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  • Tata Capital Loan Against Property is Rated as "Great!" by 2990 Users

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    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 overall. Can work on the ROI"
      0.5 5.0/5 "Blown Away!"
      The process at Tata Capital is good for the personal loan. I got the loan on time and the disbursement was as needed. I expected a rate of interest of 11% and I got a rate of 11.99% which is around 12%. There were no processing charges. They can improve on the interest rate.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 24, 2018
    • Tata capital Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Tata Capital. The experience was overall good. But I expected to get a loan of three lakhs, I only received 1.80 Lakh finally. I was a bit disappointed about the sanctioned loan amount. Not sure on the interest rate. They charged a processing fee of 8K.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • Tata capital Personal Loan
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      My experience with Tata capital was good and the process was nice. It was on time. The rate of interest was around 11.99% and the processing fee is zero. There was a fee for insurance of 1K. I had applied for 5 lakhs and 4.99 Lakhs was credited in my account. The tenure is for four years. There is also a option for Pre closure and part payment but, there are no charges for the same.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • Tata capital Personal Loan
      "Good overall"
      0.5 3.0/5 "Satisfactory"
      It was a good experience with Tata Capital for the personal loan. The disbursement took two weeks which was a bit delayed. The rate of interest is around 11.99% and the processing charges was waived off. The interest rate could have been lesser.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata capital, the process was good, everything was fine, the interest rate they charges I am OK with that too, and I received the amount on time, I applied for Rs. 1,00,000 and I received the whole amount. I received proper customer service in processing the loan amount, hence I am happy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 23, 2018
    • Tata capital Personal Loan
      "Very good experience"
      0.5 4.5/5 "Excellent!"
      My experience is good wit Tata Capital. I have taken a personal loan from them and I got the loan on time. The disbursement was as needed. The rate of interest is around 10.99% and the processing fee was waived off. In all it was a smooth process to get the loan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 22, 2018
    • Tata capital Personal Loan
      "Good. Can do better in the document process"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with Tata Capital for the personal loan. I got the loan in one week. The rate of interest is around 11.40% and the processing fees was zero. But they have charged 4K for the insurance. It would be better if they also have a paperless process for the documentation as I still had to submit all the documents physically again.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Tata capital Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I find difficulty to get the personal loan from the Tata capital. The customer support service and the response need to be quick and fast from them, their promises haven't fulfilled. They need to focus in their response part. The rate of interest and the charges were average with tata capital.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 21, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Got the better service from the TATA CAPITAL in regards to my personal loan application. I have got the loan amount within 2 days of time. The customer support service and the response is good from the tata capital . The rate of interest and the charges are average.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The personal loan process was very good and after the confirmation , I have got the loan amount within 3 days of time. The customer service is good from the Tata capital and they gave me better response in regards to my personal loan application. The rate of interest is low when compared with others.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 16, 2018
    • Tata capital Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      The personal loan process was with Tata Capital was completed asap. The collection of documents and disbursement was done in four days. The rate of interest is around 11.99% and I am not sure on the processing fees. I have few other loans with a interest rate of around 14 to 15% and this is the best.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2018
    • Tata capital Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      There was no intimation made or reason explained from the bank side during the closing of this loan and i would like to know the reason as well. I have tried calling them but there was no proper response made from their side. The rate of interest which they have offered was quite good.
      Was this review helpful? 0
      , noida
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The tata capital branch was not available at the place where I have applied for the personal loan , so that was the reason I haven't got the personal loan from the tata capital. The customer support service and the response part is good from the tata capital.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Need to Fulfill the promises"
      0.5 1.0/5 "Really Bad"
      Initially , the Tata capital has agreed to approve the loan amount of Rs,5,00,000 and after submitting the documents they told that they can release only Rs,3,00,000 , so that was the reason I haven't got the loan from the Tata capital. The promises need to be fulfilled by tata capital.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      I had applied for the personal loan for some medical emergency , but the requirement has been fulfilled so that was the reason I haven;t got the personal loan. The customer support service and the response is good from the Tata capital , they were about to collect the documents but I have informed them in prior.
      Was this review helpful? 0
      , chennai
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I haven't got the personal loan from the TATA capital because I have got the required amount, So I have cancelled the personal loan application from Tata capital , so that was reason I haven't got the loan from the TATA capital. The rate of interest and the charges were average with the TATA capital.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Need to be more professional"
      0.5 1.0/5 "Really Bad"
      I also had applied with Tata Capital for the personal loan. I am not satisfied with the services and response and I suggest that the team can be more professional and polite while communicating to the customer. Also, the details needed of the customer should not be too personal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 10, 2018
    • Tata capital Personal Loan
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan with the Tata capital, and the documents were uploaded on time. The TATA capital executives told that they will come and collect the documents manually , but they haven't gave me any response from them. The customer support service and the response part need to be improved with the Tata capital .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 08, 2018
    • Tata capital Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with TATA CAPITAL. The loan amount was 4.5 lakhs and the interest rate was 12.79 % which is average . The process was really satisfactory and good. There is no processing fee at all and they haves sanctioned the loan with the committed time so I would like to recommend to others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 25, 2018
    • Tata capital Personal Loan
      "Average"
      0.5 2.5/5 "Just OK"
      I have my personal loan with TATA CAPITAL . The loan amount was 1.15 lakhs and the interest rate was 11-12% which is average in the market . I am not satisfied with the customer service and responses since the executive said that the loan was disbursed but it was not disbursed actually . Their ground staff is good and then process was smooth .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
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