Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Tata Capital Loan Against Property is Rated as "Great!" by 2893 Users
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    Tata Capital Loan Against Property

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    TATA Capital provides secured loans that are ideally aimed to provide financial aid towards personal or business needs by utilising the value of an owned property.

    Where can a TATA Capital Loan against Property be used?

    This secured loan is provided to salaried and self-employed individuals alike on properties that are commercial or residential. The loan thus availed can be used for personal or business needs for any term (subject to the repayment period).

    Who is eligible for TATA Capital Loan against Property?

    A secured loan, this business loan has a few eligibility criteria to be met in order for the financial institution to be able to sanction the loan. The eligibility requirements can be mentioned as follows –

    1. Applicants can be individuals, professionals, sole proprietorships, partnership firms and private limited companies (including closely-held public limited companies) but compulsorily Indian residents

    2. Applicants should be at least 25 years of age when the loan is sanctioned and at most 60 years of age at the time of loan maturity

    3. The minimum gross salary or net profit per financial year should be INR 240000 to INR 300000

    4. The minimum occupational stability for individuals and non-individuals is 3 years, and non-individuals need to have a minimum of 2 years of cash profit

    What are the types of financing under TATA Capital Loan against Property?

    Loan against Property from TATA Capital is a specific term loan with repayment period of up to 15 years.

    What are the loan limits under TATA Capital Loan against Property?

    Based on the credit-worthiness of the applicant, validity of documents and value of the property, TATA Capital can provide loans from INR 5 lakhs up to INR 5 crores.

    What are the interest rates?

    Interest rates for a Loan against Property could depend on the base lending rate and be anything from 12% per annum to 15% per annum. Changes to the rates are based on TATA Capital’s discretion. The mentioned rates are as per November 2015.

    What documentation is required during applying for Tata Loan against Property?

    The standard list of required documents for applying for this loan are mentioned as follows –

    1. PAN Card – For Individual, Partnership Firm, Company

    2. Identity Proof – Either of Voter ID, Driving License, Passport or Aadhaar Card

    3. Address Proof – Either of Voter ID, Driving License, Passport, Telephone Bill, Electricity Bill, Registered Lease Deed or Sale Agreement or Bank Statement

    4. Ownership proof of either residence or office either in the name of applicant or jointly with family members

    5. Business Continuity Proof – Any one of the mentioned documents dated 5 years old (Bank Statement, Sales Tax Challans, IT Returns, Shops & Establishment Certificate, Certificate of Incorporation, Partnership Deed)

    6. Letter certifying end use of the business loan funds on official business letterhead

    7. Passport Size Photographs of all applicants and co-applicants.

    Financial documents required while applying for the loan will include and might not be limited to -

    1. Latest audited ITR and financials for the last 2 years or latest 3 month salary slip or latest Form 16

    2. Bank statements from the main account/s for last 6 months and 3 months of all other bank accounts mentioned in the Balance Sheet (For salaried, 6 months’ credit of salary should be reflected in the bank statements)

    3. Partnership Deed and partnership authority letter for partnership firms

    4. Memorandum and Articles of Association and Board Resolution from the company

    5. Certificate of Incorporation (COI) for companies

    6. Latest shareholding patterns for companies

    What are the features of TATA Capital Loan against Property?

    The Loan against Property from TATA Capital is a really good financing option for urgent financial needs on business or personal grounds.

    Some key features of this specialised loan are as follows –

    1. Loan tenure or repayment period can be as high as 180 months

    2. Minimal documentation and faster approval

    3. Commercial as well as residential property accepted as collateral

    4. High loan amounts up to INR 5 crores

    How to apply for TATA Capital Loan against Property?

    The loan can be applied for through TATA Capital’s website, as well as forms can be downloaded, filled and submitted along with relevant documents at a local branch. Additionally, one could call or mail TATA Capital requesting an executive assistance for application process.

    One can also apply for TATA Capital Loan against Property through BankBazaar, wherein eligibility charts, EMI calculators and infographics can guide one through the application process.

