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Loan Up to Rs. 1.5 Lakh* | Tenure Up to 36 Months | Minimal Documentation | Flexible Repayment
There may be situations where you need to avail of funds quickly. Instead of dipping into your savings or depending on others, you can avail of a small loan to fund these needs conveniently. It is a quick and hassle-free loan that you can utilize for a variety of purposes. From paying medical bills to funding an international trip, Tata Capital's multipurpose small loans are tailor-made to meet your short-term needs.
Enjoy simple eligibility criteria and flexible repayment structures with Tata Capital's small loans. But that's not all. Our loans also come with minimal documentation and the best interest rates in the industry.
What’s more? You can apply for a Small Loan online from the comfort of your home. We especially customize our small-ticket loans for salaried individuals across different salary brackets. With a quick and easy application process, they are best for all your big-ticket expenses.
Tata Capital offers small personal loans online ranging from Rs. 40,000 up to Rs 1.5 lakhs. Our application process requires minimal paperwork and easy eligibility criteria. If you apply for a small loan with Tata Capital, you don't even need to pledge any collateral.
So, what are you waiting for? Apply for a small loan today either online or by sending a request via WhatsApp.
Here are some of the features and benefits of taking a Small Loan online with Tata Capital:
One of the most significant features of small loans is that you don't need to pledge any collateral before opting for one. So, we don't require any guarantees or a mortgaged property to approve your desired small amount loan.
Because we assure 100% transparency in all our instant small loan dealings, we will let you know of any charges, such as processing fees, before you sign on with us. Anyway, our nominal processing fee of only 2% will not feel like much when you apply for an instant small loan with us.
We don't take longer than a few minutes to verify and take action based on the documents you provide. Therefore, our small personal credit online approval process is indeed quick and at affordable personal loan interest rates.
What's the point of getting an instant loan approved on paper but having to wait for days before the funds show up in your account? When you apply for a small personal loan online with Tata Capital, you don’t wait a minute longer than necessary, as we disburse the funds as soon as your small amount loan is approved.
Tata Capital provides a small personal loan for amounts ranging between Rs. 40,000 and Rs. 1.5 lakhs, which is sufficient for a number of big-ticket purchases.
No one wants to worry about submitting hefty paperwork. And, at Tata Capital, we only ask for what’s necessary. Apply for a small finance loan for personal use by submitting minimal documentation.
Worried that your monthly EMIs may become unmanageable. Fret not! With Tata Capital's small amount personal loan, you can go for a monthly standard EMI where principal and interest both will be deducted.
If somewhere down the line, you want to pay off your loan before the fixed tenure, you can. Tata Capital offers a loan pre-closure option at a nominal fee that’s just 4.5% of the outstanding loan amount.
Pay your EMIs at your chosen pace as Tata Capital offers an extended tenure duration between 18 to 36 months.
Institutions like Tata Capital have specially designed this loan for individuals with a small salary or business expenses, as they may face difficulty approving finance of a large amount. Also, repaying this loan is not as challenging because the total amount borrowed is not too much, and you don't pledge any guarantee. So, apply for small loans through our website or via Whatsapp for a seamless and no-strings attached spending experience.
Availability of Small Personal Loans for salaried individuals depends on job stability, income, age, work experience, and CIBIL score
For starters, if you think that small loans from Tata Capital require you to have an excellent credit score, it's not true. Since this loan is customised for low-salaried individuals and new business owners, you can apply for one with limited or low credit history and have real chances of approval.
This relaxation on credit score often comes as a substantial relief for potential borrowers of small instant loans.
Other than this, you must fulfil the following personal loan eligibility criteria to get an instant small loan online from Tata Capitals:
Apply for a small loan at Tata Capital if you fulfil these eligibility criteria. We extend instant loans to salaried professionals, housewives, pensioners, self-employed professionals, and more. So, if you have urgent financial needs to meet, get in touch today!
Whether it is a medical emergency, paying for your children’s education, or funding a personal expense, Tata Capital offers a speedy application process with minimal paperwork requirements. The following documents are required to apply for a small personal loan-
1. Photo ID proof- A copy of your Aadhaar card/ Voter ID card/ Passport/ Driving License
2. Address Proof
3. A copy of your salary slips for the last two months
4. A copy of your bank statements or salary credits for the last 3 months
5. A certificate stating one year of continuous employment
Here are the fees and charges associated with small personal loans:
| Fees and Charges | Details |
|---|---|
| Interest Rate | Tata Capital offers attractive interest rates on small personal loans. |
| Processing Fees | This refers to the fees charged for processing a loan application. |
| Prepayment Charges | This is charged in case the borrower wishes to repay the loan before the agreed upon maturity date. |
| Foreclosure Charges | This is charged in case the borrower wishes to repay the outstanding loan amount in its entirety before the scheduled tenure ends. |
| Stamp Duty | This charge depends on the state in which you’re applying for a loan. |
| Cheque Bounce Charges | This is charged in case the borrower’s cheque bounces. |
| EMI Bounce Charges | This is charged if the borrower misses an EMI payment. |
Whether it is a medical emergency, paying for your children’s education, or funding a personal expense, Tata Capital offers a speedy application process with minimal paperwork requirements. As a salaried employee, you can apply for a small loan offline by following the steps below:
Step 1: Visit your nearest Tata Capital branch. Make sure to carry all necessary documents, including:
Photo ID proof- A copy of your Aadhaar card/ Voter ID card/ Passport/ Driving License
Address Proof
A copy of your salary slips for the last two months
A copy of your bank statements or salary credits for the last six months
A certificate stating one year of continuous employment
Step 2: Complete the application form and attach all documents as directed by our executive.
Step 3: The loan amount will be disbursed as soon as your small personal loan application is approved.
Personal Loan | 23 Feb, 2025
Personal Loan | 13 Feb, 2025
Personal Loan | 12 Feb, 2025
Last updated on: 03 Apr, 2025
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