Tata Capital
Tata Capital Limited is one of India’s leading Non-Banking Financial Companies (NBFCs) and a part of the Tata Group. It offers a wide range of financial solutions for individuals, professionals, MSMEs, and businesses. Tata Capital is known for its quick loan approvals, digital application process, flexible repayment options, and customer-focused services. It provides Home Loans, Personal Loans, Business Loans, Loan Against Property, Vehicle Loans, Education Loans, and more.
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Tata Capital Loan Interest Rates
| Loan Type | Interest Rate (p.a.) | Processing Fee | Loan Amount | Repayment Tenure |
|---|---|---|---|---|
| Home Loan | Starting from 8.75% | Up to 2% + GST | Up to 90% of property value | Up to 30 Years |
| Personal Loan | Starting from 10.99% | Up to 5% + GST | Up to ₹35 Lakhs | Up to 6 Years |
| Business Loan | Starting from 12.00% | Up to 3% + GST | ₹1 Lakh – ₹90 Lakhs | 12–60 Months |
| Loan Against Property | Starting from 9.25% | Up to 2% + GST | Based on property value | Up to 20 Years |
| Education Loan | Starting from 11.50% | Up to 2% + GST | Based on eligibility | Up to 15 Years |
| Vehicle Loan | Starting from 10.75% | Up to 2% + GST | Based on vehicle value | Up to 7 Years |
EMI Calculator – Calculate Your Monthly Loan EMI Instantly
Use the BorrowRight EMI Calculator to estimate your monthly EMI, total interest payable, and total repayment amount for Home Loans, Personal Loans, Car Loans, Business Loans, and Loan Against Property. Adjust the loan amount, interest rate, and tenure to find the repayment plan that fits your budget.
This layout is user-friendly, improves engagement, and can encourage more visitors to submit loan inquiries.
Eligibility Criteria
Salaried Applicants
- Age: 21–65 years
- Stable monthly income
- Good credit score (preferably 675+)
- Minimum work experience as per company policy
Self-Employed Applicants
- Age: 21–65 years
- Stable business income
- Minimum business continuity of 2 years
- Good repayment history
Documents Required
Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
- Voter ID
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
For Salaried
- Last 2–3 Salary Slips
- Bank Statements (3–6 months)
- Employment Certificate (if required)
For Self-Employed
- Last 2 Years ITR
- GST Registration (if applicable)
- Business Proof
- Financial Statements
- Bank Statements
Loan Charges
| Charge | Details |
|---|---|
| Processing Fee | Up to 5% + GST for Personal Loans; varies by loan product. |
| Documentation Charges | Applicable for selected loan products. |
| Late Payment Charges | Penal charges of up to 3% per month on overdue amounts. |
| Foreclosure/Prepayment Charges | Applicable as per the loan product and agreement. |
| EMI Bounce Charges | ₹600 per failed payment instrument. |
| Mandate Rejection Charges | ₹450 + GST per rejected mandate. |
| Loan Cancellation Charges | 2% of the loan amount or ₹5,750, whichever is higher. |
| GST & Government Taxes | Applicable on processing fees and other service charges. |
Why Choose Tata Capital?
- ✔ Trusted Tata Group company
- ✔ Quick online loan approval
- ✔ Minimal documentation
- ✔ Flexible EMI options
- ✔ Competitive interest rates
- ✔ Digital loan application and tracking
- ✔ Loans for salaried, self-employed, and businesses
- ✔ Dedicated customer support