Tata Capital Personal Loan

Are you looking for a personal loan to meet your urgent financial need? Apply online for personal loans starting at...

Are you looking for a personal loan to meet your urgent financial need? Apply online for personal loans starting at 10.99% p.a. offered by Tata Capital. Whether it's for medical emergencies, education, home renovations, travel, or weddings, find the right personal loan.

Competitive Interest Rates

Curated offers from 30+ lenders

Instant Loan Approval

Money in your account instantly

Completely Online Process

Offers ranked according to eligibility

Hassle-free and Paperless

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%

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Competitive Interest Rates

Curated offers from 30+ lenders

Instant Loan Approval

Money in your account instantly

Completely Online Process

Offers ranked according to eligibility

Hassle-free and Paperless

Hassle-free & paperless

Calculate Your Personal Loan EMI

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Enter Loan Amount

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50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

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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 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%

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About Tata Capital Personal Loan

Tata Capital Personal Loan Interest Rates in 2026

How to Apply for Tata Capital Personal Loan through Paisabazaar

Tata Capital Personal Loan Repayment Options

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

About Tata Capital Personal Loan

Tata Capital offers personal loans at competitive rates to meet the personal financial obligations of the applicants.
The interest rates are offered depending on the credit profile of the applicants.
The process is completely online with minimal paperwork.
The lender also offers pre-approved personal loans to its select existing customers with instant loan disbursal.
Prospective borrowers can avail a loan amount of up to Rs. 35 lakh with flexible repayment tenure.
The loan proceeds can be used for wedding, travel, medical emergency, home renovation, etc.

Tata Capital Personal Loan Interest Rates in 2026

Tata Capital Personal Loan interest rates start from 10.99% p.a. onwards. Below are the personal loan interest rates offered by Tata Capital across its varied loan products.

Types of Personal Loans	Rate of Interest (p.a.)
Personal Loan Hybrid Term Loan	12.99% onwards
Personal Loan for Marriage	10.99% onwards
Medical Loan	10.99% onwards
Personal Loan for Travel	10.99% onwards
Personal Loan for Home Renovation	10.99% onwards
Personal Loan for Salaried	10.99% onwards
Personal Loan for Women	10.99% onwards
Personal Loan for Government Employees	10.99% onwards
Small Personal Loan	10.99% onwards

Rates as of 9th March 2026

How to Apply for Tata Capital Personal Loan through Paisabazaar

Tata capital has tied-hands with Paisabazaar to offer personal loans. So, if you are looking for quick funds, you can apply for personal loan via Paisabazaar by following the below mentioned simple steps:

Step 1: Go to its Personal Loan section and enter your valid mobile number

Step 2: Verify with the received OTP for secure access

Step 3: Enter the required basic personal details

Step 4: Compare from personal loan offers

Step 5: Choose and apply after reviewing the terms, interest rates and related details.

Tata Capital Personal Loan Repayment Options

Tata Capital offers convenient options to repay your EMIs with the help of their Standard EMI Plan.

Personal Loan EMI Repayment Option

Standard EMI Plan: EMI amount remains the same throughout the tenure.

This plan is best available option for individuals with regular income, as it permits you to pay the principal amount along with the interest consistently for your defined tenure.

Convenient EMI Payment Methods offered by Banks/NBFCs

Auto Debit Facility: You can avail this service by filling a form and enabling the lender to activate the bank mandate. After the activation, your account will be debited every month towards your EMI payment.

Online Payment Portal: Borrowers can access the Tata Capital Payment gateway to pay your personal loan EMIs via UPI, net banking or debit card.

Post Dated Cheque (PDC) Facility: You can submit PDCs for the loan tenure, which will be presented on the EMI due dates.

Avail Personal Loan for
All Your Needs

Types of Personal Loans offered by Tata Capital

Below listed are the different types of personal loans available from Tata Capital:

Personal Loan Hybrid Term Loan

Purpose: Tata Capital Personal Loan Hybrid Term Loan facility allows only salaried individuals the flexibility to withdraw funds from the sanctioned limit and make repayments as per their requirements. The interest component is charged only on the amount withdrawn. The borrower can withdraw and repay the loan amount multiple times within the sanctioned limit.
Interest Rate: 14.50% p.a. onwards
Loan Amount: Up to Rs. 35 lakh
Repayment Tenure: Up to 84 months
Tenure: Up to 7 years
Minimum Credit Score: 725 or above
Moratorium: For 60-72 months tenure is 1 year and for 84 months is fixed at 2 years

Personal Loan for Marriage

Purpose: Consumers can avail Marriage Loans from Tata Capital to finance their wedding-related expenses.
Loan Amount: Rs 40,000- 35 lakh
Tenure: 1 year to 6 years

Personal Loan for Medical Purposes

Purpose: Prospective personal loan applicants can avail Medical Loan for meeting the expenses for medical emergencies and for cosmetic, dental and other medical procedures.
Loan Amount: Rs 40,000- 35 lakh
Tenure: 1-6 years

Personal Loan for Travel

Purpose: Applicants can avail Tata Capital Personal Loan for Travel to finance their travel related expenses including transportation costs, hotel expenses, tour packages and/or any other expenses associated with the travel.
Loan Amount: Rs 40,000- Rs 35 lakh
Tenure: 1-6 years

