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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Tata Capital Personal Loan provides a maximum loan of Rs. 15 lakhs. Get flexible EMIs with higher loan eligibility. Enjoy minimum documentation and verification and quick processing. Attractive interest rates available with no collateral requirement. Exclusively available on CreditMantri!
Processing Fee
3%
Max Tenure
12-72Months
Best Rate
11.04% P.A.
Features
Pricing
Documents Required
Tata Capital Personal Loan is a collateral-free unsecured loan offered at competitive interest rates. Let us look at the prominent features that make Tata Capital Personal Loan unique.
You need to submit the following documents to apply for Tata Capital Personal Loan
Tata Capital offers tailor-made personal loans to meet your specific expenses. The interest rates, documentation, and eligibility for personal loans remain the same for all personal loans. Wherever there is a special or different term, it is explained with the type of personal loan.
Minimum Loan Amount | Rs 40,000 |
Maximum Loan Amount | Rs 35,00,000 |
Interest Rate | 10.99% onwards both for Salaried and Self-employed. Maximum 28%. |
Loan Tenure | 6 months to 7 years. |
Processing fees | 1% to maximum of 2.75% of the loan amount plus GST even if the loan is not sanctioned |
Penal Interest | In case of missed or delayed EMI payment, 3% of the outstanding amount plus GST. |
Bounce charges | In case of missed EMI due to insufficient funds in the bank account, Rs 600 plus GST per bounce |
Mandate Rejection charges | Rs 450 plus GST in case the given post-dated cheques are exhausted and there is no active mandate. |
Part Payment Charges | 2.5% plus GST for part payments above 25% outstanding. Lock-in period of 12 months. At least 6 months gap between 2 part payments. maximum of 50% of the outstanding can be repaid in one year. |
Foreclosure Charges | If the loan is closed within 12 months = 6.5% of outstanding plus GST otherwise 4.5% of outstanding plus GST If foreclosed within 6 months of part payment, 4.5% of outstanding plus GST + Amount part paid |
Online via the Tata Capital website
For Instant Personal loan
If you are not an existing customer of Tata Capital,
Offline mode
You can visit the nearest Tata Capital branch and submit the application and documents. You can also call the authorized representative of Tata Capital to apply for a personal loan.
Tata Capital offers personal loans for all your needs. It is easy to get and given at affordable interest rates. You don't have to specify the end-usage purpose of taking this loan.
1. What is the maximum amount of loan can I get as a Tata Capital Personal Loan?
You can get a maximum personal loan amount of Rs 35,00,000 from Tata Capital depending on your eligibility criteria.
2. What are Flexi personal loans?
Flexi personal loans have interest charged on the outstanding balance every month. The interest is not fixed. If there is an increase in the interest rate by the bank, interest payable under a Flexi personal loan also increases.
3. What should I choose – fixed EMI or Flexi EMI?
If you expect a sudden increase in your monthly income, you can opt for Flexi EMI. Otherwise fixed EMI is preferable.
4. Does Tata Capital check my credit score?
A credit score is one of the basic eligibility criteria for getting a personal loan from Tata Capital. You shall have a minimum of 650 as a credit score. Anything above 750 is good and can get you offers on the interest rate.
5. How can I pay my Tata Capital Personal Loan EMI?
You can set up an ECS from your bank account or set up a mandate for a debit of EMI.You can also drop a cheque at the nearby Tata Capital office.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application