Tata Capital Tata

TATA


  • Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India. Tata Capital provides Loans with the help of CreditNation Portal.
  • A trusted & customer-centric, financial services provider, TCFSL fulfils the diverse needs of corporate, retail and institutional customers, across various areas of business namely the Commercial Finance, Wealth Management, Consumer Loans, Infrastructure Finance and distribution and marketing of Tata Cards.
    TCFSL gives the best offers to all the customers of CreditNation.

Personal Loans


Be it any financial hurdle, a marriage in the family, your child’s education, full family vacation, home renovation, medical emergency or repayment of an old debt, Tata Capital’s easy Personal loans take care of everything for you so you don’t have to worry for money every single time you are planning something for your family.

Flexi EMI Personal Loans

We believe in making our customers’ dream come true. With our multiple payment methods such as Flexi EMI, Step Up, Step Down and Bullet repayment, customers can choose the option that best fits them.

Instant Online Approvals

Through our online platform, we allow our customers to get instant conditional approval of up to ₹25lacs.

Minimum Documentation and Verification

Keeping the convenience of our customers in mind, we have designed a process that allows minimal documentation. Now get conditional online approval for personal Loan and our executive will visit your residence to complete the KYC and documentation process.

Security or Guarantors not required

There is absolutely no need to provide any security or guarantors.

Flexi EMI Personal Loans

Want to fulfil your dreams with a personal loan?

No matter what you want the loan for, having multiple repayment options make it easy to borrow and repay.

When you take a Flexi EMI Personal loan, you have the convenience of repaying as you like.

Multiple payment options

  • Step Up Flexi EMI Plan: This plan is best suitable for people who see a healthy annual growth in their income. They can choose to increase their EMIs yearly to easily repay the loan.
  • Step Down Flexi EMI plan: This plan is the opposite of Step Up EMI Plan. In this repayment plan, you can choose to start up with a high EMI and lower it year after year. This plan is suitable for people who have a high monthly disposable income or who are planning to retire and want to build their asset quickly.
  • Bullet Flexi EMI Plan: This plan allows you to repay your loan in parts at periodic intervals. This will help you lower your EMI considerably. Moreover, no charges are levied on prepayments.

How to apply?

Our Application process is fairly easy and quick. If you are a salaried person, all you need to do is share your basic information like income and employment details to get instant conditional approval on loan.

What’s the eligibility criteria for Personal Loan?

For Self-employed professional/individual

  • Age Limit: 25-65 years
  • Min. income: ₹2,00,000
  • Max. loan amount: ₹15,00,000 for up to 4 years

For Salaried employee

  • Age Limit: 21-65 years
  • Min. Income: ₹20,000 p.m.
  • Max. Loan Amount: ₹25,00,000 for up to 5 years

Benefits of taking loan from Tata Capital

  • No Collateral or security
  • Can be used for any personal activity
  • Minimal Paperwork

How to repay

There are many repayment options available. You can repay your loan through an electronic system by having it deducted from your bank account directly or using post-dated cheques favouring Tata Capital Financial Services Limited.

Prepayment options are also available

After availing the loan for more than 180 days, you can anytime prepay the entire loan outstanding.

Home Loans

Buy your dream home today with best loan offers at CreditNation. Pay as your grow with our Flexi EMIs

  • When it comes to buy your dream home, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Home Loan** through CreditNation, you have the freedom to repay your way.
Attractive interest rates
  • Competitive interest rates on home loans by CreditNation for you so that you can buy your dream home with lowest possible EMI
Flexi EMIs with Higher Home Loan Eligibility
  • Our Flexi EMIs with Higher eligibility make your dream of buying a home that meets your current and future needs come true. Choose from options like Step Up and Bullet repayment.
Faster processing & doorstep service
  • Get a conditional online approval with minimum documentation for your Home Loan. Our executives will come to your residence or office and complete the KYC & other documentation process


