Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Tata Capital Loan Against Property Reviews

    • Tata capital Personal Loan
      "Awesome service"
      0.5 4.0/5 "Great!"
      The disbursement was done within turn around time. The service was pretty good with TATA capital. The rate of interest is high with TATA capital when compared with others. The Tata capital gave prompt response in regards to my personal loan application.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approached TATA CAPITAL for my personal loan.There was no proper response from the bank end and after 10 days I have received a call from their representative which was not satisfactory so I have cancelled the application. The customer service and responses was bad .However the rate of interest was average here.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      TATA CAPITAL took around 2 weeks to disburse my loan amount, The customer service gave good response in regards to my personal loan application. The rate of interest is high with TATA CAPITAL when compare with other institutions, but I am fine with TATA.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      The TATA CAPITAL hesitate to approve the personal loan for the self employees ,so that was the reason I haven't got the personal loan from ICICI bank. The customer service gave good response. The rate of interest is nominal with TATA CAPITAL .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approached TATA CAPITAL for my personal loan.There was no proper response from the bank end and after 10 days I have received a call from their representative which was not satisfactory so I have cancelled the application. The customer service and responses was bad .However the rate of interest was average here.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      TATA CAPITAL response was not good, when I approached them through the online channel. Even at the time interest was quite high high. Hence I directed approach TATA Capital, they coordinated well and gave me the better interest on personal loan.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 25, 2017
    • Tata capital Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The Personal loan service is good with TATA capital . The customer service was good with Tata capital. The promises need to be fulfilled with Tata capital . They have promised me in giving the loan with an interest rate of 11.99% but they have given the loan for 12.99% they have havnt given insurance for free.
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      , pune
      Reviewed on Sep 24, 2017
    • Tata capital Personal Loan
      "Rate of interest should be compromised"
      0.5 4.0/5 "Great!"
      From TATA CAPITAL LIMITED i requested for a personal loan but the provided the amount with high rate of interest ie.11.95% nearly comes to 12%while HSBC gave me the loan with 11.25%. So i cancelled the loan application with TATA capital.
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      , bangalore
      Reviewed on Sep 24, 2017
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan with the Tata capital limited and the rate of interest is around 14%. Within ten working days of time, the loan amount got disbursed. I would like to say that the response is very nice one with them.
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      , hyderabad
      Reviewed on Sep 24, 2017
    • Tata capital Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I have no requirement for the personal loan on that time and that's why I have not taken the loan with them. Response is good one with the Tata capital limited and I would like to go ahead with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 24, 2017
    • Tata capital Personal Loan
      "Poor services"
      0.5 1.0/5 "Really Bad"
      It was a poor experience with Tata capital for the personal loan. It took them days to disburse the loan. I got the loan after three weeks. They have also not done the ECS transfer and I been paying the last two month emi through the cheques I have given them for security.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 23, 2017
    • Tata capital Personal Loan
      "Fast process"
      0.5 4.0/5 "Great!"
      I am happy with the services and the fast process from Tata Capital. I have taken a personal loan. The customer services are good and they were on time to collect my documents. The rate of interest was of 11.99% and the processing charges was minimal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 23, 2017
    • Tata capital Personal Loan
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Tata capital is good overall. I have taken a personal loan and I got the loan within one week. The rate of interest is of 11% and the processing charges is normal. The customer services are good and the response is perfect and the after loan services are good.
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      , mumbai
      Reviewed on Sep 23, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have got the personal loan with the Tata capital limited and am really okay with it but they have asked so much of documents to dealt with it. Response and other things are good with the Tata capital limited. They have not told about their commitments related to the insurance charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 21, 2017
    • Tata capital Personal Loan
      "Not satisfied with the services"
      0.5 1.0/5 "Really Bad"
      It was not a very good experience with Tata capital for the personal loan. I had to follow up many times from my side, even for them to collect the documentation I had to follow up. The whole process took 12 days and finally when the papers was taken they told me that the application would be closed on that day and the next day I would get the disbursement. I still remember it was a Thursday and since the weekend was near, I was not sure if I would get it on Fri. I was promised would and finally I got it only on the following Monday or Tuesday.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 21, 2017
    • Tata capital Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with TATA CAPITAL . My experience was really good as their rate of interest was very low comparing to others bank in the market which was just 9.79% per annum for 5 lacks.I have not faced any inconvenience or issues with their service so far. I would like to rate 5 out of 5 overall
      Was this review helpful? 0
      , sonipat
      Reviewed on Sep 21, 2017
    • Tata capital Personal Loan
      "Poor response from TATA CAPITAL"
      0.5 1.0/5 "Really Bad"
      I applied for a personal loan with TATA CAPITAL LIMITED. The required loan amount was 1 lakh but i did not got proper response from the TATA CAPITAL end and later on some executive called me regarding the loan and with high rate of interest. So that time i had changed my plan of taking loan.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 20, 2017
    • Tata capital Personal Loan
      "Satisfactory but high on ROI"
      0.5 5.0/5 "Blown Away!"
      Tata capital was prompt in the personal loan process. They contacted me on time and informed me the details and collected my documents as well. The interest rate and processing charges was high. It was around 15%. They are surely recommendable for the quick process.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2017
    • Tata capital Personal Loan
      "Fast process and excellent service"
      0.5 5.0/5 "Blown Away!"
      I am very happy with the process of Tata Capital. The customer services are good and they are very quick to respond. I got my personal loan within 4 days. It was a very convenient process. The interest rate was of 11.99% and the processing charges was waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Tata capital Personal Loan
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      Tata Capital was good in the services. I have taken a personal loan. I received a call and within a day I got the funds through. It was a very fast process and very convenient. The rate of interest was around 12.96%, but I was informed around 12.75% initially.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 20, 2017
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    Tata Capital Loan Against Property is Rated as "Great!" by 2606 Users

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    Tata Capital Loan Against Property

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    Overview about TATA Capital Loan against Property

    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.

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