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Tata Capital Personal Loan, Interest rates from 10.99%

Contact Tata Capital for all your urgent financial commitments. Get a personal loan upto Rs. 35 Lakhs. Interest rates from 10.99%. Know more!


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Tata Capital Personal Loan

Tata Capital offers personal loan for salaried employees at a lower interest rate of 10.99%. Tata capital disburses loans from Rs. 40000 to Rs. 35 Lakhs at attractive interest rates. Get your personal loan easily in four simple steps with their complete digital loan process.

Features of Tata Capital Personal Loan

Multipurpose Personal Loan

Whether it is planning a wedding or going on a vacation or renovating home, you can avail personal loan for a variety of purposes

No Collateral/Security

No collateral or security required for personal loan. Tata Capital sanctions personal loan based on your repaying ability

Overdraft Facility

Need extra money? Tata capital offers overdraft facility option wherein the interest is charged only on the amount taken

Pre-payment charges

You can pay upto 25% of the outstanding loan amount anytime after the tenure of 12 months without having to pay prepayment fee

Faster Loan process

The process of applying for a personal loan is completely digital at Tata Capital. Therefore, the processing of personal loan is much faster

Flexible tenure

Pay off your personal loan in the term of your choice. Loan tenure upto 6 years is allowed. Personalized offers provided


Eligibility criteria for Personal Loan at Tata Capital

  • Age between 22-58
  • Monthly Income of Rs. 20000 atleast
  • Minimum one year of experience
  • Credit score of 700 and above
  • The tenure of stay at present residence

Charges in Tata Capital personal loan

Loan Processing ChargesUpto 3% of Loan amount + taxes
Penal Interest3% of the loan amount
Prepayment charges 3% of the outstanding (Plus applicable tax)
Loan cancellation charges2% or Rs. 5750 (whichever is higher
Bounce chargesRs. 600 for every dishonour
Foreclosure charges4.5% of the principal outstanding at the time of foreclosure
Loan Tenure12 months – 60 months
Duplicate No Due CertificateRs. 550 + taxes
Statement of accountRs. 250 + taxes

Documents required for Tata Capital Personal Loan

  • Application form with recent Photograph
  • Proof of Identity and Proof of Residence: Self-attested Physical Photocopy or Digitally procured copy of Driving License, Passport, Voter’s ID and Aadhar Card (any one of the OVDs).
  • PAN No. and Self-attested copy of the PAN Card
  • Income Proof Documents: Salary Slips for the last 2 months
  • Bank Statement: Latest 3 months’ Salary Credit Bank Statement

How to Apply for a Tata Capital Personal Loan?

  • Visit https://www.fincover.com/banking/loan/personal/ and select Tata Capital
  • Enter all the required information as requested and Submit your personal loan application
  • Check if your personal loan is approved with the reference no provided
  • If approved and verified, the loan will disbursed in few days
Personal Loans by Bank
Minimum salary requirement for personal loan approval is Rs. 15000
You can apply for a personal loan at Tata Capital through our Fincover portal or contact them directly at 1860 267 6060 (Monday to Saturday- 9am to 8pm)
A processing fee of 3% will be charged on a Tata Capital Personal Loan in addition to the documentation charges
You can negotiate your personal loan’s interest rate with these factors,

Credit score – A higher credit score of 750+ will automatically get you a good interest rates
Repayment History – If you have a good repayment history, lenders would be willing to negotiate you with regards to reducing the interest rate
Relationship with the lender – Your relationship with the lender plays a vital role in them offering at a lower interest rate
Can I convert my floating interest rate to a fixed interest rate?
You can convert your loan from floating interest to fixed interest rate by paying a small conversion fee