Tata Capital (Finance) Personal Loan

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 Tata Capital Personal Loan

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 for Tata Capital Personal Loan

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

Minimum Documentation and Verification for Tata Capital Personal Loan

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 Tata Capital Personal Loan?

Tata Capital 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

Tata Capital Personal Loan 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.