Tata Capital Personal Loan Tata Capital Personal Loan interest rate starts from 10.99% at present. Under Tata Capital Personal Loan, you can take a personal loan up to Rs 35 lakh. You can take this loan for a loan tenure of 12 months to 72 months.
In this article, we will provide you complete information about Tata Capital Personal Loan in detail, so read this article till the end.
Tata Capital Personal Loan in Hindi
You can take this personal loan for any of your personal expenses like marriage, education, buying or repairing a house, medical expenses. Since the personal loan falls under the category of an unsecured loan, the lender checks your CIBIL score and provides your loan amount on that basis.
You can take advantage of the lender’s attractive personal loan interest rates if you fulfill all the terms and conditions of the Tata Capital Personal Loan. You can take a personal loan from Tata Capital up to Rs 35 lakh. To get the Tata Capital loan statement, you need to visit its official website.
You can visit the official website of the lender Tata Capital Personal loan EMI Calculator With the help of this you can calculate the EMI of your loan and know how much installment you will have to pay at the time of loan repayment.
HIGHLIGHTS:
| loan name | Tata Capital Personal Loan 2022 |
| name of lending institution | Tata Capital |
| loan amount | up to Rs 35 lakh |
| Rate of interest | Starting from 10.99% |
| processing fee | 2.75% of loan amount + GST |
| loan tenure | up to 6 years |
| official website | tatacapital.com |
Tata Capital Personal Loan Interest Rate 2022
Tata Capital Personal Loan interest rate 10.99% p.a. starts with | The interest rate of Tata Capital Personal Loan depends on your personal loan eligibility, income, CIBIL score and other criteria.
Personal loan depends on several factors which are as follows:
- Applicant’s CIBIL Score
- repayment capacity
- revenue
- loan tenure
- loan amount
- Employer’s reputation
- nature of employment
- debt-to-income ratio
- financial history
Personal Loan Fees & Charges
Below we are giving you information about the Fees & Charges applicable on this personal loan, you can see it:
Processing fee: From Tata Capital up to 2.75% of the loan amount + GST from you Processing fee can be taken. If your loan is not approved, then this processing fee is given back to you.
Penal interest/extra interest (penal interest/extra interest): Penal interest is the rate of interest that is charged to you for delay in monthly installments. Tata Capital charges you the delayed installment payment. You have to make this payment at 3% + GST on overdue amount per month.
Foreclosure and pre-payment/part-payment chargesForeclosure charges: If you pay off your loan in part or full before time, then the fee charged on it is called foreclosure fee. Tata Capital does not charge any foreclosure charges on loans with floating interest rates.
But in some cases you are charged foreclosure fee which you can understand from the table given below:
| part payment fee | This bank will give you partial payment before 6 months does not allow Part prepayment is allowed once per year and two partial Maximum of the outstanding principal as part prepayment during a year A partial prepayment fee of 2.5% + applicable taxes from 25% of the principal outstanding |
| foreclosure charges | 4.5% of principal outstanding at the time of foreclosure + GST |
| Foreclosure charges for top-up | 2.50% + GST on the outstanding principal at the time of foreclosure |
| Foreclosure charges on term loan facility | 4.5% + GST on the outstanding principal at the time of foreclosure |
| foreclosure letter fee | Soft Copy – Nil
Branch Walk-in Rs.199 + GST |
Apart from this, other charges are also charged from you on this personal loan, which you can see in the table given below:
| bounce fee | Rs.600 each cheque/payment instrument dishonored + GST |
| Mandate Rejection Service Fee | ₹450 + GST |
| CCOD Annual Maintenance Fee | 0.25% + GST or ₹ 1000 on dropline amount |
| external storage fee | Rs.100 + GST per repayment period |
| statement of accounts | Soft Copy – Nil Branch Walk In – Rs.250 + GST |
| loan cancellation fee | 2% of the loan amount or Rs 5,750, whichever is higher + GST |
| instrument swap fee | Rs.550 + GST |
| duplicate repayment schedule | Soft Copy – Nil Branch Walk In – Rs 550 + GST |
| duplicate NOC | Rs.550 + GST |
| post dated check charges | Rs 850 + GST |
Benefits and Features of Tata Capital Personal Loan
- Any salaried person, student, retired person can apply for Tata Capital Personal Loan.