Multiple repayment options on your Home Loan

  • Step Up Flexi EMI plan
  • This plan allows you to increase your fixed monthly EMIs every year to match the increase in your annual income. This gradual annual increase helps you repay your home loan without taxing you financially.
  • Is it ideal for me?
  • If your EMIs are burning a hole in your pocket, this plan will give you much-needed relief. It gives you the freedom to increase your EMI along with your yearly pay hike

    Suitable For:
  • Customers who want a bit more cash in their pockets each month as the monthly payments tend to be lower
  • Customers who foresee a healthy growth in their annual income


  • Features of Tata Capital Home Loans
  • While structuring home your loan, we take into account your payments, repayments and income streams to arrive at the option that best suits your needs.
  • You can use the home loan
  • to buy a plot of land for construction
  • to build a house on already owned land,
  • buy a new house/flat,
  • to improve/extend your home,
  • to purchase resale property or
  • to pay off an existing home loan from another financial institution.

  • Tata Capital allows you to take a home loan with a co-applicant. The co-applicant to take the home loan can be any family member like your spouse/parents/children/ siblings. Taking a home loan with a co-applicant is beneficial as his/her income will also be considered which will help to enhance your home loan eligibility.

  • Home Loan Interest Rate & Tenure

  • Tata Capital brings to you Home Loans at attractive floating interest rates, starting at 9.80%* on online applications and for home loans of upto Rs.25 lakhs. You can avail home loans starting from Rs. 2 lakhs to Rs. 3 crores for residential properties. What’s more, we also offer loan tenure ranging from 12 months to 360 months. Choose from our array of attractive options, based on your specific needs.

  • No foreclosure charges are applicable where the loan is floating interest rate basis and sanctioned to individual borrowers, and where the housing loan is on fixed interest rate basis and pre-closed out of the customers own sources. If the home loan has a fixed interest rate and is pre-closed other than own sources 2% plus taxes will be charged on the principal outstanding and all part payments.

Disclaimer

  • *9.80% rate of interest is applicable only under Rural Housing Finance and with a loan amount up to INR 15 lakhs. **Applicable for salaried individuals only. Home Loans are originated and serviced by Tata Capital Housing Finance Limited and are at its sole discretion. Terms and conditions apply.

Tata Capital Housing Finance Ltd – PLR

Effective From TCHFL PLR #
1st May '15. 16.65%
10th Dec '13. 16.75%
1st Sep '13. 16.65%
1st Mar '13. 16.4%
1st Oct '11. 16.5%
1st Jul '11. 16.0%
1st Apr '11. 15.5%
20th Dec '10. 14.75%
15th Nov '10. 14.25%
1st Jan '09. 13.75%
# includes all forms of mortgage loans booked under Tata Capital Housing Finance Ltd


  • Important Information
  • Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance. Customers are requested to read the attached advisory and be aware of misleading advertisements in the newspapers.

Loan Against Property

  • Let your property give you bigger rewards
  • Tata Capital Limited brings the trust and expertise of the Tata Group into the world of financial services through CreditNation. Led by our values & a commitment to high standards of customer service, we endeavour to take care of all the financial needs, the right way. As one of our product offerings, we are pleased to offer Loans against Property. With attractive and best interest rates, transparency in dealing, quick disbursement & minimal paper work, it is our way of taking you closer towards fulfilling your dreams.

Features

  • Loans available from Rs.5 Lacs to up to Rs.3 Crores
  • Loans against Residential Commercial Property
  • Loan tenor of 12 months to 120 months
  • Easy monthly repayment through ECS or PDCs
  • Attractive interest rates
  • Fast processing>
  • By fulfilling certain eligibility criteria, you can avail these great features offered by Tata Capital

Apply Now

  • To Apply for a Loan Against Property
  • Apply Now
  • Write to us at – contactus@tatacapital.com
  • SMS ‘LAP’ to 56161561
  • Calculate the EMI
  • Download Application Form


TCL Mortgage PLR - MPLR

Effective From MPLR
1st March 2013. 16.4%
1st October 2011. 16.5%
1st July 2011 16.0%
1st April 2011. 15.5%
20th December 2010. 14.75%
15th November 2010. 14.25%
1st January 2009. 13.75%

Important Information
Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance.

