Tata Capital Personal Loan

Tata Capital offers personal loan to cater to following financial needs of their customers:

1. Tata Capital Education Loan: Students or parents whose children are planning to study within India or abroad but are short of money can apply for Tata Capital’s Education Loan. The loan covers students’ tuition fees and living cost. Here are more offerings under this type of personal loan:

   Loan Amount	Rs. 75,000 – 30,00,000
   Loan Tenure	60-84 months
   Interest Rate	10.99% – 15%
   Processing Fees	Up to 2.00%
   Pre-closure Fee	Up to 4.00%
   Part Payment Fee	Nil

   Eligibility: You are eligible for Tata Capital Education Loan, if:

   • you are an Indian National
   • your age is between 16-26 years
   • you have a good past academic record
   • your parents or you (if working) have a stable income source
   • you show security or have a guarantor
   • the credit history of your co-applicants is good

   Documentation: When applying for Tata Capital Education Loan, these are the documents that you need to submit:

   • Photo identity proof of both the student and parent (any one)
   • 10th standard and onwards attested marksheets & certificates
   • Admission letter issued by the admitting School/College/Institute
   • All essential documents issued by the admitting School/College/Institute, including prospectus, breakup of fees, etc.
   • A copy of bank statements for the past 6 months as income proof
   • Salary slips for the last 3 months & ITR of Parent/Guarantor
   • If studying abroad, submit a copy of entry permit, admission letter & I-20 form from foreign institution
   • If immovable property is offered as security, then a copy of property documents
   • If employed, a copy of your resignation letter, acceptance of resignation letter or sanction letter for study leave

    

2. Tata Capital Home Renovation Loan: Remodel or renovate your home without any money constraints with Tata Capital’s Home Renovation Loan. Here are more offerings under this type of personal loan:

   Loan Amount	Rs. 75,000 – 25,00,000
   Loan Tenure	12-72 months
   Interest Rate	10.99% onwards
   Part Payment Fee	Prepay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee. A fee of 2% (of the amount paid) + GST is applicable beyond 25% of the principal outstanding.
   Pre-closure Fee	Up to 2.00%

   Eligibility: You are eligible for Tata Capital Home Renovation Loan, if:

   • you are an Indian National
   • you are between 22-58 years of age
   • you have a minimum of one year work experience
   • you earn a minimum salary of ₹ 20,000 per month
   • you are in the same job for six months

    Documentation: When applying for Tata Capital Home Renovation Loan, these are the documents that you need to submit:

   • A copy of your photo identity proof (PAN / Passport / Driving License / Aadhaar Card)
   • A copy of your last six months’ bank statements
   • A copy of your last 3 months’ salary slips
   • A copy of your address proof (Ration Card / Electricity Bill / Passport)
   • A copy of your employment certificate stating one year of continuous employment

    

3. Tata Capital Wedding Loan: Make your dream wedding possible with Tata Capital’s Wedding Loan. Whether you want to lock that perfect venue to book a high-end wedding photographer or book your favourite caterer, Tata Capital Wedding Loan helps you pay for anything related to your wedding. Here are more offerings under this type of personal loan:

   Loan Amount	Rs. 75,000 – 25,00,000
   Loan Tenure	6-12 months
   Interest Rate	10.99% onwards
   Foreclosure Charges	4.5% of the principal outstanding at the time of foreclosure + GST
   Foreclosure Charges for Top Up	2% on the future principal outstanding on the existing loan + GST

   Eligibility: You are eligible for Tata Capital Wedding Loan, if:

   • you are an Indian National
   • you are between 21-58 years of age
   • you have a minimum of one year work experience
   • you earn a minimum salary of ₹ 20,000 per month
   • you are in the same job for six months

    Documentation: When applying for Tata Capital Wedding Loan, these are the documents that you need to submit:

   • A copy of your photo identity proof (PAN / Passport / Driving License / Aadhaar Card)
   • A copy of your last six months’ bank statements
   • A copy of your last 3 months’ salary slips
   • A copy of your address proof (Ration Card / Electricity Bill / Passport)
   • A copy of your employment certificate stating one year of continuous employment

    

4. Tata Capital Medical Loan: Medical emergencies can strike anyone anytime. And in such situations having instant cash is a blessing. But given the fact that the cost of good medical treatment is extremely high, a very few people are able to pay that much instantly. To help you get access to money without trouble, Tata Capital’s Medical Loan is there for you. The loan covers repayment options for all medical, dental and cosmetic procedures. Here are more offerings under this type of personal loan:

   Loan Amount	Rs. 75,000 – 25,00,000
   Loan Tenure	12-72 months
   Interest Rate	11.25% onwards
   Processing Fees	Up to 2.00%
   Preclosure Fee	Up to 4.00%
   Part Payment Fee	Post 6 months of availing the personal loan, you can part prepay the loan anytime without any penalty or additional fee. A fee of 2% of the amount paid + GST is applicable beyond 25% of the principal outstanding.

