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PERSONAL LOAN

What is a personal Loan?

A personal loan is an unsecured credit that you can avail without pledging any collateral. Unlike other loans, a personal or unsecured loan has easy eligibility criteria, special offers and unrestricted end-use for you to finance your immediate expenses, be it a medical emergency or a foreign trip.

Tata Capital provides easy personal loans available at attractive interest rates, starting at 10.99%. Avail a loan up to Rs. 25 lakhs through a simple online process with minimal documentation and an easy to meet eligibility criteria. Get flexible tenures up to 6 years and repay your personal loan EMI as per your convenience. Tata Capital offers fast loan processing and tailored personal loan offerings ideal to fund your diverse financing goals.

Disclaimer: Personal Loans are originated and serviced by Tata Capital Financial Services Limited (TCFSL) and are at its sole discretion. Terms and conditions apply.

KNOW MORE ABOUT OUR OFFERINGS

Key Features

Loan Amount

₹75,000 - ₹25,00,000

Loan Tenure

 Up to 6 years

Interest Rates starting at

10.99%

Personal Loan Advantages

Multipurpose Personal Loan

No matter what the occasion is, we have the right personal loan offering for you. Be it for weddings, higher studies, travel or any other purpose.

No Collateral/Security

We don’t ask for any collateral or security for Personal Loans.

Overdraft Facility
Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.
Zero charges on Part Pre-Payment

You can pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

Multipurpose Personal Loan

No matter what the occasion is, we have the right personal loan offering for you. Be it for weddings, higher studies, travel or any other purpose.

No Collateral/Security

We don’t ask for any collateral or security for Personal Loans.

Overdraft Facility
Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.
Zero charges on Part Pre-Payment

You can pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

Who Can Take a Personal Loan?

Tata Capital provides unique and flexible personal loans for salaried individuals. The following can get a personal loan Tata Capital:

  • Salaried individuals

  • Students
  • Retired Individuals

 

Availability of personal loans for salaried individuals depend on job stability, income, age, work experience, and CIBIL score.

GET PERSONAL LOANS FASTER WITH OUR SIMPLE APPLICATION PROCESS

Step 01

Enter Details

Enter Name, Mobile Number and verify with PAN number

Step 02

Input Loan Requirements

If pre-approved, input your Personal Loan requirement within the sanctioned limit

Step 03

Personal Details

Enter your Personal Details & Banking details

Step 04

Set up your E-mandate

Complete a one time netbanking transaction authorization

Step 05

Additional Facility

Avail Insurance to safeguard against your Personal Loan liabilities

Step 06

Instant Personal Loan
Disbursement

Accept E-Agreement, verify your Personal Loan details & enjoy the Instant Disbursement!

There you go! Simple, isn’t it?

Personal Loan Eligibility

Applicant’s personal loan eligibility depends on various factors, including a fixed monthly income, age, nature of employment, CIBIL score, professional experience, etc. For a quick personal loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria.Your personal details including your PAN number, CIBIL score & KYC documents.

 

The personal loan eligibility for Salaried individuals:

  • Age should be between 22 to 58 years

  • Minimum monthly income should be ₹ 15,000
  • Minimum of one year of work experience

 

The personal loan eligibility for Self-Employed individuals:

  • Monthly income of at least ₹ 15,000
  • Age must be between 22 to 58 years

  • Work experience of at least one year

Documents Required for Personal Loan

The following are the documents required for personal loan with Tata Capital:

  • Photo Identity Proof documents
  • Income Proof documents
  • Salary Slips
  • Address Proof documents and
  • Employment Certificate

 

To know the entire list of accepted documents, visit our personal loan documents page.

What is the Importance of CIBIL Score for Personal Loan?

CIBIL score, an important indicator of your credit health, is a three-digit number summarising your credit history, report, and rating. The score ranges from 300 to 900 and indicates your ability to repay your personal loan amount in a timely manner.

 

CIBIL score plays a decisive role in the personal loan application process. When a self-employed or salaried indiv