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Home Blog Cash Loan Tata Capital Personal Loan Interest Rate

Tata Capital Personal Loan Interest Rate: EMI, Eligibility, Steps to Apply & Processing Fees in 2025

Published : September 18, 2025, 9:40 PM

Updated : September 18, 2025, 9:40 PM

Author : krishnanunni

Cash Loan

Personal Loan

2167 views

Summary

Tata Capital personal loans provide flexible financing of up to ₹35 Lakh with repayment tenures of up to six years, ideal for weddings, travel, medical needs, or home renovation. With interest rates starting at 11.50% p.a., borrowers benefit from quick approvals, minimal documentation, and digital tools like EMI calculators, loan tracking, and statements. Backed by the trusted Tata brand, these loans offer transparent charges, multiple options, and reliability, making them a strong alternative to banks and fintechs.

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Securing a personal loan is a standard financial tool for addressing various needs, whether it's for a major purchase, a medical expense, or managing existing financial obligations. For many individuals, both salaried and self-employed, a personal loan offers a way to handle these expenses without having to use up their savings. The Tata Capital personal loan interest rate is a key consideration for anyone looking to borrow. The rates are competitive and are based on a person’s credit history, income, and other factors. Loans are available up to Rs. 35 lakhs with a repayment duration that can extend up to six years, providing flexibility for borrowers.

Tata Capital Personal Loan Highlights

Understanding the key features of the Tata Capital personal loan is essential for making an informed decision about your financial needs.

Feature	Details
Loan Amount	Up to Rs. 35,00,000 [1]
Interest Rate Range	11.50% p.a. onwards [1]
Tenure	Up to 6 years [1]
Processing Fee	Up to 3.5% of loan amount + GST [1]
Prepayment Charges	4.5% of the principal outstanding after 12 months; 6.5% within 12 months [1]
Approval Time	Quick approval and disbursal within a few working hours

What are the Types of Tata Capital Personal Loan?

Tata Capital offers a variety of personal loan options to suit different financial goals and situations. This ensures that borrowers can find a product that aligns specifically with their requirements, whether for a life event, an emergency, or a business need. [1]

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Loan Type	Loan Amount	Interest Rates	Tenure	Processing Fees	Approval Time
General Personal Loan	Up to Rs. 35 Lakhs	11.50% p.a. onwards	Up to 6 years	Up to 3.5% + GST	As per company policy
Personal Loan for Wedding	Up to Rs. 35 Lakhs	11.50% p.a. onwards	Up to 6 years	Up to 3.5% + GST	As per company policy
Personal Loan for Medical Expenses	Up to Rs. 35 Lakhs	11.50% p.a. onwards	Up to 6 years	Up to 3.5% + GST	As per company policy
Personal Loan for Travel	Up to Rs. 35 Lakhs	11.50% p.a. onwards	Up to 6 years	Up to 3.5% + GST	As per company policy
Personal Loan for Home Renovation	Up to Rs. 35 Lakhs	11.50% p.a. onwards	Up to 6 years	Up to 3.5% + GST	As per company policy
Pre-Approved Personal Loan	Up to Rs. 35 Lakhs	As per the offer	As per the offer	As per offer	Quick disbursal
Personal Loan Hybrid Term Loan	Up to Rs. 35 Lakhs	14.50% p.a. onwards	Up to 7 years	Up to 3.5% + GST	As per company policy

Tata Capital Personal Loan Processing Fees and Charges

When considering a personal loan, it is crucial to be aware of all the associated costs beyond just the interest. Tata Capital has a transparent fee structure for its personal loan products, which is detailed below. [1]

Charge Type	Amount / Rate
Processing Fee	Up to 3.5% of the loan amount + GST
Prepayment Charges	4.5% of the principal outstanding after 12 months. 6.5% within 12 months of first disbursement. No charges for prepayment of up to 25% of the loan amount during the tenure.
Foreclosure Charges	4.5% of the principal outstanding after 12 months. 6.5% of the principal outstanding within 12 months of the first disbursement.
Late Payment Penalty	3% per month on the amount that is overdue
EMI Bounce Charges	Rs. 600 per instance + GST
Loan Cancellation Charges	2% of the loan amount or Rs. 5,750, whichever is higher
Stamp Duty	At actuals

How to Calculate Tata Capital Personal Loan EMI?

Calculating your monthly payment (EMI) is a simple way to plan your budget and ensure the loan is affordable. It allows you to see the exact amount you will need to pay each month. [1]

To figure out your EMI, you can use a formula or an online calculator. The formula is: EMI = P x R x (1+R)^N / [(1+R)^N-1] Where:

P is the loan amount
R is the monthly interest rate
N is the number of months for repayment

For example, for a loan of ₹5 lakhs at an annual interest rate of 11% over 5 years, your monthly payment would be ₹10,871.

Tata Capital Personal Loan Eligibility Criteria

Meeting the eligibility criteria is the first step in the loan application journey. Tata Capital has specific requirements for both salaried and self-employed individuals to ensure a smooth application and approval process. [1]

For Salaried Individuals

Age: 21 to 58 years
Minimum Monthly Salary: Rs. 15,000
Work Experience: At least one year of continuous work experience, with a minimum of six months in the current job.
Credit Score: A good credit score of 750 or above is beneficial for securing a personal loan with a favourable interest rate.

For Self-Employed Individuals

The eligibility criteria for self-employed individuals can vary. It is based on factors such as business stability, income, and financial history.

Documents Required for Personal Loan in Tata Capital

A standard set of documents is required to process your personal loan application. Having these documents ready can significantly expedite the approval and disbursal process. The primary Tata Capital personal loan documents required are: [1]

A copy of your Voter ID, Passport, Driving License, or Aadhaar Card.
A copy of your salary slips for the last two months.
The primary bank statement (salary account) for the last three months.
A certificate confirming one year of continuous employment.

How to Apply for a Personal Loan at Tata Capital Finance?

The application process for a Tata personal loan is designed to be user-friendly and can be completed through multiple channels, including a fully digital online process. [1]

Step 1: Navigate to the personal loan section.
Step 2: Enter your personal, contact, and employment details, along with the desired loan amount and tenure.
Step 3: Upload scanned copies of the required documents, such as your ID proof, address proof, and income statements.
Step 4: Tata Capital will verify your documents and run a credit check to evaluate your eligibility.
Step 5: Upon successful verification and acceptance of the loan offer, the amount is disbursed directly to your bank account.

How to Check Tata Capital Personal Loan Status Online?

You can easily monitor your Tata Capital personal loan application status through the company's digital platforms. The online customer portal offers a straightforward and secure way to track the progress of your application from submission to disbursement. [7]

Step 1: Visit the official Tata Capital website and navigate to the customer login or application tracking section.
Step 2: Log in using your registered mobile number with the received OTP, or with your customer ID and password.
Step 3: Once logged in, navigate to the 'My Loans' or 'Track Application' section to view the current status of your loan.
Step 4: Alternatively, the same status can be checked through the official Tata Capital mobile app.

How to Download Tata Capital Personal Loan Statement Online?

Accessing your loan records is a straightforward digital process. The Tata Capital Personal Loan Statement Download feature allows you to obtain official statements for your records conveniently through their customer portal. [6]

Step 1: Access the Tata Capital customer portal through their official website or mobile app.
Step 2: Log in to your account securely using your registered mobile number and OTP, or your customer credentials.
Step 3: Navigate to your active personal loan account details within the main dashboard.
Step 4: Select the option for 'e-Statement' or 'Download Statement,' choose the desired period, and download the document, which is typically provided in PDF format.

Tata Capital vs. Other Banks Interest Rates (2025 Rates)

When you are looking for a personal loan, comparing interest rates from various lenders is a wise approach. While other financial institutions may offer similar products, Tata Capital distinguishes itself with its fast disbursal process and the possibility of pre-approved offers for eligible customers.

Lender	Personal Loan Interest Rate (p.a.)	Unique Selling Proposition (USP)
Tata Capital	11.50% onwards	Backed by the trusted Tata brand, offers innovative products like Hybrid Flexi loans and transparent charges.
HDFC Bank	10.50% onwards [2]	Wide branch network and speedy disbursal for existing customers.
ICICI Bank	10.60% onwards [3]	Flexible loan products and a strong digital platform for existing customers.
Axis Bank	9.99% onwards [4]	Flexible tenures up to 7 years and a streamlined online application process.
Kotak Mahindra Bank	9.98% onwards [5]	Tailored loan products for various needs and a simple online process.

Tata Capital Personal Loan Customer Care Number & Contact Details

If you have any questions or require assistance with your personal loan, you can reach out to Tata Capital's customer care team through various channels.

Phone: 1860-419-5555, 1860-500-5555
Email: customercare@tatacapital.com
Official Website: www.tatacapital.com
Grievance Redressal: You can visit the official website to raise a complaint or escalate an issue if your initial query is not resolved.

Tata Capital Personal Loan vs. NoBroker Cash Loan - Which is Better?

Choosing between a traditional personal loan and a newer cash loan option requires a careful comparison of their features. The table below highlights the key differences between a Tata Capital Personal Loan and a NoBroker Cash Loan to help you decide which is a better fit for your needs.

Feature	Tata Capital Personal Loan	NoBroker Cash Loan
Approval Time	Quick approval and disbursement within a few working hours.	Instant approval, funds often disbursed in minutes.
Loan Amount	Up to Rs. 35 Lakhs.	Typically ranges from ₹1,000 to ₹10,00,000.
Eligibility	Specific criteria for salaried and self-employed. Requires work experience and a minimum salary.	May have more flexible eligibility, sometimes requiring less paperwork.

Get Instant Cash with NoBroker InstaCash

For those with urgent financial needs, a cash loan can be a good choice. NoBroker InstaCash, for example, offers a streamlined application process and quick disbursal. These loans are designed for immediate situations and often have minimal documentation requirements. While personal loans from traditional financial institutions provide larger sums over longer periods, a cash loan can be a more practical solution for small, time-sensitive expenses. This type of loan is often preferred for its speed and simplicity, giving you access to funds when you need them most without extensive paperwork.

Frequently Asked Questions

Q1. What is the Tata Capital personal loan interest rate in 2025?

Ans. The Tata Capital personal loan interest rate starts from 11.50% per annum. The final rate depends on the applicant's credit score, income, and other eligibility factors.

Q2. What CIBIL score is required for a Tata Capital personal loan?

Ans. A Tata Capital personal loan eligibility requires a CIBIL score of 750 or higher to secure loan approval and to be offered the most competitive interest rates.

Q3. How can I check my Tata Capital personal loan status?

Ans. You can check the Tata Capital personal loan status by logging into the customer portal on the official Tata Capital website or by using their mobile app.

Q4. How can I download my Tata Capital personal loan statement?

Ans. You can download your loan statement easily by logging into your Tata Capital account online and navigating to the loan details section.

Q5. How long does Tata Capital take to process a personal loan?

Ans. The processing time is speedy. A Tata Capital instant personal loan can be approved and disbursed within a few hours for eligible applicants with a strong profile.

Q6. What are the Tata Capital personal loan foreclosure charges?

Ans. The foreclosure charges are typically between 4.5% and 6.5% of the outstanding principal amount. Foreclosure is generally allowed only after 12 months.

Q7. How can I apply for a personal loan from Tata Capital?

Ans. You can apply online through their official website by filling out an application form and uploading the required documents for a quick and paperless process.

Q8. What is the minimum salary for a Tata Capital personal loan?

Ans. The Tata Capital personal loan minimum salary requirement is ₹15,000 per month, making it accessible to a wide range of salaried individuals.

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krishnanunni,Author

Krishnan grew up in the libraries of Thiruvananthapuram. As an engineer turned writer, Krishnan is fascinated by the stories told by cities through their buildings, culture and music. His blogs are aimed at breaking down the most relevant and actionable insights on the Indian realty sector.

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