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TVS Credit Personal Loan

TVS Credit offers online personal loans at interest rates starting from 11.99% p.a. for loan amount of up to Rs 2 lakh and for tenures of up to 3 years. Applicants need to download TVS Credit Saathi App to apply for TVS Credit Personal Loan. The entire process, right from loan application, verification to loan disbursal is app based. The loan proceeds can be used for home renovation, wedding, engagement, vacation, paying medical expenses, education, paying credit card bills, etc.

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

TVS Credit Personal Loan Highlights

Interest Rate 11.99%-29.99% p.a. (annualized)
Loan Amount Rs 30,000-Rs 2 lakh
Tenure 6 months-3 years
Processing Fees Flat 2.8%

TVS Credit Personal Loan Interest Rates

Minimum Interest Rate 11.99% p.a. (annualized)
Maximum Interest Rate 29.99% p.a. (annualized)

TVS Credit has not specified interest rate differentiation based on credit score, monthly income, job profile, employer’s profile, work experience, etc. However, most lenders consider these parameters while setting their personal loan interest rates. Therefore, individuals applying for personal loan should compare personal loan interest rates offered by as many lenders as possible before making the final application.

Fees & Charges of TVS Credit Personal Loan

Particulars Charges (inclusive of GST)
Processing Fees Flat 2.8%
Penal Charges Up to 36% p.a. on unpaid instalment
Foreclosure Charges Cooling Period of 15 days from the Loan Agreement date.16 days to 12 months: 7.08% on principal outstanding
13-24 months: 4.72% on principal outstanding
Above 24 months: 3.54 on principal outstanding
Bounce Charges Up to Rs 750
Duplicate NDC/NOC Charges Up to Rs 500

Eligibility Criteria for TVS Credit Personal Loan

  • Salaried individuals with an income of more than Rs 25,000 are eligible for TVS Credit Personal Loan.
  • Individuals having a CIBIL score of more than 700 have higher chances of availing TVS Credit Personal Loan.

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Documents Required for TVS credit Personal Loan

  • PAN Card
  • Aadhar Number
  • Address Proof

How to Apply for TVS Credit Personal Loan

  • Download TVS Credit Saathi App on your mobile phones
  • Updated your KYC details for verification and check your personal loan eligibility
  • Choose loan amount and tenure and complete the video KYC process
  • Confirm your bank details and complete the e-mandate process for loan disbursal

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 Tvs Credit Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

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FAQs

TVS Credit has not specified whether it offers pre-approved personal loan scheme.

TVS Credit claims to take around 24 hours to disburse personal loans after the completion of the digital journey.

You can apply for TVS Credit Personal Loan by downloading TVS Credit Saathi App and signing up using your mobile phone.

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Last updated: 15 September, 2025

Vandana Punj profile
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Vandana Punj
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Shamik Ghosh

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