   Eligibility: You are eligible for Tata Capital Medical Loan, if:

   • you are an Indian National
   • you are between 21-58 years of age
   • you have a minimum of one year work experience
   • you earn a minimum salary of ₹ 20,000 per month
   • you are in in the same job for at least six months

    Documentation: When applying for Tata Capital Medical Loan, these are the documents that you need to submit:

   • A copy of your photo identity proof (PAN / Passport / Driving License / Aadhaar Card)
   • A copy of your last six months’ bank statements
   • A copy of your last 3 months’ salary slips
   • A copy of your address proof (Ration Card / Electricity Bill / Passport)
   • A copy of your employment certificate stating one year of continuous employment

    

5. Tata Capital Travel Loan: Planning to head off to your next adventure but falling short of funds? Apply for Tata Capital Travel Loan and explore the world without worrying about the money. Here are more offerings under this type of personal loan:

   Loan Amount	Rs. 75,000 – 25,00,000
   Loan Tenure	12-72 months
   Interest Rate	11.49-19%
   Processing Fees	Up to 2%
   Pre closure Fee	Up to 4%
   Part Payment Fee	Part prepayment is allowed after 6 months of availing a Personal Loan without any penalty or additional fee. A fee of 2% (of the amount paid) + GST is applicable beyond 25% of the principal outstanding.

   Eligibility: You are eligible for Tata Capital Travel Loan, if:

   • you are an Indian National
   • you are between 22-58 years of age
   • you have a minimum of one year work experience
   • you earn a minimum salary of ₹ 20,000 per month
   • you are in the same job for six months

    Documentation: When applying for Tata Capital Travel Loan, these are the documents that you need to submit:

   • A copy of your photo identity proof (PAN / Passport / Driving License / Aadhaar Card)
   • A copy of your last six months’ bank statements
   • A copy of your last 3 months’ salary slips
   • A copy of your address proof (Ration Card / Electricity Bill / Passport)
   • A copy of your employment certificate stating one year of continuous employment

Tata Capital offers customers personal loans ranging from Rs. 75,000 to Rs. 25 lakhs at the most competitive interest rates. Personal loan from this bank is popular among people due to the following features and benefits:

• Can be used for multiple purposes: Whether you need money to fund for weddings, medical expenses or vacation, Tata Capital Personal Loans are perfect for you.
• Requires no collateral or security: To get Tata Capital Personal Loan, customers need not provide any security or collateral to the bank.
• Quick fund disbursal: Once your Tata Capital personal loan application gets processed, your funds get disbursed within a few hours.
• Loan at attractive interest rates: Tata Capital offers competitive personal loan interest rates.
• Zero part-prepayment charges: Pre-pay part of the loan amount any time after 6 months of availing the personal loans without paying any additional fee or penalty charges.
• Offers overdraft facility: Withdraw additional money up to an agreed limit. The interest on the overdraft is charged only on the amount you use.
• Minimal documentation process: To apply for Tata Capital personal loan, you only need to submit basic documentation.

Apply for Tata Capital personal loan through Paisabazaar.com in a few easy steps:

Step 1. Enter your personal details such as your monthly income, mobile number, desired loan amount, etc.

Step 2. For eligibility check, provide details such as organisation name, current loan EMI amount (if any), etc.

Step 3. On the basis of your eligibility, a list of personal loan offers from various banks and NBFCs will appear. Compare and pick the option that suits your requirements best.

Step 4. Fill out the remaining details such as PAN details, residential address, employer details, etc.

Once done with the above step, you will receive an instant conditional e-Approval. From there on Paisabazaar’s team will take you through the entire process.

Alternatively, you can also apply for Tata Capital Personal Loan through their website.

Personal Loan EMI Calculator

Calculating EMI before applying for personal loan helps you in making sure that the loan EMIs does not disturb your monthly budget. It also helps in reducing the risk of defaulting on your loan. Finding an EMI that best suits your requirement through manual calculations is a tedious task, therefore, we, at Paisabazaar.com, offer you a Personal Loan EMI calculator. This online tool helps you find an EMI (Equated Monthly Instalments) as per your eligibility.

How Paisabazaar’s Personal Loan EMI calculator works?

Paisabazaar’s Personal Loan EMI Calculator calculates EMI on the basis of inputs about the following:

• Loan Amount: Mention the loan amount that you need to borrow
• Loan Tenure: Select the tenure (in months) till which you need the loan
• Interest Rate: Mention the interest rate on which the bank is offering personal loan

Once you have mentioned all the details, the calculator will instantly show you the results.

Tata Capital customers in India can use the following contact details to get in touch with the bank representatives: