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  • TATA Capital Loan Against Securities is Rated as "Great!" by 2947 Users
    Personal Loan BYTES FROM OUR KITCHEN

    TATA Capital Loan Against Securities

    Mostly, investments in shares and mutual funds are useful keeping a long-term goal in mind and instant liquidity options are few and far between. TATA Capital provides a specialised loan that aims to change that norm. This loan from TATA Capital allows individuals and non-individuals to utilise the financial support of their investments without having to cancel out the investments or liquidating them. These loans can help out in business or personal financial needs.

    What is the usage of TATA Capital Loan against Securities?

    This loan is provided to individuals or non-individuals for any purpose that is not explicitly speculative. Banking on the power of the investments made by the applicant, this loan is a powerful aid in financial terms.

    Who is eligible for TATA Capital Loan against Securities?

    An unsecured business loan as this 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)
    2. Applicants should be at least 18 years of age when the loan is sanctioned and at most 65 years of age at the time of loan maturity. In case of non-individuals, the business existence should be for at least 2 years

    What are the types of Financing under TATA Capital Loan against Securities?

    Loan against Securities from TATA Capital is a specific term loan with optional overdraft facility.

    What are the loan limits under TATA Capital Loan against Securities?

    Based on the credit-worthiness of the applicant, validity of documents and the market value or NAV of the pledged securities, TATA Capital can provide loans within a wide range of INR 5 lakhs and INR 10 crores. A maximum of INR 7.5 crores can be availed as a loan against share or mutual funds. Against debt instruments and bonds, a maximum loan of INR 10 crores can be availed. Up to 50% of the market value of Scrips and Mutual Funds and 70% of the Net Asset Value of Mutual Funds can be considered loan-worthy.

    What are the interest rates?

    Interest rates for a Loan against Securities could depend on the base lending rate and is based on the discretion of TATA Capital. Further changes to the rates could be done by TATA Capital as and when required.

    What documentation is required during applying for Tata Loan against Securities?

    The standard list of required documents for applying for this loan are mentioned as follows –

    1. Photographs of each individual applicant and co-applicant, directors and promoters, in case of a company & Trusts, partners in case of a partnership firm or authorized person as applicable in case of societies
    2. IT Returns, Audited Profit and Loss Account statement and Balance Sheet for the last 2 years, six months bank statement of the primary current account, business proof, latest year provisional, sundry creditors and debtors list
    3. Certified true copies of bank account statements for the last 6 months.
    4. Know Your Customer (KYC) documents for the co-applicant.
    5. Partnership deed, Memorandum of Association (MOA) and Articles of Association (AOA) or
    6. License issued under the Shops and Establishments Act of the respective states for business proof.

    The above set of documents comprise the minimum required list. To aid in credit approval, TATA Capital might ask for extra documents if necessary.

    What are the features of TATA Capital Loan against Securities?

    The Loan against Securities from TATA Capital is a 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 is annual and renewable per year
    2. Minimal documentation and faster approval
    3. No security or collateral required (pledged shares act as security)
    4. High loan amounts up to INR 10 crores

    How to apply for TATA Capital Loan against Securities?

    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 Securities through BankBazaar, wherein eligibility charts, EMI calculators and infographics can guide one through the application process.

    TATA Capital Loan Against Securities Reviews

    • Tata capital Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan with the HDFC bank initially and when I compare with the HDFC bank the TATA capital gave me best offer in regards to rate of interest , loan amount and etc. The service was very quick and fast from the TATA CAPITAL. The processing was very low with the tata capital when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Tata capital Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      Tata capital limited executives are very cooperative for the personal loan, which I have applied. I am okay with their rate of interest and the charges. They have done the help in very useful way till now. I have not experienced much with the Tata capital limited.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 22, 2018
    • Tata capital Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      My experience is good one with the Tata capital limited for the personal loan. The loan amount got disbursed within three to four days of time. Customer service is better one with the Tata capital limited. Credit process is simpler one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 22, 2018
    • Tata capital Personal Loan
      "Good service"
      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 11.95 which is average in the market . The tenure period was 3 years . The loan process was very good but I have submitted lot of physical documents. I have spent a lot of time on the documentation part . There is no processing fee too.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with TATA CAPITAL. The loan amount was 12 lakhs and the Interest rate was 11.99% which is avergae in the market. The customer service and responses was great. The loan process was very smooth and good. They provided door step service for collecting documents. The loan was not only approved on time but also deposited the amount directly to my account on the same day the loan was approved.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 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 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
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