विनियमित एनबीएफसी (Regulated NBFC)स्वरोजगार एवं पेशेवरस्वीकृति गति: 2 to 3 working days.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

टाटा कैपिटल पर्सनल लोन (स्वरोजगार)

Tata Capital personal loan for self-employed professionals and business owners up to ₹30 Lakhs.

ऋण राशि सीमा₹50,000 to ₹30,00,000

ब्याज दर (APR)12.00% - 26.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST

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

उत्पाद का संक्षिप्त विवरण

Unsecured credit facility provided by Tata Capital to self-employed professionals, traders, and small business owners to meet personal and operational cash requirements.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹30 Lakhs without pledging business assets • Repayment tenure up to 5 years (60 months) • Fast-track processing for registered professionals • Simplified digital ITR verification.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Self-employed professionals, traders, and proprietors with at least 3 years business continuity. Min Age: 25, Max Age: 65. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months with 4.5% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN, Aadhaar, Business Registration • Financial Proof: Last 2 years ITR-V with Computation of Income • Bank Statement: Last 12 months current account statements.

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

• Minimum 2 years of ITRs required with taxable income >= ₹2.5 Lakhs/year. • Business vintage of at least 3 years required. • Foreclosure penalty of 4.5% + GST applies.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Existing Tata Capital customers apply via app with ITR acknowledgement.

2. नए ग्राहक (ऑनलाइन):

1. Visit tatacapital.com > Self-Employed Loan. Submit PAN, GST certificate, and last 2 years ITR-V.

3. बैंक शाखा में जाकर:

1. Visit nearest Tata Capital branch with 2 years ITR, P&L statement, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the minimum business vintage needed?

At least 3 years of continuous operation in the same business line.

What is the foreclosure charge?

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

Is collateral required?

No collateral or asset mortgage is required.