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Tata Capital Consumer Loan

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Valid till 30th April '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Features of Tata Capital Consumer Loan

  • Loan amount: Starting from Rs. 10,000, the amount offered by Tata Capital Consumer Loan goes up to Rs. 5 lakh and thus individuals are able to buy a wide range of products as per their choice
  • 0% interest: Tata Capital offers consumer durable loans at 0% interest (conditions applicable) along with the benefit of minimal down payment to avail the loan
  • Minimum documentation: Tata Capital asks for only basic KYC documents to sanction your loan application
  • Flexible tenure: You can buy your favourite product instantly with Tata Capital Consumer Loan and can repay the loan within a flexible tenure ranging from 6 to 24 months
  • No foreclosure charges: If you wish to prepay your consumer durable loan before the tenure ends, you can foreclose it without any additional charges
  • Pre-approved EMI Card: If you are an existing customer of Tata Capital, you get a pre- approved EMI card. You can just walk in to any of the partner stores with the card and buy your desired product with the benefit of 0% EMI (subject to applicable terms and conditions)

    Tata Capital Consumer Loan Interest Rate

    Tata Capital Consumer Loans are offered at interest rates as low as zero EMI, however, actual rate might at times be higher depending on key factors such as applicant’s profile.

Eligibility Criteria

For Salaried Individuals

  • You should be at least 21 years old
  • Your maximum age should be 60 years
  • You should have a minimum total working experience of at least 2 years

Also Know: Features and Benefits of Personal Loans for Salaried Employee

For Self- Employed Individuals

  • You should be at least 21 years old
  • Your maximum age should be 65 years

Documents Required for Tata Capital Consumer Loan

For Salaried Individuals:

  • Photo Identity Proof: A copy of Passport/ Voter ID Card/ Aadhaar Card/ Driving License/ PAN Card
  • Address Proof: A copy of your Electricity Bill/ Ration Card/ Passport
  • Income Proof: A copy of your salary account bank statements of last six months showing your salary
  • Salary slips: A copy of your salary slips for the last 3 months

For Self- Employed Individuals:

  • Photo Identity Proof: A copy of Passport/ Voter ID Card/ Aadhaar Card/ Driving License/ PAN Card
  • Address Proof: A copy of your Electricity Bill/ Ration Card/ Passport
  • Income Proof: Latest bank statements and ITR of last 2 years

Fees and Other Charges

The following are some of the key fees and charges other than interest rate that are related to Tata Capital Consumer loan:

Processing Fees Rs. 89 to Rs. 10,030
Bounce Charges Rs. 450 plus GST
Mandate Rejection Service Charge Rs. 450 plus GST
Penal interest/Additional Interest 3% of the amount overdue per month

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Comparison of Tata Capital Consumer Loan vs. Other Lenders

The following table compares the consumer loan of Tata Capital to consumer loans offered by other leading lenders:

Particulars Tata Capital IDFC First Bank
Interest Rate 0% 0%
Tenure 6 to 24 months Up to 36 months
Loan amount Up to Rs. 5 lakh Up to Rs. 5 lakh
Processing Fee Rs. 89 to Rs. 10,030 Up to 2.50% of the loan amount

Tata Capital Customer Care

The following are the best ways to reach a customer service representative of Tata Capital:

  • You can call on 1860-267-6060 (Between 9 AM to 8 PM Monday to Saturday. Closed on Sundays and Public Holidays)
  • Visit the nearest branch of Tata Capital

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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