Tata Capital Personal Loan

Tata Capital requires a minimum monthly income of ₹20,000 for personal loan applicants. Salaried employees with a regular salary credit and self-employed professionals with documented income both qualify, subject to individual credit assessment.

Tata Capital charges a processing fee of Up to 2.75%. This is a one-time charge deducted from the disbursed amount. GST at 18% is also applicable on the processing fee. There are no hidden charges — all fees are disclosed upfront on Paisawaala.

The final step with Tata Capital is typically: Disbursal in 2–5 business days. For existing customers or pre-approved offers, the timeline is significantly shorter.

Tata Capital requires a minimum CIBIL score of 680. A higher score (750+) improves your chances of getting a lower interest rate. You can check your CIBIL score for free on Paisawaala before applying.

Yes, most personal loans from Tata Capital can be foreclosed after a lock-in period (typically 6–12 EMIs). Foreclosure charges may apply depending on when you close the loan and the outstanding principal. Check the loan agreement for exact terms.

Tata Capital is a Non-Banking Financial Company (NBFC) registered and regulated by the Reserve Bank of India (RBI). All lending activities follow RBI guidelines on fair practices and digital lending.