above the 700 mark is considered good and attracts easy approval.
Our Personal Loan Application Process is entirely online and requires minimal paperwork. Apply now with few easy steps.
Tata Capital allows you to prepay your personal finance with certain conditions.
#1. Part Prepayment is allowed once a year; the minimum gap between two-part prepayments is six months.
#2. A maximum of 50% of the principal outstanding is allowed through part prepayment during a single year.
#3. No part payment is allowed during the first 12 months (Lock-in period).
#4. The minimum part-payment amount must be greater than or equal to two months' EMI
When it comes to prepayment charges, Tata Capital allows you to part prepay up to 25% of the principal outstanding (after the 12 months lock-in period) without any penalty or additional fee. However, part prepayment amount of over and above 25% will attract prepayment charges as applicable.
You can apply for a personal loan online through our simple application process. By submitting minimal documentation, selecting the desired loan amount and tenure you can proceed with your requirement. Post these steps, the loan amount will be disbursed basis your eligibility.
Repaying a personal loan efficiently is crucial for financial stability and a good credit score. Common methods include:
EMI (Equated Monthly Installments): Fixed monthly payments via automatic debit.
Online Banking: Conveniently schedule and manage payments online.
Tata Capital Apps: Manage payments and view loan details on the go via the Tata Capital App.
Cheque Payments: Issue post-dated cheques for EMI amounts.
Loan Prepayment: Pay off part of your loan early to reduce interest.
Choose the method that suits your needs for timely repayments and financial management.
Find the right Loan for you
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