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Tata Capital Personal Loan Balance Transfer

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15.6L Reviews

5.7cr+Satisfied Customers
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₹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%
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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

Apply Now

Tata Capital Personal Loan Balance Transfer Interest Rates

While the interest rate for a fresh personal loan from Tata Capital starts from 11.99%, the interest rate for personal loan balance transfer is not fixed. It completely depends on the applicant’s profile and the NBFC’s discretion. However, Tata Capital ensures to provide a competitive rate to help you save on the interest component.

Also Check: List of Banks Offering Personal Loan Balance Transfer

Eligibility for Balance Transfer

Following are the eligibility criteria to avail a fresh personal loan from Tata Capital, which may also apply for a personal loan balance transfer:

  • Age: Your age must fall in the range of 22 to 58 years.
  • Monthly Income: You should have a monthly income of at least Rs. 15,000.
  • Work Experience: You should have at least one year of work experience.

Documents Required for Balance Transfer

As Tata Capital does not specify what documents are required for a personal loan balance transfer, any/all of the following documents required for a fresh personal loan application may be needed as per the discretion of the lender:

  • Proof of Identity: Any Government issued photo ID such as PAN, Voter Card, Aadhaar Card, etc.
  • Proof of Address: Any any among Aadhaar Card, recent Electricity/Water Bill, etc.
  • Proof of Income: Copy of your bank statements for the last 6 months or salary slip for the last 3 months.
  • Employment Certificate: A certificate from your employer stating 1 year of continuous employment.

Process for Tata Capital Personal Loan Balance Transfer

To transfer your ongoing personal loan from some other lender to Tata Capital, you may follow one of the following two procedures:

  • Contact Tata Capital Customer Care: You can call and talk to one of the customer care executives on the toll free number – 1860 267 6060. Please note that the number is operational from 9 AM to 8 PM (Monday to Saturday) except on Sundays and public holidays.
  • Visit the Nearest Branch: Alternatively, you can visit your nearest Tata Capital branch and talk to one of the representatives to get the loan transfer done. Branch address/contact details are available on the Tata Capital website.

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Calculation of Balance Transfer

Personal loan balance transfer calculations are based on the following factors:

  • Existing loan amount,
  • Previous rate of interest,
  • New rate of interest,
  • EMIs paid, and
  • Loan tenure.

You can use Paisabazaar personal loan EMI calculator to know the EMI amount after the balance transfer. Just input the outstanding loan amount, new rate of interest and tenure proposed by Tata Capital to know the monthly payout.

Charges & Fees for Tata Capital Personal Loan Balance Transfer

Usually the personal loan balance transfer comes with the following charges:

  • Foreclosure charges with respect to the original lender. This can be up to 4.5% of the original loan principal sanctioned.
  • Processing Fees with respect to the new lender. It varies up to 2.75% of the loan amount plus the applicable taxes for Tata Capital personal loan.

Important Aspects for Personal Loan Balance Transfer

While it is beneficial to opt for a personal loan balance transfer, you should keep the following points in mind:

  • Carefully assess the new offer. It is always advisable to calculate how much you are going save after the balance transfer. Evaluate the difference between your old and new EMI amounts and choose tenure as per your financial status.
  • Check how much you have to pay. This is the sum total of all the charges and fees you have to pay in order to avail the personal loan balance transfer. Generally, an applicant has to bear the prepayment charges of the previous lender and the processing fees of the new lender for a personal loan balance transfer.
  • Read the loan agreement. You should always read the fine print carefully to be aware of the terms and conditions before signing the loan transfer agreement.

Thus, you should consider both the benefit and long term implication of the personal loan balance transfer.

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

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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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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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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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