Tata Capital Business Loan
Tata group NBFC — flexible underwriting beyond bank norms, quick processing, and structured products for self-employed borrowers.
★ Structured EMIs matching seasonal cash flows.
Tata Capital Business Loan at a glance
- Interest rate
- 15% – 25% p.a.
- Processing fee
- Up to 2.75%
- Maximum amount
- ₹90 Lakh (unsecured)
- Tenure
- 1 – 5 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your Tata Capital business loan offer
It takes 2 minutes. This will not affect your credit score.
Tata Capital vs other lenders on business loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 15% – 22% p.a. | Up to 2% | ₹75 Lakh (unsecured) | Apply → |
| State Bank of India | 10.75% – 16% p.a. | Up to 1% | ₹5 Cr (SME schemes) | Apply → |
| ICICI Bank | 14% – 22% p.a. | Up to 2% | ₹1 Cr (unsecured InstaBIZ) | Apply → |
| Axis Bank | 14.25% – 20% p.a. | 1.25% – 2% | ₹75 Lakh (unsecured) | Apply → |
| Kotak Mahindra Bank | 15% – 21% p.a. | Up to 2% | ₹75 Lakh (unsecured) | Apply → |
| Punjab National Bank | 11% – 15% p.a. | Up to 1% | ₹5 Cr (MSME schemes) | Apply → |
| Bank of Baroda | 10.85% – 15.50% p.a. | Up to 1% | ₹5 Cr (SME) | Apply → |
| IDFC FIRST Bank | 14.50% – 24% p.a. | Up to 2.5% | ₹1 Cr (unsecured) | Apply → |
| Tata Capital | 15% – 25% p.a. | Up to 2.75% | ₹90 Lakh (unsecured) | Apply → |
| Bajaj Finserv | 14% – 26% p.a. | Up to 2.95% | ₹80 Lakh (unsecured) | Apply → |
Eligibility
- Business vintage
- 2+ years
- Annual turnover
- ₹10 Lakh+ (varies by lender)
- Age
- 23 – 65 years
- Credit score
- 685+ recommended
Documents required
- PAN and Aadhaar of proprietor/partners/directors
- GST returns for the last 12 months
- Last 12 months' bank statements
- 2 years' ITR with financials
- Business registration proof
Tata Capital Business Loan FAQs
What is the Tata Capital business loan interest rate?
Tata Capital business loan rates currently run 15% – 25% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 2.75%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much business loan can I get from Tata Capital?
Up to ₹90 Lakh (unsecured), subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of 1 – 5 years. Use our eligibility calculator for a quick estimate.
Should I apply to Tata Capital directly or through QCred?
The rate and product are the same — but through QCred you see how Tata Capital's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.