Regulated NBFCSelf-Employed & Tradersunsecured

Tata Capital Personal Loan for Self-Employed

टाटा कैपिटल पर्सनल लोन (स्वरोजगार)

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

Max Loan Amount

₹50,000 to ₹30,00,000

Interest Rate

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

Tenure

12 to 60 months

Processing Fee

Up to 3.00% of loan amount + GST

✦ What It Is: Product Architecture & Regulatory Scope

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

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.

• 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.

✦ Key Benefits & Features

• 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.

✦ Prepayment, Part-Payment & Foreclosure Rules

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

✦ Eligibility Requirements

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

Min Age25 Years

Max Age65 Years

Min Monthly Income₹25,000

Min CIBIL Score720+

✦ Documents Required

• 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.

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

Pathway B

New Online Applicant (Fresh Digital)

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

Pathway C

Branch Walk-In Application

1. Visit nearest Tata Capital branch with 2 years ITR, P&L statement, 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 Self-Employed

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.