Regulated NBFCSalaried Employeesunsecured

Tata Capital Personal Loan for Salaried

टाटा कैपिटल पर्सनल लोन (वेतनभोगी)

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

Max Loan Amount

₹40,000 to ₹35,00,000

Interest Rate

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

Tenure

12 to 84 months

Processing Fee

Up to 2.75% of loan amount + GST

✦ What It Is: Product Architecture & Regulatory Scope

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.

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• 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.

✦ Key Benefits & Features

• 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.

✦ Prepayment, Part-Payment & Foreclosure Rules

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

✦ Eligibility Requirements

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.

Min Age21 Years

Max Age58 Years

Min Monthly Income₹20,000

Min CIBIL Score720+

✦ Documents Required

• 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.

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

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

Pathway B

New Online Applicant (Fresh Digital)

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

Pathway C

Branch Walk-In Application

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

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (Tata Capital Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on Tata Capital Personal Loan for Salaried

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.