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Tata Capital Personal Loan Interest Rates

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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%
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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 Interest Rates

Particulars Interest rates (p.a.)
Personal loan for salaried 10.99% onwards
Personal loan for women 10.99% onwards
Marriage loan 10.99% onwards
Medical loan 10.99% onwards
Travel loan 10.99% onwards
Personal loan for home renovation 10.99% onwards
Personal loan for government employees 10.99% onwards
Personal loan Hybrid Term Loan 12.99% onwards

Personal Loan Interest Rates by Other Banks/NBFCs

Bank/NBFCInterest Rates (% p.a.)Processing Fees
Aditya Birla Finance10.99 onwardsUp to 4%
Axis Bank9.99 onwards*Up to 2%
Bank of Baroda10.15-18.00Up to 2% (Max. Rs. 10,000)
Bajaj Finance Limited10.00-30.00Up to 3.93%
Bank of India10.85-16.15Up to 1% (Min. Rs. 250; Max. Rs. 15,000)
Bank of Maharashtra8.75-13.55Up to 1% (Max. Rs. 10,000)
Canara Bank9.70-15.15Up to 0.5% (Max. Rs. 5000)
Central Bank of India9.85-11.65Up to 1%
Cholamandalam IFC10.00-28.004% - 6%
Dhani Loans & Services Ltd.13.99 onwards3% onwards
Federal Bank12.00 - 22.50*Up to 2%
HDB Financial Services10.00 - 35.00Up to 5.90%
HDFC Bank9.99 onwardsUp to Rs 6,500
Hero FincorpUp to 30*2.3% - 3%
HSBC Bank9.75 onwardsUp to 2%
ICICI Bank9.99 onwardsUp to 2%
IDFC FIRST Bank9.99 onwardsUp to 2%
IIFL Finance12.00 - 28.002% - 9%
Indian Overseas Bank10.25 onwardsUp to 0.75%
IndusInd Bank10.35 onwards*Up to 3.5%
Kotak Mahindra Bank9.98 onwards*Up to 5%
L&T Finance11.00 onwardsUp to 3%
Mahindra Finance8.00 - 25.002% of loan amount or Rs. 5,000, whichever is lower
Mannapuram Finance18.00 - 24.001% of loan amount
Moneyview14.00 onwards2% onwards
Muthoot Finance13.50 onwardsVaries for each application
Piramal Finance12.14 onwardsUp to 5%
Poonawalla Fincorp9.99 onwardsUp to 3%
Punjab & Sind Bank9.60-13.850.50% - 1%
Punjab National Bank10.25-16.80Up to 1%
Shriram Finance11.00 onwardsUp to 5%
Tata Capital10.99 onwardsUp to 3.5%
UCO Bank9.95 - 13.20Up to 1% (Min. Rs. 750)
Union Bank of India8.75 - 12.55Up to 1% (Max. Rs. 7,500)

*Paisabazaar special rates


Note: Rates as of 1st June 2026

*Paisabazaar special rates

Factors influencing Tata Capital Personal Loan Interest Rates

Credit Scores

Tata Capital provides personal loans to salaried applicants based on their credit scores. However, the non-banking financial company (NBFC) has not specified their personal loan interest rates matrix for prospective borrowers on the basis of their credit scores.

Personal loan applicants can follow healthy credit behaviours like paying their EMIs on time, avoiding multiple loan applications within short durations, maintaining an optimal credit mix, etc. to increase/maintain their credit scores and thereby, improve their personal loan eligibility. They should also review their credit reports at regular intervals to find any mistakes in the report and highlight it to their lender or credit bureaus. Any error in a loan applicant’s credit report can reduce his credit score and negatively impact his eligibility for availing personal loans. Lower credit scores may also reduce loan applicants’ chance of availing Tata Capital Personal Loans at lower  interest rates.

Income

Tata Capital has a minimum monthly income requirement of Rs 15,000 for their salaried personal loan applicants. Although Tata Capital has not specified the differential personal loan interest rates based on their loan applicants’ income, many lenders do provide lower interest rates for personal loan applicants having higher incomes. Borrowers with higher incomes usually have higher loan repayment capacity as well, which reduces the lender’s credit risk. Lenders can then pass on this benefit to the personal loan borrower in the form of lower interest rates.

Occupation Profile

Tata Capital sets their personal loan interest rates based on their loan applicants’ occupation profile and work experience. The NBFC has not specified offering differentiated interest rates on their personal loans based on their employer profile. However, many lenders consider the employer profile of their loan applicants while finalising the interest rates on their personal loans. Lenders usually offer lower interest rates on personal loans for salaried applicants when compared to personal loan for self-employed applicants. Within salaried applicants, lenders provide lower interest rates for employees working for the government or PSUs as their income and job security are usually higher compared to other salaried applicants. Lenders also offer lower interest rates on personal loans to employees working in MNCs or reputed private sector companies as their capacity of withstanding adverse economic conditions is usually better than other organisations in the private sector.

Existing Relationship with Tata Capital

Even though Tata Capital has not specified offering discounted personal loan interest rates to their existing customers, various lenders give interest rate concessions to personal loan applicants already having lending/deposit accounts with them. Hence, loan applicants looking to avail Tata Capital Personal Loans should first contact lenders with whom they already have existing lending/banking relationships and then, compare the interest rates offered by those lenders with Tata Capital’s Personal Loan interest rates .

Tips to Avail Personal Loans at Low Interest Rates

  • Maintain credit scores of 750 and above.
  • Check the pre-approved personal loans offered from multiple lenders.
  • Track personal loan rates of interest offered by top banks/NBFC, especially during the festive season.
  • If you have a lending or deposit account with one or more lenders, ask them if they can offer you a personal loan at reduced interest rates.
  • Check online financial marketplaces to compare Tata Capital’s Personal Loan interest rates with the personal loan interest rates offered by different lenders.

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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

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All Your Needs

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FAQs

What is the interest rate offered by Tata Capital on their personal loan schemes?

The personal loan interest rates offered by Tata Capital start from 10.99% p.a. The lender sets the personal loan interest rates of their loan applicants depending on the loan scheme type and occupation profile of the loan applicants as well as other factors like their CIBIL/Credit score, monthly income, loan tenure, loan amount, repayment capacity, nature of employment, etc.

What is the interest rate for Rs 5 lakh personal loan in Tata Capital?

Tata Capital offers personal loans of Rs. 5 lakh at interest rates of 10.99% p.a. onwards. The interest rates offered by the lender to loan applicants availing Rs 5 lakh personal loans depend on the type of loan scheme and their loan applicants’ occupation profile along with additional factors like their Credit/CIBIL score, repayment capacity, monthly income, loan amount, loan tenure, employment profile, etc.

How to get the lowest personal loan interest rate from Tata Capital?

Tata Capital has not disclosed the eligibility conditions that its loan applicants should fulfil to avail personal loans at lowest rates offered by the lender i.e. 10.99% p.a. However, prospective borrowers having the best credit profile as per the credit risk assessment process of the lender are more likely to avail Tata Capital Personal Loans at lowest interest rates.

Does Tata Capital offer personal loans at fixed or floating interest rates?

Tata Capital offers fixed interest rates on its personal loans. As the interest costs for availing fixed interest rate personal loans remain constant throughout the loan tenure, choosing fixed interest rate personal loans provides higher certainty to borrowers, in terms of their budgeting and interest costs.

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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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Anubhuti Agrawal
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Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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