A ₹15,000 income floor, and up to ₹35 lakh for a strong file
Figures published by Tata Capital as of 3rd August 2026. Indicative, not an offer.
Tata Capital prices from 10.99% p.a. and lends up to ₹35 lakh over terms to 72 months, with a processing fee of up to 3.5% plus GST. The income floor is ₹15,000 net a month, the lowest of any lender on this panel offering a ceiling this high, so the product spans a broad range of applicants.
The bureau bar is a CIBIL score of 725 and applicants need to be between 21 and 58 with a year of work experience. A Hybrid Term Loan variant is also offered at 12.99% or 14.50%, which lets a borrower pay interest only for an initial period before the principal begins amortising.
The Hybrid Term Loan trades a higher rate for a lighter EMI during the interest-only phase. It costs more overall, so it suits a specific cash-flow gap rather than general borrowing.
| Product or borrower segment | Interest rate |
|---|---|
| Standard personal loan | 10.99% p.a. onwards |
| Hybrid Term Loan, interest-only period | 12.99% p.a. |
| Hybrid Term Loan, alternative structure | 14.50% p.a. |
| Existing customer top-up | Priced against the running loan |
Opens at 10.99% p.a., the lowest rate Tata Capital publishes. Raise it to see what a weaker bureau score would cost you.
Reducing-balance interest, the same basis the lender quotes on. The interest figure is what the loan adds to the amount you borrow.
Early instalments are mostly interest. The principal only starts falling quickly in the closing years, which is why prepaying early saves so much more than prepaying late.
| Year | Principal paid | Interest paid | Balance |
|---|
An unusual combination. Most lenders pairing a high ceiling with serious underwriting want ₹25,000 or more a month.
Interest-only instalments for an initial period, after which the principal starts amortising. Useful when income is expected to step up.
Earlier than the twelve-EMI lock-in most banks apply, so surplus cash can go against the principal sooner.
Salaried applicants, professionals and self-employed borrowers are all assessed, with returns accepted in place of salary slips.
Processing and foreclosure charges routinely outweigh a small difference in rate. Read these against the rate table above.
Meeting these is what gets the file assessed. Where you land inside the rate band is decided separately, by your bureau record.
Every rate you check and every offer you compare credits coins to your wallet, and they convert 1:1 into rupees.
More in total. The interest-only phase keeps early instalments light, but nothing comes off the principal during it, so the interest bill over the full term is higher than on a standard loan.
No. The two figures are independent limits — the income floor decides whether you are considered, the EMI cap decides how much. On ₹15,000 a month the realistic sanction is under ₹3 lakh.
After six EMIs, which is earlier than most of this panel. A full foreclosure carries 4.5% of the outstanding principal plus GST.
9.99% onwards
Up to ₹40 lakh · fee Up to 2%
Read the terms →10.00% - 30.00%
Up to ₹55 lakh · fee Up to 3.93%
Read the terms →12.00% - 22.50%
Up to ₹25 lakh · fee Up to 2%
Read the terms →9.99% onwards
Up to ₹50 lakh · fee Up to ₹6,500
Read the terms →