We're constantly crafting offers and deals for you. Get them delivered straight to your device through website notifications.

All You Have To Do Is Click On "Allow".

Personal Loan Interest Rates & Charges

Interest Rates

Our interest rates  start at 10.99% are competitive in the industry. However, interest rates depend on your personal loan eligibility, income, and other criteria. When you apply for a Personal Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed Personal Loan EMI Payments, all information is transparently-provided for smooth processing of your Personal loan. 

Processing Fee

Up to 2.5% of the loan amount + GST

Part Pre-Payment Charges

No Part Prepayment is allowed in first 6 months

  • Only once per year and 
  • Minimum gap between two part payments to be six months. 
  • Part payment amount Up to 25% of principle outstanding
  • Part prepayment Charges 2.5% + GST (on amount over and above 25% of Principal outstanding)

Penal Interest / Additional Interest

3% on Overdue Amount per month + GST

Miscellaneous Charges

Post-Dated Cheque Charges

₹ 850 + GST

Bounce Charges

₹ 600 for every Cheque/ Payment Instrument/ ECS Dishonour + GST

Cancellation Charges

2% of loan amount or ₹ 5750, whichever is higher + GST

Instrument Swapping Charges

₹ 550 + GST

Foreclosure Charges

No Foreclosure is allowed in first 6 months.

4.5% of the principal outstanding at the time of foreclosure + GST

Foreclosure Charges for Top Up

2.50% on the future principal outstanding on existing loan + GST

(Foreclosure charges shall be levied only if new rate is lower than existing rate)

Foreclosure Charges in CCOD Cases

No Foreclosure is allowed in first 6 months.

4.5% on the Dropped down limit amount + GST

Mandate Rejection Service Charge

₹ 450 + GST

Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account.

CCOD Annual Maintenance Charges

0.25% on Dropline Amount + GST or ₹ 1000, whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month.

Outstation Collection Charges

₹ 100 + GST

Statement of Accounts

Soft Copy – Nil

Branch walk in - ₹ 250 + GST

Duplicate Repayment Schedule

Soft Copy - NIL

Branch Walk In - ₹ 550 + GST

Duplicate NOC

₹ 550 + GST

Foreclosure Letter Charges

Soft Copy – Nil

Branch walk in - ₹ 199 + GST


  • The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.
  • Customers who have taken a loan before 15th April 2019 need to refer to the loan agreement and schedule of charges for applicable rates.
  • For the definitions of the above charges, please refer to the Master Terms & Conditions sheet.
  • Soft copies of documents mentioned in the table above will be provided free of cost. For hard copies, please refer to the above table for the applicable fees & charges.
Detailed FAQs

We provide Personal Loans from a minimum of ₹ 75,000 to a maximum of ₹ 25,00,000/- depending on your eligibility.

You have the option to choose what works best for you while repaying the personal loan. You can go for the fixed amount of loan and interest or can pay higher/lower EMIs in the initial months, lower/higher EMIs at the later months depending on your income. Do check our EMI options page for more details.

Here’s why our Personal Loan is perfect for you:


Quick loan payment

No collateral or security needed

Minimal documentation

Flexible EMI plans and many repayment options

Find the right loan for you