Personal Loan for Home Renovation

Purpose: Tata Capital offers Personal Loan for Home Renovation to finance the renovation of the homes ranging from extensive interior upgrades to basic maintenance and repair needs.
Loan Amount: Rs 40,000- Rs 35 lakh
Tenure: 1-6 years

Additional Personal Loan Schemes from Tata Capital

Personal Loan for Government Employees

Purpose: Individuals employed in government sectors can avail Personal Loan for Government Employees from Tata Capital to meet their personal financial needs.
Loan Amount: Up to Rs 35 lakh
Tenure: 1-6 years
Minimum Monthly Salary: Rs. 20,000 plus 1 year of work experience

Personal Loan for Salaried Employees

Purpose: Tata Capital offers Personal Loan for Salaried Employees to meet the personal financial needs of salaried individuals
Loan Amount: Up to Rs 35 lakh
Tenure: Up to 6 years
Minimum Monthly Salary: Rs. 15,000

Personal Loan for Women

Purpose: Personal Loan for Women from Tata Capital allows working women as well as home makers to raise finance to meet their diverse financial needs.
Loan Amount: Rs 40,000-Rs 35 lakh
Tenure: Up to 6 years

Small Personal Loan

Purpose: Tata Capital offers small personal loans to salaried individuals to meet short-term requirements such as trip expenses, health bills, expensive gadgets, etc.
Loan Amount: Rs 40,000-Rs 1.5 lakh
Tenure: 18 months to 3 years
Processing Fee: 2% of the loan amount
Minimum salary required: Rs. 15,000 per month

Personal Loan Balance Transfer

Purpose: Tata Capital offers personal loan balance transfer facility to those existing personal loan borrowers of other banks and NBFCs who want to transfer their existing personal loan at lower interest rates.
Tenure: Up to 7 years
Minimum monthly salary: Rs. 20,000

Note: Except for the Tata Capital Personal Loan Hybrid Term Loan, all other personal loans are offered at an interest rate starting from 10.99% p.a.

Eligibility Criteria for Salaried Individuals

Applicant’s personal loan eligibility criteria depends on various factors, including income, age, nature of employment, credit score, professional experience, employer’s profile, etc. Find below the basic eligibility criteria set by Tata Capital.

Age: 21 – 58 years
Minimum monthly income: Rs. 15,000
Work experience: Minimum 1 year
Credit Score: Minimum 725 or above

Required Documents for Tata Capital Personal Loan

Find below the documents required to apply for Tata Capital Personal loan:

Photo Identity/Address proofs: A copy of your aadhaar card, passport, Voter ID, or Driving License
Income Proof: Last 2 months’ salary slips, last 3 months’ bank statement
Employment certificate: A certificate confirming at least one year of continuous employment

Fees & Charges on Tata Capital Personal Loan

Particulars	Charges
Processing Fees	Up to 3.5% of the loan amount + GST
Penal Charges/Default in payment of interest or principal amounts	3% per month on defaulted amount (Annualized Penal Charge of 36%) – To be paid at the end of 13^th month
Loan Cancellation Charges	2% of the Loan Amount/ Facility amount or Rs. 5750/- (whichever is higher)
Part Payment Charges	Nil on payment up to 25% of disbursed loan amount4.5% on part-payment amount 6.5% on part-payment amount during Lock-in period (12 months)
Foreclosure Charges on Term Loan facility	4.5% on the principal outstanding at the time of foreclosureFor closing loan within 12 months- 4.5% + GST Additional 2% over and above the mentioned prepayment/ foreclosure charges if foreclosure made during Lock-in period (12 months)
Foreclosure Charges in Personal Loan Hybrid Term Loan Cases	4.5% on the Dropped down amountAdditional 2% over and above the mentioned drop down amount if foreclosure made during Lock-in period (12 months)
Hybrid Term Loan Annual Maintenance Charges	0.25% of the reduced assigned limit or Rs.1000/—(whichever is higher)
Dishonour of Payment Disbursements or Cheques	Rs. 600 per instance
Mandate Rejection Service Charge	Rs. 450
Collection Charge and Stamp Duty	At Actuals
Statement of Accounts	Rs. 250
Payment Instrument Swapping Charges	Rs. 550
Duplicate Repayment Schedule	Rs. 550
Duplicate NOC	Rs. 550

Note: GST and other applicable taxes and levies will be added to all fees and charges and are payable accordingly.

How to Improve Chances of Personal Loan Approval?

Follow the below steps to enhance the chances of loan approval:

Maintain a high credit score (750+)
Pay off all your existing EMIs and credit card dues
Ensure stable income and employment
Avoid multiple loan applications simultaneously
Provide complete and accurate documents
Maintain healthy relationship with the lender

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

FAQs

The personal loan interest rates offered by Tata capital start from 10.99% p.a.

The maximum loan amount offered by Tata capital is up to Rs. 35 lakh, however you can also avail a low-ticket size loan of Rs. 40,000 to meet your urgent needs.

Yes, you can surely use personal loan for home renovation purposes as this loan comes with no-end use restriction and can be used for any purpose, besides speculative activities.

You can simply visit the Paisabazaar website or mobile app, find the personal loan section and application form, enter your mobile number to authenticate with an OTP. Further, mention your basic details, choose the loan amount and lender and proceed with the loan formalities.

Salaried individuals having a minimum monthly income of Rs 15,000 are eligible for availing Tata Capital Personal Loan.

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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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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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