Personal Loan by Tata Capital
A Personal loan is an attractive loan option that you can avail for various purposes without pledging any collateral. Whether you want to finance a medical emergency, take a much-needed family vacation, or give your home a long-awaited makeover, a personal loan allows you to tackle your urgent financial needs with utmost ease. Looking for an instant way to fund your larger expenses? Get an instant personal loan!
At Tata capital, we strive to ease your financial worries with our range of multipurpose personal loans online. Get affordable and unsecured personal finance of up to Rs. 35 lakhs at attractive personal loan interest rates. The best part? We have made the loan process extremely convenient for you with our digital application process and easy-to-meet eligibility criteria.
Loan amount offered
₹75,000 - ₹35,00,000
Loan tenure
Upto 6 Years
Interest rate starting @
10.99% p.a View Rates & Charges
Your Details
Instant Personal Loan under 5 minutes
Wondering how to get instant personal loan for your financial needs? Just follow these simple steps:
Enter Mobile Number and Name which is verified with PAN number
If pre-approved, input your Personal Loan requirement within the sanctioned limit
Enter your Personal & Banking details
If pre-approved, input your Personal Loan requirement within the sanctioned limit
Complete a one-time eMandate authorization for EMI payment
Personal Loan key features
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.
We don’t ask for any collateral or security for Personal Loans. It is an unsecured loan.
Need extra money? We let you withdraw funds upto an agreed limit by availing a Personal Loan Overdraft option. Interest is charged only on the amount utilised.
You can part prepay upto 25% of the principal outstanding at any time after 12 months of availing a Personal Loan without any penalty or additional fee. You can part prepay upto a maximum of 50% of the principal outstanding by way of part prepayment during a single year. Part prepayment amount over and above 25% will attract prepayment charges as applicable.
When can you take a Personal Loan?
Visit your Dream Destination
Is keeping a track of multiple personal loan instalments becoming a challenge? Manage your finances better by consolidating your existing personal loans into one and clear dues comfortably. Avail of a quick and easy Personal Loan from Tata Capital and reduce your EMI burden considerably.
Struggling to arrange the down payment for the property you want to buy? With a Personal Loan online from Tata Capital, book your dream house without any difficulty. Get the required funds within minutes of approval and at competitive rates.
From transportation charges to buying home essentials, moving from one city to another accompanies a slew of expenses. To make sure the process is easy on your pockets, get a Personal Loan from Tata Capital and repay the amount in flexible EMIs.
What is a Personal Loan EMI?
Personal Loan EMI or Equal Monthly Instalment is the amount that you need to pay every month for repaying your principal loan amount at the applicable rate of interest over the chosen loan tenure. It is the sum of the principal component and interest component. Besides, we offer a flexible personal loan tenure of up to 6 years, making your loan repayment much more affordable in your pocket. Get ready to experience a hassle-free loan process like never before – enjoy fast loan processing and customised instant personal loan offerings depending on your diverse financial needs. The 3 How’s of deciding the right EMI How soon do you want to pay off the Personal Loan? How much can you afford to pay in a month? How much of an interest rate are you comfortable with?
Personal Loan EMI calculator helps you calculate the EMI that you need to pay towards the principal payments and interest payment over the loan tenure. Use the personal loan EMI calculator to know how much money you can pay monthly over a period that’s comfortable for you. With the help of our Personal Loan EMI calculator, you can plan your monthly instalments and conveniently pay off the loan.
How to Check Eligibility for Personal Loan?
Applicant’s personal loan eligibility depends on various factors, including fixed monthly income, age, nature of employment, credit bureau score, professional experience, etc. For a quick Personal Loan from Tata Capital, you must fulfil the easy-to-meet eligibility criteria.
Age should be between
22 to 58 years
Minimum monthly income
should be ₹ 15,000
Minimum of one year of
work experience
What is a pre-approved Personal Loan?
When you receive a pre-approved offer for a Personal Loan, it simply means that the lender has evaluated your creditworthiness and agreed to advance a loan. So, you don’t need to go through the initial stages of the personal loan application process and receive a guaranteed loan in the least time possible. So, the overall loan processing time becomes shorter.
Generally, borrowers who have a spotless history of paying credit dues are eligible for instant pre-approved loans. However, other criteria like monthly income, credit score, age, etc., also play a decisive role.
Frequently Asked Questions (FAQs)
Up to 5.5% of the loan amount + GST
Yes, you can apply for a personal finance even if you have a low credit score. However, since your credit score indicates your creditworthiness, a low score can reduce your chances of loan approval.
But having a high credit score of 750 and above can offer you the following benefits.
#1. You can get a longer loan tenure. This means smaller EMIs that can be paid easily.
#2. You can get competitive interest rates with a high credit score.
#3. A high credit score also boosts your chances of getting a pre-approved loan.
Alternatively, you can consider applying for a joint loan with your spouse, parent, and siblings to improve your chances of loan approval.
Find the right Loan
Enter Mobile Number and Name which is verified with PAN number
If pre-approved, input your Personal Loan requirement within the sanctioned limit
Enter your Personal & Banking details
If pre-approved, input your Personal Loan requirement within the sanctioned limit
Complete a one-time eMandate authorization for EMI payment