- You do not need to provide any security, collateral or guarantor to take Tata Capital Personal Loan.
- You can repay this personal loan in 12 months to 72 months.
- Depending on your income, you can select the option of low or high EMI in the initial months and less or more EMI in the subsequent months.
- Tata Capital allows you to transfer personal loan to Tata Capital.
- Once you apply for this loan and your loan is approved after the verification process is completed, then the amount of this loan is transferred to your account by the bank in at least 72 hours.
- On this personal loan, you have to pay 2.75% + GST of the loan amount.
Tata Capital Personal Loan Types
Tata Capital offers you various types of personal loans which are as follows:
- travel loan
- medical loan
- marriage loan
- education loan
- home renovation loan
Tata Capital Personal Loan Documents Required
- Photo Identity Proof (Voter ID / Passport / Driving License / Aadhar Card)
- Income proof (a copy of your bank statement for the last six months)
- Salary slip (a copy of your salary slip for the last three months)
- Residence Certificate (A copy of your Ration Card / Electricity Bill / Passport)
- Employment Certificate (Certificate of one year continuous employment)
Tata Capital Personal loan Eligibility
- If you are a student then you can take advantage of this loan for your education related expenses or other expenses.
Personal Loan Eligibility for Salaried Individuals:
- The loan eligibility depends on your job stability, income, age, work experience and CIBIL score.
- Age should be between 22 to 58 years
- Minimum monthly income should be ₹ 15,000
- Minimum one year work experience
Personal Loan Eligibility for Self Employed Individuals:
- Monthly income of at least ₹ 15,000
- Age should be between 22 to 58 years
- At least one year work experience
How to apply for Tata Capital Personal Loan?
You can apply for Tata Capital personal loan both online and offline. Both the process of applying have been told to you here:
Tata Capital Personal Loan Apply Online
- website home page personal loan An option will appear, click on it.
- After clicking, a new page will open.
- After coming to the new page, all the information related to personal loan will come in front of you.
- on this page you Apply Now An option will appear, click on it.
- A form will open in front of you. In this form, you have to enter the requested information correctly and submit the form.
- After that the bank officials will contact you.
- Your documents will be verified and if you fulfill all the conditions of the bank then your loan will be approved.
How to apply offline?
- To apply offline, you have to first go to your nearest bank branch.
- After going to the bank, the bank official will have to tell you that you want to apply for personal loan.
- The bank official will provide you all the information related to personal loan.
- After that, based on your documents and your CIBIL score, it will tell you how much loan amount you can get.
- If you have all the eligibility then the loan process is carried forward.
- After that you are given a form in which you have to enter all the requested information correctly.
- After that the form has to be submitted in the bank.
- After all the loan processing is done, the loan amount is transferred to your account.
How to check Tata Capital personal loan status?
- First Tata Capital official website But have to come.
- after visiting the website Track My Application Click on the option.
- With the help of your mobile number or PAN number, you can easily check the status of your application.
Tata Capital Personal Loan Customer Care Number
Conclusion
Friends, in this article I have told you How to avail Tata Capital Se Personal Loan? Provided complete information about Anyone can solve their money problems by joining Tata Capital Personal Loan.
You can apply for the cheapest personal loan by comparing personal loans from different lenders. If you want to get any other information regarding this loan, then you can contact on its helpline number.
Questions Related to Tata Capital Personal Loan:
You can get your loan closed by visiting the nearest branch of Tata Capital.
Starts at 10.99%.
You can take loan up to Rs 35 lakh.