Tata Capital Consumer Loan

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Find Best Personal Loan Offers

Sort by:

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 Fee₹ 6,500

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?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

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

Avail Personal Loan for
All Your Needs

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

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What our customers say

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.

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

Kokil BarnwalFeb 12, 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.

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.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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