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Tata Capital Personal Loan

for you in Just one Click

At Tata Capital, personal loans are built around your needs. They come with competitive interest rates and flexible tenures to match the applicant's requirements. Because of this, getting a personal loan from Tata Capital has never been so quick and easy. Whether you need funds for setting up your business, education, or home improvement, Tata Capital offers a range of loan sizes to suit each occasion. They offer quick, flexible, and hassle-free finance at the best interest rates in the town. Popular among value-conscious salaried individuals and professionals for regular household expenses, home improvement, medical emergencies, and other major or minor expenses. 

Here are a few factors about Tata Capital Personal Loan

Mode of Process

Mail

Location 

PAN India

Lending Size and Tenure 

2L-25L (12M to 60 M)

ROI

10.49%-18%

ROI (Fixed/Reducing)

Fixed

Processing Fees


 

3%

Foreclosure

After 12 months as per Policies

Partial Payment Allowance

Yes after 6 Month

Dealing in Unsecured OD

3 Lac

USP

Unsecured OD & 3-5 Lac funding to Minus 1 Cibil

Negative Profile for Tata Capital Personal Loan

A negative list or negative profile is a list of areas of the city where residents would not qualify for credit approval. In India, this has been a relatively new development.

Hotel & Hospitality

Tour & Travel

Aviation Sector

Textile

Coaching Centres

Construction & Real Estate

Retail Non-Foods

Entertainment & Leisure

Agri (Rice/DalMills etc.)

Delivery & Courier Service

Medical Representatives

Profiles requiring extensive Travels

Blue Collar (NSP)

Mandir/Masjid/

Gurudwara/Church

Company which are in Liquidation or in BIFR

NGO and NRI 

 

Eligibility 

Documents Required 

  • The age of the applicant should be between 21 to 58   
  • The min. salary of the applicant should be 20K- Super Cat A/A, &  Existing Customer, 25K-Govt, 40K Other
  • The min. Employment should be for 2 years
  • Minimum CIBIL score has to be 720

 
  • KYC of Applicant (PAN+Passport Size Photo+Adhar Card)
  • Last 6 Month Salary Bank Statement in PDF
  • Last 3 Month Salary Slip if Salary
  • Ownership Proof Latest Utility Bill (If rented then rent agreement)
  • Copy of Cancel Cheque of Salary Account or Passbook front page
  • Last 2 Year Form 16 
  • Last 2 Year ITR if Filled
  • Company ID (If not available then Office Mail ID & Land Line Number)
  • Copy of Appointment Letter
  • All Running Loan Sanction letter with a repayment schedule

FAQ

A personal loan is an unsecured loan that you can get from a bank or financial organization to help you meet your financial obligations.

When you need credit, you apply for a loan. The lender verifies and accepts your personal loan application when you submit it to them. The loan money is then transferred to your bank account. You must reimburse the lender via EMIs for the duration of the loan repayment period after receiving the loan amount.

You can choose from a variety of payment plans when repaying your loan. You can opt for the standard, a fixed amount of loan and interest, or choose to pay higher/lower monthly installments in the initial months, then lower/higher monthly installments at a later date depending on your income.

Having a good CIBIL Score is always an additional point for the applicant, but you can apply otherwise too. As the loan approvals depend on the applicant’s ability to pay.

Yes, you can easily transfer your loan to TATA Capital.

Tata Capital Personal Loan by Banks

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