Business Loans

Expand your Business today, pay as you grow.
  • We understand that expanding & growing business is the dream of every entrepreneur. For the same, you may require an urgent finance to fuel the growth of your enterprise. Our Business loans are designed for the same. Customized with Flexi EMI options, that let you pay as you grow.
    Key Features
  • No Guarantors & No Collaterals You don't need to provide any Guarantors or give any collateral to avail Business Loan.
  • Flexi EMI Option Avail Flexi EMIs with Step Up, Step Down and Bullet repayment options to suit your Cash flows.
  • Preapproved Offers Our existing customers can avail exclusive preapproved offers on business loans from time to time based on their eligibility.
  • Online Account Access Now you have access to all the information about your loan like interest certificate, repayment track, payment schedule etc. Just by logging in with your loan account number you can have access to all the information you would want about your loan.

Flexi EMI Business Loans

  • it comes to expanding your business, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Business Loan with Tata Capital, you have the freedom to repay your way.

Step Up Flexi EMI plan

  • This plan allows you to increase your fixed monthly EMIs every year to match the surge in your cash inflow. This gradual annual increase helps you repay your loan without taxing you financially.
  • Is it ideal for me?
  • If your EMIs are eating into your cash reserves, this plan will give you the much-needed relief. It gives you the freedom to increase your EMI along with the rise in your revenues.

Step Down Flexi EMI plan

  • This plan allows you to start repaying your loan with a higher EMI and lower it year after year. Meaning, you can repay faster and save up on finance costs.
  • Is it ideal for me?
  • Opt for this plan if you have substantial cash reserves. It is especially ideal if you do not wish your EMIs to affect your long-term cash flows.

Bullet Flexi EMI plan

  • This plan allows you to prepay your loan in parts at periodic intervals. These periodic payments will help lower your EMI considerably. Moreover, no charges will be levied on your prepayments.
  • Is it ideal for me?
  • If you are expecting seasonal spikes in business or surplus cash reserves at periodic intervals, this plan is apt for you.

Disclaimers:

  • Business Loans are originated and serviced by Tata Capital Financial Services Limited and are at its sole discretion at creditNation. Terms and conditions apply.

Customise your Car Loans with Tata Capital through CreditNation

  • We offer customized loans for both new and used cars - be it a hatchback, sedan, SUV, MUV, cross over vehicle or premium car. Get customised EMI plans as per your ability to repay to meets your current and future needs. We also offer Flexi EMIs with Higher eligibility and let you choose from multiple repayment options like Step Up, Step Down and Bullet repayment.

Eligibility & Documentation – New Cars

  • When you apply for car loans, you not only get a high loan eligibility but also produce only minimal documentation. With our intelligent car loan calculator, you can pick the best EMI plan. Read the eligibility slab below to know how easy it is to get a car loan with best interest rates.

Parameters Salaried Parameters Salaried
LTV 90% and Up to 100% on select models Up to 90% Up to 90%
Minimum Income. Rs 2.5 lacs for all assets Rs 2 lacs for all assets. Rs 2 lacs for all assets
Tenure 12 - 60 months and 84 month on select models 12 - 60 months and 84 month on select models 12 - 60 months and 84 month on select models
Documents Needed 1. PAN Card
2. Address proof
3. Signature Verification Proof
4. One Photograph
5. ITR/Salary Slips/Form 16
6. Bank Statement of last 3 months
1. Registered Partnership Deed for Partnership Firms
2. Certificate of Incorporation for Pvt and Public Ltd. Companies
3. Certificate of Commencement of Business for Public Ltd. companies
4. Memorandum and Articles of Association in case of Public and Pvt. Ltd. Companies
5. Address Proof & Pan Card of the Firm
6. One Photograph of Director/Partner
7. ITR
8. Audited Balance Sheet and Profit and Loss Account Bank