Tata Capital

PERSONAL LOAN

We all have dreams. We often dream of a refreshing holiday trip, a perfect wedding, to renovate our home or to buy that cool gadget. You can realise all your dreams with Tata Capital Personal Loan scheme. Some of the salient features of Tata Capital Personal Loan are

1. Fixed reducing rate of interest
2. No collateral required
3. Easy and speedy paperwork
4. Loan tenure of upto 60 months

Tata Capital offers customized personal loan solutions for salaried and self-employed. One can avail loan amount from 75,000 to 15,00,000 INR.

Eligibility Criteria

• 21-58 years of Age
• Minimum of 20,000 INR salary per month
• Min. 2 years of work experience
• Loan  tenure is 12 to 72 months

Documentation Required

• Proof of Identity- Passport/ Driving License/ Pan Card/ Voter ID Card
• Proof of Residence- Leave and License Agreement/ Utility Bill/ Passport
• Last 3 months bank statement
• Salary slip for 3 months
• 2 years employment continuity proof

Interest Rates & Other Charges

Interest Rates	12.50-19.50% - 22%
Processing Fee	Depends on the Loan Amount
Prepayment Charges	After 6 months- Nil Before 6 months- Only 25% of Loan can be paid. Beyond that 2% of principal outstanding
Late Payment Charge	24% per annum
Loan cancellation Charge	2%
EMI Bounce Charge	450 INR Per Bounce

So, whatever your dream is, don’t wait anymore and apply at Tata Capital Personal Loan to get hassle free loans.

HOME LOAN

Tata Capital Home Loan provides easy loans to realise your dream of having your own beautiful home. Tata Capital home loans provide flexible interest rates, easy payment options and fast disbursal. Tata Capital also offers pre-approved home loans for chosen projects.

Eligibility Criteria

Applying for home loan depends on several factors. Some of the factors are

1. Applicant must be 24 years of age
2. Salaried, Self-employed both can apply
3. Maximum age limit is 65 years before superannuation

Documents Required

Salaried	Self-employed Professional	Self-employed Non-professional
Application form	Application form	Application form
Identity, Address proof	Identity, Address proof	Identity, Address proof
Last 6 months bank statement	Last 6 months bank statement	Last 6 months bank statement
Last 3 months salary slip	Last 3 months salary slip	Last 3 months salary slip
Processing fee cheque	Proof of Business existence	Proof of Business existence
Form 16	Last 3 years IT returns	Last 3 years IT returns
-	Last 3 years audited P & L statement	Last 3 years audited P & L statemen

Interest Rates and Other Charges

Interest Rates	9.45% - 9.55%
Loan Amount	40 Lakh - 10 Crore
Loan Processing Fee	5000-10,000 INR
Prepayment Fee	2% of principal outstanding
Late Payment Charge	24% per annum

Tata Capital also has pre-approved projects in various cities across India. Check out various cities that have pre-approved projects from Tata Capital Home Loan. he disbursal is quick and hassle free. Tata Capital also provides loan for various customized homes for NRIs and Indian-Residents across various projects in the country like Rural Housing Finance, Urban Housing Finance, Affordable Housing Finance.

LOAN AGAINST PROPERTY

Tata Capital Loan Against Property (LAP) offers mortgage loan against property at attractive interest rates for long tenures. So, if your loan requirement is high and you want a longer payout period Tata Capital Loan Against Property is the best loan instrument for you. Tata Capital offers quick disbursal and hassle-free documentation process for the Tata Capital Loan Against Property.

Some of the key features of Tata Capital Loan Against Property are

1. Loan upto 15 lakh
2. Flexible interest rates ranging from 12.5% - 19.5%
3. Loan tenure varies from 12 to 108 months
4. Hassle-free documentations
5. 2.5% Processing fee

If you want to avail higher loan amount for any of your personal or business needs for a longer loan tenure, Tata Capital Loan Against Property is the right financial tool for you.