Tata Capital personal loan interest rates start from 10.99% p.a. The bank offers personal loans for loan amounts of up to Rs 35 lakh and repayment tenures of up to 6 years. However, the loan tenure for Tata Capital Personal Loan overdraft facility can go up to 7 years.
Tata Capital Personal Loan Interest Rates and Loan Types
| Particulars | Interest rates (p.a.) |
| Personal loan for salaried | 10.99% onwards |
| Personal loan for self employed | 10.99% onwards |
| Personal loan for women | 10.99% onwards |
| Personal loan for doctors | 12.00% onwards |
| Marriage loan | 10.99% onwards |
| Medical loan | 10.99% onwards |
| Travel loan | 10.99% onwards |
| Home renovation loan | 10.99% onwards |
| Personal loan overdraft | 13.55% onwards |
| Education Loan | 10.99% onwards |
Note: Interest rates as on 29th March 2024
Factors influencing Tata Capital Personal Loan Interest Rates
Credit Scores
Tata Capital provides personal loans to salaried applicants based on their credit scores. However, the non-banking financial company (NBFC) has not specified their personal loan interest rates matrix for prospective borrowers on the basis of their credit scores.
Tata Capital Personal Loan Eligibility Criteria
The Tata Capital Personal Loan eligibility criteria for availing its different loan products are as follows:
Tata Capital Personal Loan Overdraft Facility
- Age: 22 – 58 years
- Minimum monthly income: Rs 35,000
- Serving in the same job for at least 6 months
- Work experience of at least 2 years
Tata Capital Wedding Loan
- For salaried loan applicants
- Age: 21 – 58 years
- Minimum monthly income: Rs 20,000
- Serving for at least 6 months in the present organisation
- Work experience of at least 2 years
Tata Capital Medical Loan
- For salaried loan applicants
- Age: 21- 58 years
- Work experience of at least 1 year
- Working in the current organization for at least 6 months
- Minimum monthly income: Rs 20,000
Tata Capital Personal Loan for Educatio
- Indian national with a good academic record
- Age: 16 – 26 years
- Either loan applicant or his/her parents should have a stable income source
- Credit history of the co-applicant
- Loan applicant should have a guarantor or he should show some security
Tata Capital Personal Loan for Salaried Employees
- Age: 22- 58 years
- Loan Minimum work experience: 1 year
- Minimum monthly income: Rs 15,000
- Credit score: Minimum 750 or above
- Should have repaid his previous debts on time
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