Tata Capital Personal Loan Interest Rate

Preliminary Information

Loan Details

Personal Details

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Tata Capital Personal Loan Interest Rates (May 2020)

Particulars Salaried Self-employed
Rate of Interest 11.99% - 19.00% on a yearly basis 11.99% - 19.00% on a yearly basis
Loan Amount Max: Rs.15 lakhs

Min: Rs.75000/-

For businessman:
  • Max: Rs.15 lakhs
  • Min: Rs.75000/-
For professionals:
  • Max: Rs.20 lakhs
  • Min: Rs.3 lakhs
Loan Tenure Maximum: 6 years
Minimum: 1 year
Maximum: 4 years
Minimum: 1 year
EMI (Lowest) None For professionals: Rs.8163.49/- (applicable for the maximum tenure of the lowest loan amount)
Processing charge Minimum processing charge: applied GTS + Rs.999/- (depending on the loan particulars, the charges may further move up) Minimum processing charge: applied GTS + Rs.999/- (depending on the loan particulars, the charges may further move up)
Age Minimum: 21 years
Maximum: 58 years
Minimum: 25 years
Maximum: 65 years
Prepayment fees
  • 25% and below of the outstanding principal amount in six months: No charges applied.s
  • 25% and above of outstanding principal amount: 2% of the amount paid.
  • After six months: no part pre-payment charges applied. 
  • 25% and below of the outstanding principal amount in six months: No charges applied.
  • 25% and above of outstanding principal amount: 2% of the amount paid.
  • After six months: no part pre-payment charges applied.
Foreclosure fees 4.5% on outstanding principal amount + applied GST 4.5% on outstanding principal amount + applied GST

Depending on the borrower’s background, income, previous association with other organizations and purpose of the loan, the TATA Capital Personal Loan Interest Rates are determined. Currently, it varies from 13.50% to 18% on a yearly basis. The loan repayment option includes flexible EMIs, and the rate of interest charged on personal loan by TATA Capital is subject to change depending on the bank’s discretion.

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