TATA Capital Personal Loan Apply Online @ 10.99% March 2023

52395 Views Tata Capital

TATA Capital Personal loans – TATA Capital Offers Personal loans For Renovation of Home ✓ Marriage ✓ Laptop Purchase ✓ repayment of existing loans ✓ credit card payments etc. Check Interest Rates ✓ Eligibility ✓ Flexi EMI options online at Deal4loans.

With Flexi EMI Personal Loans from tata capital, you can get upto 25 lacs of loan amount for maximum period of 5 years. you can get loan for a holiday abroad, child’s education, home renovation, marriage or wedding, repayment of an existing loan, an emergency or even buying that precious gift for your loved one.

Tata Capital Personal loan details:

Interest Rates	10.99% – 18.00%
Max. Loan Amount	Rs. 1 Lakh to Rs. 25 Lakh
Processing Fees	upto 1% + GST
Prepayment Charges	4.5% of principal amount outstating
Min. Income	Rs.15000/- p.m
Loan Repayment	6 Years

Apply for Personal Loan

I authorize Deal4loans.com & its partnering banks to contact me to explain the product & I Agree to Privacy policy and Terms and Conditions.

TATA Capital Personal Loan Interest Rates March 2023

Category – PL	Product	Loan Amount	Proposed Rate	Existing PF	Proposed Flat PF
Super CAT A/ CAT A/ TGE	PL- Term Loan Only – BT & Fresh	>15 Lacs in Top Mkt	10.49%	1.25%	4999/-
		>10 Lacs in Top Mkt & > 7.50 Lacs in Emerging Mkt	10.75%	1.25% & 1.50%	3999/-
		>7.50 Lacs in Top Mkt & >5 Lacs in Emerging Mkt	10.99%	1.25% &1.50%	2999/-
CAT B/ CAT C		>15 Lacs in Top Mkt	10.99%	1.99%	4999/-
		>10 Lacs in Top Mkt & >7.50 Lacs in Emerging Mkt	10.99%	1.99%	3999/-
		>7.50 Lacs in Top Mkt & >5 Lacs in Emerging Mkt	11.49%	1.99%	2999/-

If a customer is looking for Balance Transfer and Fresh Loan of above 15 lakh , the below offer is available

Loan Amount	IRR	Processing Fees(+GST)
Loan amount >=15 lakh	10.99%	INR 4999

In below table we have explained Salary Norms and Loan Amount capping rules for employees working in different categories. Tata Capital Has categorized its customers depending on the companies they are working in like Tata Group companies, Super Cat A, Cat A, Cat B, Cat C and Government organizations.

Basis on that the lender has capped the maximum loan amount it can provide to a customer.

Salary Norms	TGE & Super Cat A	CAT A	CAT B	Cat C	FOIR Cap
< INR 25,000	3 Lacs	NA	NA	NA	50%
INR 25,000 to < INR 50,000	7.5 Lacs	6 Lacs	5 Lacs	3 Lacs	60%
INR 50,000 to < INR 75,000	15 Lacs	10 Lacs	7.5 Lacs	6 Lacs	65%
>= INR 75,000	20 Lacs	15 Lacs	10 Lacs	7.5 Lacs	75%

Tata Capital calculates its loan amount basis on FOIR. And different percentage is applicable to different salary norms.

Tata capital offers personal loans to Salaried employees of MNC / Public Ltd, Co/large pvt ltd, State Govt, Central Govt & PSU companies.

Why Choose Tata Capital Personal Loans?

✓ Repayment period of upto 5.5 years or 66 months.
✓ Maximum loan amount upto 25 lakhs
✓ Attractive & lowest interest rates offer
✓ Instant approvals through online platform
✓ Minimum documentation
✓ No Security & Guarantors.

Segment	MNC Public Ltd. Co/Large Pvt. Ltd. State Govt. /Central Govt. PSU
Age	Between 21-58 Years
Job Continuity	Should have a job and worked with the current employer for at least 1 year
Minimum Income	Rs.20,000 per month
Minimum Loan Amount	Rs.75,000
Maximum Loan Amount	Rs.15,00,000
Tenure	12-60 Months
Documents Required	Identity Proof: Voters ID /Passport/Driving License Address Proof: Ration Card/Electricity Bill/Rental Agreement/ Passport. Bank Statement for the last 3 Months Latest Form 16 Most Recent Salary Slip or current dated Salary Certificate

Basic Requirement for Loan Approval from TATA Capital

You will need to have your details including your PAN number, Aadhar Number as well as a CIBIL score, while you apply for a personal loan online.
To be eligible, you will also need your pay income slips, address proof as well as bank statements to be uploaded for faster approvals and disbursal of the personal loan.

What does a Personal Loan cover?
You can take a personal loan for a variety of reasons. We provide you personal loans to cover the following purposes:

Personal Loan for Wedding and Marriages
Personal Loan for Education and Higher Studies
Personal Loan for Travel and Holidays
Personal Loan for General Purposes

Documents Required for Salaried / Self Employed Professional / Self Employed Non Professional

Parameters	Self Employed Professionals	Self Employed Individuals
Age	25-65 Years	25-65 Years
Business Continuity	Min. 3 years in the same business and city	Min. 3 years in the same business and city
Minimum Income	Rs.2,00,000 per year	Rs.2,00,000 per year
Minimum Loan Amount	Rs.75,000	Rs.75,000
Maximum Loan Amount	Rs.15,00,000	Rs.15,00,000
Tenure	12-48 Months	12-48 Months
Documents Required	Identity Proof: Voters ID /Passport/Driving License Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate. Banks Statement for the last 6 months Highest Professional Degree Latest Income Tax Return(ITR)	Identity Proof: Voters ID /Passport/Driving License Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate. Banks Statement for the last 6 months Latest Income Tax Return(ITR) along with the computation of income, Balance sheet(B/S) and Profit& Loss(P&L) for the last 2 years certified by a CA. Proof of Continuation: Trade License/Sales Tax Certificate/Establishment.

Tata Capital Personal Loan EMI Calculator

Looking for exact EMI per month calculation for the loan amount? So Here’s the example which helps you to know more how much you have to pay per month as EMI.

So Below is the table.

Let’s calculate the EMI per month on the basis of 12.50% ROI for 4 Years Repayment period.

Loan Amount	EMI per month
1 Lakh	INR 2658
2 Lakh	INR 5316
3 Lakh	INR 7974
4 Lakh	INR 10632
5 Lakh	INR 13290

Other Products of TATA Capital available in India