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 2851 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
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Tata Capital.They offered a loan amount of two lakhs,rate of interest is 13% nominal as compared to others.I had uploaded documents and also physically submitted with an executives due to technical issues.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Dec 15, 2017
    • Tata capital Personal Loan
      "Very worst service"
      0.5 1.0/5 "Really Bad"
      The personal loan service is not up to the mark with the TATA capital . They have promised me a date to debit the EMI but they haven't fixed on that . The customer support is not up to the mark. They have also charges Rs,15,000 in the name of Insurance. The rate of interest and the charges are very high with the TATA CAPITAL. There was no transparency in their process.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 14, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Tata capital personal loan service was good ,the rate of interest they offered me was 12.75 which was comfortable for me. The documents have been collected from my door step which was easy process it was totally a good experience with tata capital personal loan service.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 14, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Tata capital personal loan service was good ,the interest rate they offered me was 12.59 comfortable for me and the documents have been collected from my door step. The customer support was prompt it was a good experience with tata capital personal loan department.
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 14, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a better service from Tata capital personal loan service compared to others in the market,the customer support was good rate of interest was fine. The documents have been collected from door step it was a good experience with tata capital personal loan service.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Dec 14, 2017
    • Tata capital Personal Loan
      "Best"
      0.5 4.5/5 "Excellent!"
      Customer service and other things are good one with the State Bank of India credit card and the response is good one. The credit card got approved within two months of time. I am happy with the State Bank of India credit card, also I really dont have any issues with them till now.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL . The loan amount was 2.75 lakhs and the rate of interest was 13% which was avergae in the market . They have provided door step service for collecting documents and there is no processing fee. The customer service and responses was satisfactory .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Tata Capital.The loan amount is 1.3 lakhs,rate of interest is nominal as compared to others.Net banking is very comfortable to use,they had immediately responded but there was a little delay in processing the request.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with Tata Capital.The loan amount is five lakhs,rate of interest is nominal as compared to others.I got an immediate response from the executives.The net banking is very convenient use.The phone banking service is prompt.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL . The loan amount was 2lakhs and the interest rate was 11.99% which was bit high than other banks in the market. The processing fee was nominal but the process was bit lengthy . My overall experience was good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with TATA CAPITAL . Their service is very good, prompt. They were always ready help! The rate of interest offered was better than most of the financial establishments. I would highly recommend them for everyone looking out for a loan.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL. The loan amount was 5.70 lakhs and the interest rate was 11.84% which was satisfactory . The tenure period was 6 years and the processing fee was nominal . I am satisfied with the customer service and responses .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 11, 2017
    • Tata capital Personal Loan
      "Satisafctory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL. The loan process was very good and the loan amount was 3.5 lakhs. The rate of interest was 13% which was bit high than other banks in the market and the EMI period was 5 years. Here the pre closer is after 6 months and the processing fee was nominal.
      Was this review helpful? 2
      , chennai
      Reviewed on Dec 09, 2017
    • Tata capital Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The interest rate offered by Tata capital personal loan service was 11.9 which was fine compared to others in the market. The documents have been uploaded through online ,the customer support was responsible it was a good experience with Tata capital personal loan department.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 08, 2017
    • Tata capital Personal Loan
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The service of tata capital personal loan service was good ,the customer support was good. The rate of interest they offered me was 11.99 which was high compare to others in the market ,the required documents hard copy of my documents and some where uploaded through online for the loan process it was a good experience with Tata capital personal loan service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 08, 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 approved and the requested amount was disbursed. The process was quite long, it took 15 days for the loan amount to get disbursed. Customer service was good, they followed up on time and they provided door step service to collect the documents. The rate of interest of 12.75% was high when compared to other banks and the processing fees was nominal. There is no penalty on preclosure after 1 year.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 08, 2017
    • Tata capital Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am very happy with the services from Tata Capital, the process was quite smooth and easy, it took 2 days for the loan amount to get approved. When it comes to customer service, it was good and they responded on time, they provided door step for documents pick up. The rate of interest of 12.75% is nominal when compared to other banks.
      Was this review helpful? 0
      , greater noida
      Reviewed on Dec 08, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      I have my personal loan with TATA CAPITAL . The loan amount was 5.5 lakhs and the rate of interest was 11.49% which was avergae in the market . Here tenure period was 5 years and there is no processing fee but they have collected 2,500 for Insurance. The process was good but they ave taken a week of time for the sanctioned the loan which was bit disappointing other than that I am satisfied with the overall experience.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 08, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The Tata capital was promised me that they will disburse the loan amount of Rs,4,80,000 but they have disbursed only Rs,4,00,000. The customer support need to be improved with TATA capital and their promises need to be fulfilled by TATA CAPITAL.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 08, 2017
    • Tata capital Personal Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I have my personal loan with TATA CAPITAL. I have taken 7.5 lakhs and the rate of interest was 12.99% which was avergae in the market . They have sanctioned the loan with the committed time and the processing fee was also nominal. My experience was excellent and Its recommendable .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2017
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