NBFC
Tata Capital Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 10.99%–35%
- Loan Amount
- Up to ₹35 lakh
- Tenure
- 12–72 mo
Tata Capital Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 10.99% – 35% p.a.
- Loan amount
- ₹75,000 – ₹35 lakh
- Tenure
- 12 – 72 months
- Processing fee
- Up to 2.75%
- Minimum CIBIL score
- 680+
- Minimum monthly income
- ₹20,000
- Age
- 22 – 58 years
- Employment type
- Salaried, Self-Employed
Tata Capital Personal Loan EMI
Monthly EMI at the starting rate of 10.99% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,838 | ₹4,660 | ₹3,273 | ₹2,174 |
| ₹3,00,000 | ₹26,513 | ₹13,981 | ₹9,820 | ₹6,521 |
| ₹5,00,000 | ₹44,188 | ₹23,302 | ₹16,367 | ₹10,869 |
| ₹10,00,000 | ₹88,377 | ₹46,603 | ₹32,734 | ₹21,737 |
Tata Capital Personal Loan Eligibility
- Age 22–58 years
- Monthly income ≥ ₹20,000
- CIBIL ≥ 680
- Indian resident
Documents Required for Tata Capital Personal Loan
Salaried
- PAN Card
- Aadhaar Card
- Salary slips (3 months)
- Bank statements (3 months)
Self-Employed
- PAN Card
- Aadhaar Card
- ITR (2 years)
- Bank statements (6 months)
- Business proof
Pros & Cons
Advantages
- Tata brand trust and reliability
- Accepts self-employed applicants
- Tenure up to 72 months
- Good customer support
Watch out for
- Processing fee up to 2.75%
- Rate ceiling at 35%
- Slightly slower than private banks
How to Apply for a Tata Capital Personal Loan
Tata Capital's own application process
- 1Visit Tata Capital website
- 2Use EMI calculator to plan loan
- 3Apply online with basic details
- 4Upload documents digitally
- 5Credit appraisal in 24–48 hours
- 6Disbursal in 2–5 business days
Not sure Tata Capital is right for you? Compare offers from RateCut's lending partners first.
Compare OffersTata Capital Personal Loan — FAQs
What is the Tata Capital personal loan interest rate?
Tata Capital personal loan interest rates range from 10.99% to 35% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a Tata Capital personal loan?
Tata Capital requires a minimum monthly income of about ₹20,000. It lends to: Salaried, Self-Employed.
What is the processing fee for a Tata Capital personal loan?
Tata Capital charges a processing fee of Up to 2.75%, plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a Tata Capital personal loan?
Tata Capital generally looks for a CIBIL score of 680 or more. A score of 750+ improves your chances of getting a lower rate.
How long does Tata Capital take to disburse a personal loan?
As per Tata Capital's stated process: Disbursal in 2–5 business days. Existing customers with pre-approved offers are usually faster.
Is Tata Capital regulated by the RBI?
Tata Capital is a Non-Banking Financial Company (NBFC) that lends through RBI-regulated entities and must follow RBI's fair practices and digital lending guidelines.
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.