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  • Tata Capital Loan Against Property is Rated as "Great!" by 2940 Users
    Personal Loan BYTES FROM OUR KITCHEN

    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.

    Apply for Personal Loan

    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
      "Good"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with TATA CAPITAL.. The loan amount was lakhs and the Interest rate was 11.99% which is avergae . The customer service and responses was good. The tenure period was 5 years . I am satisfied with the loan process here and my overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with TATA CAPITAL.. The loan amount was lakhs and the Interest rate was 11.99% which is avergae . The customer service and responses was good. The tenure period was 5 years . I am satisfied with the loan process here and my overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      The rate of interest was good with Tata Capital. I had submitted the documents to the executive and they took around 10 days for the processing. The customer service and response was good. The processing fee was zero. They have disbursed the same amount what I requested for.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Tata capital Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I took my personal loan from Tata Capital Limited through online portal. The rate of interest was okay. They charged a processing fee. I have applied for 4L and received 3L & 96K excluding processing fee. They took 15 days for the disbursement.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 14, 2018
    • Tata capital Personal Loan
      "Good experience"
      0.5 3.0/5 "Satisfactory"
      I have my personal loan with TATA CAPITAL. The loan amount was 5 lakhs and the Interest 12.5 % which is not high than other banks in the market . The tenure period was 4 years. They have provided doorstep service for collecting documents . My overall experience was good .
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 14, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL.The loan amount was 9.96 lakhs and the interest rate was 11.99% which is avergae in the market . The EMI period was 4 years . The loan process was very good and they have provided door step service for collecting documents. My overall experience was good and its recommendable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2018
    • Tata capital Personal Loan
      "Need to be improved in the documentation process"
      0.5 3.0/5 "Satisfactory"
      The documentation process was done thrice by the TATA CAPITAL in regards to my personal loan application. The required loan amount has been disbursed and I am satisfied with it. The rate of interest and the charges are average with the TATA CAPITAL personal loan. The clarity is needed in the documentation process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My experience is very good one with the Tata capital limited for the personal loan. Customer service is good one for me with them. The loan amount got disbursed within seven to eight days of time. Everything is better one for me with the Tata capital limited.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Feb 13, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      It was a good experience with Tata Capital but they took some time for the verification. The customer service and response was fine. The interest was normal and the processing fee was minimal. The documents are collected by the executive as well as online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 12, 2018
    • Tata capital Personal Loan
      "Need to reduce the interest rate"
      0.5 4.0/5 "Great!"
      It was a good experience with Tata Capital on my personal loan. The rate of interest was too much compared to other banks. There was a processing fee. The executive came to the place and collected the documents. They have taken nearly 1.5 weeks to process the loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 12, 2018
    • Tata capital Personal Loan
      "Best"
      0.5 4.0/5 "Great!"
      My experience was good one with the Tata capital limited for the personal loan. I would like to say that the rate of interest was around 12% and the customer service is good. The loan amount got disbursed within seven days of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 10, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I have got the personal loan with the Tata capital limited and the experience was good. The loan amount got disbursed within ten days of time. I am happy with them till now. Everything is better one with the Tata capital limited.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 10, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata capital finance, they offered 55000 and I am satisfied with loan amount. They have charged 10.5% interest rate for my loan . I took a loan for the period of 24 months, I pay an EMI of 2400 every month.They had disbursed the loan amount to me after 10 days from the date of apply.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 09, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The TATA CAPITAL made a delay in regards to my personal loan disbursement . I have applied for higher loan amount but I have got very low loan amount. The rate of interest and the charges are average with the TATA CAPITAL. The customer support need to be quick and fast response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 09, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The time which was taken by Tata capital was 15 to 20 days to disburse my personal loan amount. The customer support and the response was good with the Tata capital ,their executives came to my place to collect the documents on time, but the documentation process was not in a professional way, The rate of interest and the charges are average with the Tata capital.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 09, 2018
    • Tata capital Personal Loan
      "Quite average"
      0.5 3.0/5 "Satisfactory"
      Rate of interest was around 13.99% for the personal loan with the Tata capital limited. I would like to say that the customer service was quite good one with them and the processing charges were on higher end. I am really happy with the Tata capital limited.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 09, 2018
    • Tata capital Personal Loan
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have got the loan from the Tata capital within 16 days of time. They took higher than normal time to disburse the loan amount. The required loan amount has been disbursed and I am satisfied with it. The rate of interest is average with the Tata capital when compared with market rates.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 09, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL. The loan amount was 5 lakhs and the Interest rate was 11-12% which is average in the market. The tenure period was 5 years and the loan process was very good. They have provided door step service for collecting documents . My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 08, 2018
    • Tata capital Personal Loan
      "Marvellous"
      0.5 5.0/5 "Blown Away!"
      Tata capital limited has provided the rate of interest rate as 11.99% for the personal loan. Services are an excellent one with them and the rate of interest could be get reduce. Within a week of time the loan amount got disbursed. Everything is better one with the Tata capital limited.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 08, 2018
    • Tata capital Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      Experience was very good one with the Tata capital limited for the personal loan. The loan amount got disbursed within a week of time. I would like to say that the customer service is good one with the Tata capital limited.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 08, 2018
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