विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

टाटा कैपिटल पर्सनल लोन (वेतनभोगी)

Tata Capital personal loan for salaried professionals up to ₹35 Lakhs with tenure up to 84 months.

ऋण राशि सीमा₹40,000 to ₹35,00,000

ब्याज दर (APR)10.99% - 26.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 84 months

प्रोसेसिंग शुल्कUp to 2.75% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Tata Capital's flagship unsecured personal credit product for salaried professionals, offering multi-purpose funding up to ₹35 Lakhs backed by the trusted Tata brand governance.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹35 Lakhs with zero collateral • Extended repayment tenure up to 7 years (84 months) • 100% paperless digital onboarding via Tata Capital app • Fast sanction and disbursement within 24 hours.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried corporate employees with minimum 1 year total work experience. Min Age: 21, Max Age: 58. Min Net Monthly Salary: ₹20,000. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months; part-prepayment fee 2% + GST; foreclosure fee 4.5% + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN Card, Aadhaar Card • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Foreclosure lock-in of 6 full months. • Steep foreclosure fee of 4.5% + GST on outstanding principal. • Higher interest rates reaching up to 26% for lower credit tiers. • Mandatory salary credit verification.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open Tata Capital App > Loans > Personal Loan. Pre-approved limit displayed. Authenticate with OTP.

2. नए ग्राहक (ऑनलाइन):

1. Visit tatacapital.com > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest Tata Capital branch with 3 months salary slips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in Tata Capital?

Up to ₹35 Lakhs depending on your net monthly salary and credit score.

What is the foreclosure charge?

4.5% plus GST on the principal outstanding after the initial 6-month lock-in period.

What is the minimum credit score required?

A minimum CIBIL score of 720 is recommended.