    Tata Capital Loan Against Property Reviews

    • Tata capital Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with TATA Capital,the loan amount is nine lakhs.Rate of interest is low as compared to others.I had submitted documents and i have no processing fees for the same.Net banking is user friendly to make payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with TATA CAPITAL. The loan amount was 4 lakhs and the Interest rate was 11.9% which is satisfactory . The tenure period was 4 years. Here there is no processing fee at all which is an added advantage.My experience was excellent and its recommendable
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL . The loan amount was 6.20 lakhs and the interest rate was 11.99% which is satisfactory . The tenure period was 4 years.The customer service and responses was up to the mark. Here there is no processing fee . In all it was a smooth one.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2018
    • Tata capital Personal Loan
      "Satisafctory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL . The loan amount was 1.50 lakhs and the Interest rate was 12.75% which is average in the market. The loan process was really good here. They have provide door step service for collecting documents,. My overall experience was satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with TATA CAPITAL . The loan amount was 1 lakh and the Interest rate was 13% which is bit high than other banks in the market. They have sanctioned the loan with the committed time. My overall experience was excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Tata capital Personal Loan
      "Best "
      0.5 4.0/5 "Great!"
      Interest rate was around 12.5% to 13.5% for the personal loan with the Tata capital limited. Customer service is good one for me with the Tata capital limited. I really have felt that the response is also good one too. Customer service is good too.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 18, 2018
    • Tata capital Personal Loan
      "Best, so far"
      0.5 5.0/5 "Blown Away!"
      It was a hassle free experience with the Tata capital limited I got the personal loan from the Tata capital limited and the documentation process went in the smooth ended manner. Customer service is an excellent one for me. Everything went in the fine manner.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Tata capital Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The service was good with the TATA CAPITAL and I got the personal loan amount within the time frame and the response part was good with the Tata capital . The required loan amount has been approved and I am satisfied with it. The rate of interest is nominal when compared with others,.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 18, 2018
    • Tata capital Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I had taken a personal loan for 4L and this was for a tenure period of 4 years. The interest rate was normal and it is a zero processing fee. I have to pay 10,800 rupees monthly. The documents are collected by the executive. The pre closure option is also available here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Cool process"
      0.5 5.0/5 "Blown Away!"
      The customer service and response was good with Tata Capital. They offered a interest around 12 to 13% but I was expecting something 11%. The loan process was good and faster. I haven't explored the part payment and pre closure yet. It is a tenure of 2 years and offered one lakh.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I have my personal loan with TATA CAPITAL . The loan amount was 3 lakhs and the interest rate was 13% which is average. The EMI period was 2 years . I had a hassle free loan process here and there is no processing fee also. My overall experience was good and its recommendable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Satisafctory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL. The loan process was good and he loan amount taken was 1.5 lakhs . The Interest rate was 12.3% which was satisfactory . The EMI period was 4 years. They did not provide door step service for collecting document and the executives were not helfull. The processing fee was free. My overall experience was satisfactory .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The service was good with the Tata capital in regards to my personal loan application. Tata capital took higher than normal time to disburse my personal loan amount. The rate of interest and the charges were very low when compared with others.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan application was approved by TATA CAPITAL and the experience was good. The loan amount is for Rs 2.01 lakhs with the rate of interest of 12.51% which is nominal when compared to all other sources. The process was very quick and i received my loan amount within 4 days. They did not charge any processing fees and the tenure of this loan is 2 years. Customer service was good and they always respond on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have my personal loan application approved with Tata Capital and the experience was good. The loan amount is for Rs1 lakh and the rate of interest is 11.99% which is nominal when compared to other banks. The process was smooth and i received my loan amount within 7-10 days. Customer service was good and they followed up on time. They charged a processing fee of 1% which is nominal. The only issue i found is, they did not inform about the insurance amount which is for Rs 1020 and has to be paid every month. The tenure of this loan is 1 year and it was overall a good service from Tata Capital.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 17, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have my personal loan application approved with TATA CAPITAL and the experience was quite good. The process was bit delayed and it took 10 days for the loan amount to get disbursed. Customer service was good and they provided door step service to collect the documents. The loan amount is for Rs 1 lakh with the rate of interest of 12.75% which is high when compared to other sources. They collected some documentation fees and the tenure of this loan is 1 year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2018
    • Tata capital Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with Tata Capital.The loan amount is five lakhs,rate of interest is low as compared to others,They had collected documents door step as well as uploaded online.They have not taken processing fees from the loan amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with Tata Capital and the experience was quite good. The loan amount is for Rs 1.5 lakhs with the rate of interest of 12.75% which is nominal when compared to other sources. The process was smooth and i received my loan amount within 1 week. Customer service was good and they collected documents on time. They did not charge any processing fees and there is an option of part payment where there is no additional charge. The tenure of this loan is 3 years and it was a overall a good service from Tata Capital.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 15, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      The customer service and response was prompt with Tata Capital. I got a good rate of interest for my personal loan. I was not eligible for the amount which they offered to me was really happy. They disbursed the loan on time with lesser documentation.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 13, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      TATA Capital took 4 additional days for the disbursement. The documentation process was simple with Tata Capital. The executives came for the verification purpose. The actual amount was 5L due to my previous loan status they had offered only 3L. I have to pay 9,125 rupees monthly for this personal loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
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