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Tata Capital Personal Loan EMI Calculator
Tata Capital personal loan EMI calculator helps the prospective personal loan borrowers to determine their loan affordability depending on the loan amount, interest rate and repayment tenure they have opted for. Individuals can thus plan their financial obligations after factoring in the monthly instalments they need to pay in future. They can also use the personal loan EMI calculator available on Paisabazaar’s website.
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Find Best Personal Loan Offers
Tata Capital Limited
100% Digital Process*
Max. Loan Amt.Upto ₹35L
Rate of Interest11.99% - 13.99%
Tenure upto1-5 Years
Processing Fee1% - 1.25%
- Interest rates starting from 11.99% p.a. onwards
- Loan amount of up to Rs. 35 lakh for tenure of up to 5 years
- Digital loan application
- Instant loan approval
- Quick disbursal
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
Tata Capital Personal Loan EMI Calculator- Features
Comparison of Tata Capital Personal Loan EMI with Top Banks
| Banks/NBFCs | Interest Rates (p.a.) | Loan Amount – Rs. 5 lakh Tenure – 5 years | Loan Amount – Rs. 1 lakh Tenure – 5 years |
|---|---|---|---|
| HDFC Bank | 9.99% - 12.5% | 10,621- 11,249 | 2,124 - 2,250 |
| Axis Bank | 9.99% - 17.15% | 10,621 - 12,467 | 2,124 - 2,493 |
| ICICI Bank | 11% - 13% | 10,871-11,377 | 2,174-2,275 |
| Kotak Mahindra Bank | 9.98% - 17.2% | 10,619 - 12,480 | 2,124-2,496 |
| IndusInd Bank | 10.35% - 16.5% | 10,710 - 12,292 | 2,142 - 2,458 |
| IDFC FIRST Bank | 9.99% onwards | 10,621 onwards | 2,124 onwards |
| Federal Bank | 12.0% - 19.5% | 11,122 - 13,108 | 2,224 - 2,622 |
| YES Bank | 13% - 16% | 11,377 - 12,159 | 2,275 - 2,432 |
| Tata Capital | 11.99% - 13.99% | 11,120 - 11,632 | 2,224 - 2,326 |
| Aditya Birla Finance | 10.99% onwards | 10,869 onwards | 2,174 onwards |
| L&T Finance | 11.00% onwards | 10,871 onwards | 2,174 onwards |
| Hero Fincorp | 19.75% - 30.00% | 13,177 - 16,177 | 2,635 - 3,235 |
| Piramal Finance | 12.90% onwards | 11,351 onwards | 2,270 onwards |
| Poonawalla Fincorp | 18% - 36% | 12,697 - 18,066 | 2,539 - 3,613 |
| Moneyview | 14% - 36% | 11,634 - 18,066 | 2,327 - 3,613 |
Swipe to see more table data
Factors affecting Tata Capital Personal Loan EMI
Rate of Interest
Personal loans availed at lower interest rates would result in lower EMIs and interest costs and vice versa. Thus, it is advisable to compare the personal loan interest rates offered by top lenders before applying for Tata Capital Personal Loan.
Loan Tenure
Existing personal loan borrowers can save on their EMIs by opting for longer repayment tenures. However, higher loan tenures end up increasing the total interest cost of their personal loan. Therefore, loan applicants should use the Tata Capital Personal Loan EMI Calculator an opt for optimum loan tenure based on the repayment capacity.
Loan Amount
The higher the loan amount, the higher would be the EMIs and total interest cost and vice-versa. Your eligibility for personal loan amounts would primarily depend on your repayment capacity and loan tenure.
Tata Capital Personal Loan Amortisation Schedule
Suppose you borrow a loan of Rs. 10 lakh @ 11.99% p.a. for a tenure of 5 years, then the following will be your amortization schedule for 1 year. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.
| Month | Opening Balance (₹) | EMI (₹) | Interest (₹) | Principal (₹) | Closing Balance (₹) |
|---|---|---|---|---|---|
| 1 | 10,00,000 | 22,216 | 9,990 | 12,226 | 9,87,774 |
| 2 | 9,87,774 | 22,216 | 9,872 | 12,344 | 9,75,430 |
| 3 | 9,75,430 | 22,216 | 9,754 | 12,462 | 9,62,968 |
| 4 | 9,62,968 | 22,216 | 9,642 | 12,574 | 9,50,394 |
| 5 | 9,50,394 | 22,216 | 9,503 | 12,713 | 9,37,681 |
| 6 | 9,37,681 | 22,216 | 9,374 | 12,842 | 9,24,839 |
| 7 | 9,24,839 | 22,216 | 9,240 | 12,976 | 9,11,863 |
| 8 | 9,11,863 | 22,216 | 9,118 | 13,098 | 8,98,765 |
| 9 | 8,98,765 | 22,216 | 8,988 | 13,228 | 8,85,537 |
| 10 | 8,85,537 | 22,216 | 8,862 | 13,354 | 8,72,183 |
| 11 | 8,72,183 | 22,216 | 8,742 | 13,474 | 8,58,709 |
| 12 | 8,58,709 | 22,216 | 8,587 | 13,629 | 8,45,080 |
Swipe to see more table data
Benefits of Using Tata Capital Personal Loan EMI Calculator
The main advantages of using online Tata Capital Personal Loan EMI Calculator are as follows:
Related Links
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
Explore Our Personal Loan Lenders
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Kotak Mahindra Bank
ICICI Bank
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IDFC First Bank
Indusind Bank
RBL Bank
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Written By
Vandana Punj
Reviewed By
Shamik GhoshPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers