Tata Capital Personal Loan

Tata Capital is a financial institution that offers various loan products, including personal loans. Tata Capital personal loans can be used for various purposes, such as home renovation, medical emergencies, education, travel, debt consolidation, and other personal expenses.

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Here Are Some Key Things You Should Know About Tata Capital Personal Loans

Loan Amount

Tata Capital provides a range of personal loans from Rs. 75,000 to Rs. 25 lakhs, depending on the borrower’s eligibility.

Interest Rates

The interest rate on Tata Capital personal loans ranges from 10.99% to 22.50% p.a., depending on the borrower’s credit score, income, and other factors.

Loan Tenure

Tata Capital offers personal loans for a tenure of 12 to 72 months.

Processing fee

Tata Capital charges a processing fee of up to 2.75% of the loan amount.

Prepayment Charges

Tata Capital allows prepayment of personal loans after the payment of a minimum of 6 EMIs. However, prepayment charges may apply, depending on the loan agreement.

Eligibility criteria

The eligibility criteria for Tata Capital personal loans include minimum age of 22 years, maximum age of 58 years, and a minimum income of Rs. 15,000 per month (for salaried individuals).

To apply for a Tata Capital personal loan, you can visit the nearest branch of the institution or apply online through the website. You will need to provide the required documents and information related to your income, employment, and credit history, among others. The loan application will be processed after the verification of the documents and other details.

Tata Capital Personal Loan Eligibility Criteria

Eligibility	Details
Rate of Interest	10.99% p.a. onwards
Processing Fees	2.75% of the loan amount + GST
Tenure	Up to 6 years
Loan Amount	Rs. 75,000 to Rs. 25 lakhs
Lowest EMI per Lakh	Rs. 1,903
Age	Minimum 22 years to maximum 58 years
Minimum Income	Rs. 15,000 per month
CIBIL Score	750 & above
Minimum Work Experience	1 year
Minimum Stability at Current Job	6 months

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Key Features of Tata Capital Personal Loan

Here are some of the key features of Tata Capital Personal Loan:

Flexible loan amount

Tata Capital Personal Loan offers loan amount ranging from Rs. 75,000 to Rs. 25 lakhs, depending on the borrower’s eligibility and requirement.

Competitive interest rates

Tata Capital Personal Loan offers competitive interest rates, starting from 10.99% p.a., which are subject to change based on various factors such as loan amount, tenure, credit score, income, etc.

Flexible repayment tenure

Tata Capital Personal Loan offers flexible repayment tenure ranging from 12 to 72 months, which allows you to choose a repayment tenure as per your convenience.

Quick and hassle-free processing

Tata Capital Personal Loan has a simple application process and quick approval and disbursement process, which makes it easy for you to get the loan amount in a short time.

No collateral required

Tata Capital Personal Loan is an unsecured loan, which means that you do not need to provide any collateral or security to avail of the loan.

Minimal documentation

Tata Capital Personal Loan requires minimal documentation, which includes identity proof, address proof, income proof, and other relevant documents.

Part prepayment and foreclosure options

Tata Capital Personal Loan offers part prepayment and foreclosure options, which allows you to make early payments towards your loan and reduce your interest burden.

Online account access

Tata Capital Personal Loan offers online account access, which allows you to check your loan status, repayment schedule, and other loan-related details online.

Tata Capital Personal Loan Processing Fees and Other Charges

Here are some of the processing fees and other charges associated with Tata Capital Personal Loan:

Processing fee

Tata Capital Personal Loan charges a processing fee of up to 2.75% of the loan amount. At the time of distribution, this fee is subtracted from the loan amount.

Prepayment charges

Tata Capital allows prepayment of personal loans after the payment of a minimum of 6 EMIs. However, prepayment charges may apply, depending on the loan agreement. The prepayment charges can vary from 0% to 4% of the outstanding loan amount, depending on the time of prepayment.

Late payment charges

Tata Capital may charge a late payment fee if you fail to make your EMI payment on time. The late payment charges can vary from 2% to 4% of the outstanding EMI amount.

Part payment charges

Tata Capital may also charge a part payment fee if you choose to make a partial prepayment of your loan. The part payment charges can vary from 0% to 2% of the part payment amount.

Cheque bounce charges

If your EMI cheque bounces due to insufficient funds or any other reason, Tata Capital may charge a cheque bounce fee. This fee can vary from Rs. 500 to Rs. 1,500, depending on the loan agreement.

It is important to note that the processing fees and other charges for Tata Capital Personal Loan may vary depending on various factors, and it is recommended to check the latest information before applying for a loan.

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