Tata Capital Personal Loan
Tata group NBFC — flexible underwriting beyond bank norms, quick processing, and structured products for self-employed borrowers.
★ Considers profiles banks decline — newer jobs, variable income.
Tata Capital Personal Loan at a glance
- Interest rate
- 11.50% – 26% p.a.
- Processing fee
- Up to 3%
- Maximum amount
- ₹35 Lakh
- Tenure
- 1 – 6 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 personal loan offer
It takes 2 minutes. This will not affect your credit score.
Tata Capital vs other lenders on personal loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 10.75% – 21% p.a. | Up to ₹6,500 | ₹40 Lakh | Apply → |
| State Bank of India | 11.15% – 14.30% p.a. | Up to 1.5% | ₹35 Lakh (Xpress Credit) | Apply → |
| ICICI Bank | 10.85% – 16.65% p.a. | Up to 2% | ₹50 Lakh | Apply → |
| Axis Bank | 10.99% – 22% p.a. | Up to 2% | ₹40 Lakh | Apply → |
| Kotak Mahindra Bank | 10.99% – 24% p.a. | Up to 3% | ₹40 Lakh | Apply → |
| Punjab National Bank | 11.40% – 16.80% p.a. | Up to 1% | ₹20 Lakh | Apply → |
| Bank of Baroda | 11.05% – 18.75% p.a. | Up to 2% | ₹20 Lakh | Apply → |
| IDFC FIRST Bank | 10.75% – 25% p.a. | Up to 2% | ₹1 Cr | Apply → |
| Tata Capital | 11.50% – 26% p.a. | Up to 3% | ₹35 Lakh | Apply → |
| Bajaj Finserv | 11% – 32% p.a. | Up to 3.93% | ₹55 Lakh | Apply → |
Eligibility
- Age
- 21 – 60 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹20,000 / month (metro)
- Credit score
- 650+ (700+ for best rates)
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips
- Last 3–6 months' bank statements
- Passport-size photograph
Tata Capital Personal Loan FAQs
What is the Tata Capital personal loan interest rate?
Tata Capital personal loan rates currently run 11.50% – 26% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 3%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much personal loan can I get from Tata Capital?
Up to ₹35 Lakh, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of 1 – 6 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.