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Tata Capital Personal Loan

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Are you looking for a personal loan to meet your urgent financial need? Apply online for personal loans starting at 11.50% p.a. offered by Tata Capital. Whether it's for medical emergencies, education, home renovations, travel, or weddings, find the right personal loan.

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Updated: 04-06-2025 12:28:49 PM

Tata Capital offers a wide range of personal loan schemes for loan amounts up to Rs. 35 lakh with repayment tenure up to 6 years. Tata Capital also offers instant small personal loan to salaried individuals having limited or no credit history.

Tata Capital has partnered with Paisabazaar to offer instant personal loans for its pre-approved customers at interest rates starting from 18.00% p.a. with no documentation and quick disbursals.

Read on to know more about Tata Capital personal loans, including interest rates, types, eligibility criteria, fees and charges, documents required and much more.

Tata Capital Personal Loan

                          Tata Capital Personal Loan Highlights
Interest Rate 11.50% – 29.99% p.a.
Loan Amount Rs. 40,000 – Rs. 35 lakh
Repayment Tenure 1 year to 6 years
Processing Fees Up to 5.5% of the loan amount + GST
Part-payment Charges No part-payment for the first 12 months

Note: Rates updated as of 4 June 2025.

Tata Capital Personal Loan Interest Rates in 2025

Tata Capital Personal Loan interest rates start from 11.50% p.a. onwards. Below are the 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 14.50% onwards
Personal Loan for Marriage 11.50% onwards
Medical Loan 11.50% onwards
Personal Loan for Travel 11.50% onwards
Personal Loan for Home Renovation 11.50% onwards
Personal Loan for Salaried 11.50% onwards
Personal Loan for Women 11.50% onwards
Personal Loan for Government Employees 11.50% onwards
Small Personal Loan 11.50% onwards

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 Tata capital 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.

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 11.50% 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

Tata Capital Personal Loan EMI Calculator

Personal Loan EMI Calculator
₹
%
Year(s)
Personal Loan EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

Fees & Charges

Particulars Charges
Processing Fees Up to 5.5% 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 13th 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 amount

4.5% 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 foreclosure

For 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 amount

Additional 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

 

FAQs on Tata Capital Personal Loan

What are the current interest rates for Tata Capital personal loans?

The personal loan interest rates offered by Tata capital ranges between 11.50% – 29.99% p.a.

What is the maximum personal loan amount I can get from Tata Capital?

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.

Can I use a Tata Capital personal loan for home renovation purposes?

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.

How do I apply for a personal loan with Tata Capital through Paisabazaar?

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.

What is the minimum salary requirement for Tata Capital Personal Loan?

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

Can I get instant approval on Tata Capital personal loans?

Yes, if you meet the eligibility criteria as set by the NBFC, you can avail personal loan instantly and receive quick funds at your disposal.

What is the minimum CIBIL score required for a Tata Capital hybrid personal loan?

The minimum CIBIL score required to apply for a hybrid term loan from Tata capital is 725 or above.

Are there any prepayment or foreclosure charges?

Yes, the prepayment/foreclosure charges levied by Tata Capital on its personal loan is 4.5% of the part-payment done or the principal outstanding at time of foreclosure.

How are EMIs calculated for Tata Capital personal loans?

​Tata Capital calculates Equated Monthly Instalments (EMIs) for personal loans using a standard formula that considers the loan amount, interest rate, and tenure.​

How to track Tata Capital Personal Loan?

Applicants can click on the “Track your application today” option on the personal loan page of the official website of Tata Capital and enter their registered mobile number. They can fill in the OTP sent on their mobile number and track their application.

 

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