What is the minimum and maximum amount of Personal Loan that I can get with Tata Capital?
The minimum loan amount is 75,000 rupees while the maximum is 15,00,000 rupees. This however, depends upon your loan eligibility.
What is the tenure for which I can avail a Personal loan with Tata Capital?
The tenure offered is between 12 to 60 months.
Can I receive the Tata Capital Personal Loan statement online?
Yes. You can choose to receive your loan statement online on the email id registered with the company.
Is there a processing fee?
A processing fee is charged upfront and depends upon the loan amount and tenure.
Can I avail a personal loan for purpose of business?
Yes. A personal loan from Tata Capital can be availed for business purposes too.
Can I get a top-up on my existing personal loan with Tata Capital?
Yes. A top-up loan can be availed only in case when 8-18 EMIs have been already paid.
What are the pre-closure charges for the Tata Capital Personal loan?
There are no pre-payment charges for a Tata Capital Personal Loan if you pay the loan amount after 180 days from the disbursal of loan amount and up to 25% payment of the loan amount. In case the part payment is greater than 25% then a 2% fee is charged.
Can I apply for a Tata Capital Personal loan Online?
Customers have the option to make an online application for a personal loan. All you have to do is visit the company’s official website and click on the Personal Loans link in the Online Loans section and enter the required details, such as name, gender, date of birth, residential status, email id, mobile number, city of residence, profession, etc. Once all these details have been filled in, you will have to choose the tenure and loan amount you wish to avail after which you can submit the application and wait for its approval provided you meet all eligibility criteria.
How much time does it usually take to get the personal loan approved if I take the online route?
Customers who apply for personal loans online will receive immediate approval in about five minutes provided they qualify for the facility. The loan will be disbursed to the applicant in less than 72 hours after the customer has submitted all the relevant documents. However, whether or not your application will be approved will be solely determined by Tata Capital Financial Services Limited.
How do I check the status of my loan online?
After you have submitted your application for a loan using the company’s website, the status of your facility can be tracked by simply visiting the ‘Track my Application’ link on the official website. You will be required to furnish the loan application number along with your date of birth to retrieve the data you require.
Do I have to scan my documents and submit them online or do I have to visit a Tata Capital branch to submit them physically when applying for a personal loan?
Customers have the option of uploading their documents online as it offers the element of convenience. Alternatively, you can also choose the option of having your documents collected personally by an executive representative of Tata Capital Financial Services Limited. The executives of the company will visit you at your office or residence as per your convenience to complete the formalities.
What are the details that must be entered in the Residence address section when filling out the online application for a personal loan?
The details entered by a customer in the residence address section of the online application form must be the same as stated in the address proof you have submitted to the company. The address proof may include any one of your passport, ration card, driving license, latest mobile phone bill or in the absence of the aforementioned documents, you may submit a letter from your employer provided it contains a signature of the admin manager or authorised HR.
How do I make repayments towards the loan?
Customers have the option of repaying their personal loans through the Electronic Clearance System (ECS). All you have to do is inform the company to deduct the equated monthly instalments from the bank account you have nominated. Customers also have the option to make payments via post-dated cheques in favour of Tata Capital Financial Services Limited.
Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.
Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.
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In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.
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