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  • Tata Capital Loan Against Property is Rated as "Great!" by 2783 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
      "Have to apply again"
      0.5 4.0/5 "Great!"
      I applied for a Personal Loan with Tata Capital and the experience got cut shorted in the middle itself. Their offer of 12.75 Rate of Interest was a decent one. I didn't go through the Loan as uploading a passbook was an impossible task. Maybe with a help I might well apply for a Loan with them again.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • Tata capital Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have not get any response from tata capital for my personal loan service, I did not even receive a call from tata capital executives from the date I applied for my loan process. I am not much happy about the service that I received from tata capital for my personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from Tata Capital, my loan application was closed becausei have taken the personal loan from other bank. Customer service was good and they responded on time, regular follow ups was also done. When it comes to rate of interest, it was high when compared to other banks.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2017
    • Tata capital Personal Loan
      "Better customer service"
      0.5 4.5/5 "Excellent!"
      I have applied for the personal loan from Tata Capital, my loan application was closed because i have taken the personal loan from other bank. Customer service from Tata Capital was good, they also responded on time and regular follow ups were done. The rate of interest was nominal when compared to other sources.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • Tata capital Personal Loan
      "Better service"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from Tata Capital, my loan application was closed because i have taken loan from other source. When it comes to customer service, it was good and they responded on time, timely follow ups was done. The rate of interest was way high when compared to other sources.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • Tata capital Personal Loan
      "Approchable bank"
      0.5 5.0/5 "Blown Away!"
      I have applied for personal loan with TATA CAPITAL LIMITED. I was out of station when i am suppose to submit the documents. The executives from the institution gave me regular follow ups. All those was on the perfect side. I can consider again.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 20, 2017
    • Tata capital Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from TATA CAPITAL, my loan application was closed because there was no proper follow up done after the application was submitted. The customer service was no up to the mark, they did not come to collect documents and there was no proper response from them, The rate of interest was nominal when compared to others in the market.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 18, 2017
    • Tata capital Personal Loan
      "Need to improve service"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with Tata Capital Limited. They collected the documents immediately and within 10 to 15 business days my personal loan got disbursed after my documents submission. They offered me the loan with 12.75% as rate of interest and there is no processing fees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • Tata capital Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I applied for a personal loan with Tata Capital Limited. Tata Capital staffs collected the documents on the 2nd day after I applied for the loan and my personal loan got disbursed within 3 days after my documents collection part was over. They offered me the loan with 11.99% as rate of interest.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan from Tata Capital, my loan application was closed because i was unable to provide proper documents. Customer service from Tata Capital was very good, they responded on time and also gave the correct information. The rate of interest was nominal when compared to other sources in the market.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      TATA CAPITAL personal loan service was very good compare to others in the market they provide me a interest rate of 11.89 which was good compare to others in the market also the customer service staffs are responsible and the documents part was easy with TATA CAPITAL ,I am very much happy with the service of TATA CAPITAL for my personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was good experience with TATA CAPITAL for my personal loan service I feel the process was very slow with TATA CAPITAL the interest rate they quoted me was good but the processing fee and the other charges where low compare to others it was wonderful service from TATA CAPITAL for personal loan service.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "Worst service"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the service of TATA CAPITAL for my personal loan service there was no proper information where provided there is no communication between the customer and the executives the interest rate they offered me was fine and TATA CAPITAL offered me a loan amount of 1.25 lakhs .
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a pretty good service from TATA CAPITAL for my personal loan service the customer service was awesome the process was very fast with TATA CAPITAL compare to other banks in the market they offered me interest rate of 12 % which was reasonable for me it was totally a wonderful experience with TATA CAPITAL for my personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "Smooth process but high rate of interest"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Tata Capital and the i feel that the rate of interest is a little too high for the amount taken compared to some other banks. The service however was good and i had no issues with them. On an overall it was a smooth process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It was good experience with Tata Capital. I got a call from the executive said I am eligible for 3.4L. The interest rate was nominal. I am paying premium of 11,700 rupees through ECS. The customer service and response was good. The part payment and pre closure option is not provided.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • Tata capital Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had requested for a personal loan from Tata Capital.The loan amount is one lakh.Rate of interest is nominal as compared to other banks.The reason for choosing the bank is they have zero processing fees.The customer service was good to interact they gave me the complete details of the personal loan request.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2017
    • Tata capital Personal Loan
      "Good banking"
      0.5 4.0/5 "Great!"
      I have requested for a personal loan from TATA CAPITAL .The loan amount is five lakhs.Rate of interest is nominal as compared to other banks.I had closed the application am not interested to move on the request may be in future otherwise the bank service was good to approach.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 15, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The loan process is good with Tata Capital. They provided door service for documentation. I habe taken 6L as a personal loan for 48months. I pay around 15k through ECS. Rate of interest is good. After 6 months only I can do preclosure. The customer service was up to the mark.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 13, 2017
    • Tata capital Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was a good experience with TATA CAPITAL for my personal loan service the customer service was very good the rate of interest they offered me fine compared to others but I had some personal issues so I was unable to proceed with my loan process further.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 13, 2017
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