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Tata Capital Business Loan

Tata Capital offers collateral-free business loans which you can avail to start or revamp your business, purchase new machinery, launch a new store, etc. The interest rate on the business loans start from 19% p.a. and you can avail loans ranging between Rs.5 lakh and Rs.75 lakh. You can pay the loan in flexible repayment tenures ranging from 12 months to 36 months.

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Interest Rate

Loan Amount

Repayment Tenure

Processing Fee

19% p.a. Onwards

Up to Rs.75 lakh

12 months to 36 months

Up to 2.50% of the loan amount plus GST

Charges Associated with Tata Capital Business Loan

Particulars

Charges

Penal Interest

3% on overdue amount per month plus GST

Bounce Charges

Rs.2,000 for every cheque/payment instrument dishonor plus GST

Mandate Rejection Charges

Rs.450 plus GST

CCOD Annual Maintenance Charges

  1. 0.75% or 1000 whichever is higher for the first year and payable at the end of 13th month
  2. 0.50% or 1000 whichever is higher for the subsequent year and payable at the end of 13th month

Document Processing Charges

Rs.1,999 plus GST

Outstation Collection Charges

Rs.100 plus GST per repayment instrument

Statement of Accounts

  1. Nil for soft copy
  2. Rs.250 plus GST for branch walk-in

Foreclosure Charges

4.5% on the future principal outstanding on existing loan plus GST

Foreclosure Charges for Top-Up

2.25% on the future principal outstanding on existing loan plus GST

Foreclosure Charges in CCOD cases

4.5% on the drop-down limit amount plus taxes applicable No foreclosure charges allowed for the first 9 months. 6.5% charge will be levied if foreclosed within 9 months

Loan Cancellation Charges

2% of loan amount or Rs.5,750 whichever is higher plus GST

Instrument Swap Charges

Rs.550 plus GST

Duplicate NOC

Rs.550 plus GST

Duplicate Repayment Schedule

  1. Nil for soft copy
  2. Rs.550 plus GST for branch walk-in

Foreclosure Letter Charge

  1. Nil for soft copy
  2. Rs.199 plus GST for branch walk-in

Post-Dated Cheque Charges

Rs.850 plus GST

Eligibility Criteria to Avail a Business Loan from Tata Capital

To avail a business loan from Tata Capital, you need to fulfil the below-given criteria:

  1. You should be aged between 25 years and 65 years.
  2. Your business should have made profit in the last three financial years.
  3. The turnover of your business should show an upward trend.
  4. The balance sheet of your business should be audited by a registered Chartered Accountant (CA).
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Documents Required to Avail a Tata Capital Business Loan

While applying for a business loan from Tata Capital, you will be expected to furnish the following documents:

Proof of Identity

Voter ID/Aadhaar Card/Passport/Driving License

Bank Statements

Last 6 months bank statements

Proof of Business

Ownership documents, Sales Tax/Trade License/Establishment Certificate, Partnership Deed, Income Tax Returns (ITR), Balance Sheet, and Profit/Loss Statement

Application Form

Filled and duly signed

Photograph

Passport size

EMI Options Offered on Tata Capital Business Loan

When you avail a business loan from Tata Capital, you can choose between two equated monthly instalment (EMI) options:

  1. Fixed EMI - Under this option the principal amount and the interest offered remains fixed throughout the loan tenure chosen by you. You can choose this option if you have a steady income.
  2. Structured EMI - Under this option, you can choose a repayment method which is the most convenient for you. You will have the option of customising your EMI options as per your financial requirements. This option is suitable if you are sure that your income is likely to increase on a regular basis.

Why Avail a Business Loan from Tata Capital?

  1. No collateral required to avail the loan.
  2. The loans can be customised to meet specific business needs.
  3. Offers structured EMI option.
  4. Higher loan amounts can be availed.
  5. Loans can be repaid through Electronic Clearing Service (ECS) or auto debit facility.
  6. The interest rates are affordable and competitive.
  7. The documentation required is minimal.
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FAQs on Tata Capital Business Loan

  • How do I avail a business loan from Tata Capital?

    Ans: There are 3 ways by which you can apply for a business loan from Tata Capital. The first way is the online method wherein you need to visit the official website of Tata Capital, fill up a form, and upload the necessary documents. In the second method, you can visit the nearest branch of the Tata Capital and apply for the business loan. The third method will require you to call the customer care of Tata Capital at the toll-free number 1800-209-6060. The helpline is available from 9:00 a.m. to 8:00 p.m. Monday to Saturday

  • What is the EMI amount I need to pay towards my business loan?

    Ans: The EMI amount that you need to pay towards your Tata Capital business loan will depend on the amount of loan you avail, the tenure you choose, and the interest rate. You can calculate the EMI amount by using the EMI Calculator Tool on the BankBazaar website.

  • Is the interest rate on my Tata Capital business loan floating or fixed?

    Ans: The interest rate on the business loan from Tata Capital is fixed which means there will be no change in the EMI throughout the loan tenure.

  • What are the ways to repay my business loan availed from Tata Capital?

    Ans: Business loans availed from Tata Capital can be repaid through direct debit, post-dated cheques, and ECS.

  • I have a nursing home. Am I eligible to get a business loan from Tata Capital?

    Ans: Yes, you are eligible to get a business loan from Tata Capital if you own a hospital, nursing home, pathological lab, diagnostic center, etc. The other customer segments eligible for business loans are partnership firms, sole proprietorship, societies, trusts, private limited companies, etc.

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