Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 TATA Capital Loan Against Securities

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.99% - 19.50% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    TATA Capital Loan Against Securities is Rated as "Great!" by 2459 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Overview about 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.

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  • TATA Capital Loan Against Securities Reviews

    • Tata capital Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The service rendered by TATA CAPITAL was good and they gave an immediate response in concern to my personal loan application. Within a week time the loan amount got disbursed with Tata capital. The rate of interest was low when compared with others. I am happy about the loan amount and with the service provided by TATA CAPITAL.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2017
    • Tata capital Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I did not go ahead with Tata capital for the personal loan because I was not clear about the process and no one came over to collect the documents. The rate of interest and processing charges was normal and it was a good deal. I had no issues with that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • Tata capital Personal Loan
      "Needs to be quick in response"
      0.5 4.0/5 "Great!"
      I had requested for the personal loan from TATA CAPITAL at the time of emergency, but then they did not provide any proper response. I was in need of loan within 2 days , they have failed to do that and then they haven't even processed my application, so that was the reason I haven't opted for the personal loan with Tata capital. I would like to suggest Tata capital to be quick when it comes to service. The rate of interest is very much nominal when compared with others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • Tata capital Personal Loan
      "Its Good"
      0.5 4.5/5 "Excellent!"
      I am not looking for a loan right now, hence I didn't take loan from TATA Capital, they are prompt. TATA Capital called and explained about the loan process. I inform them, right now I don't have interest to proceed, I am planning to take it in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Tata capital Personal Loan
      "Dissatisfed service"
      0.5 2.0/5 "Expected more"
      TATA Capital could not processed my loan, their customer service is good. I have requested the amount of Rs.10 lakhs but they ready to sanction amount of Rs.4 lakhs, I felt its not sufficient hence I asked them to close the application, but their interest rate is nominal.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • Tata capital Personal Loan
      "Be consistent in details"
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan from Tata Capital and I have no issues with the whole process to get the loan through. I was initially informed an interest rate of 11.99% and after the loan was disbursed I received the loan letter with a interest rate of 12.26%. I tried reaching the toll free number, but there is no response. I also tried sending them email, I received a response back that my ID is not registered. I also tried the sales guy who collected my papers, he says he is not the right person.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2017
    • Tata capital Personal Loan
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I got a proper response from TATA Capital, within short span of time they had completed the loan process and helped me to get the disbursement on time. I took the amount of Rs.1.5 lakhs, this is for a tenure of three years, they gave me 11.49% of interest and they taken some processing fee of around Rs.2000 from disbursement.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      Experience was good one with Tata capital limited and the customer service was good but they have taken a much more time to dealt with the process. Rate of interest was around 13.49% for the personal loan and the processing charges were nil, which is the good one.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 21, 2017
    • Tata capital Personal Loan
      "Its good"
      0.5 5.0/5 "Blown Away!"
      Tata Capital offered me 11.49% of interest rate for the personal loan and they processed the loan within 48 hours of time its good. I am very much happy with their service, I took the amount of Rs. 7 lakhs for six years. Processing fee of Rs.999 its very low.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 21, 2017
    • Tata capital Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      Rate of interest was around 11.99% for the personal loan with the Tata capital limited and the response was pretty quick one, also the support was really prompt. The loan amount got disbursed to my account within twelve days of time from the time , I have made the inquiry.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2017
    • Tata capital Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      A very good process with Tata Capital for the personal loan. The process was very much satisfactory as it was on time. I got a interest rate of around 12% and the processing charges was waived of. The after loan services is also good and there are no issues overall.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Satisfactory"
      0.5 3.5/5 "Pretty good"
      Interest rate was nominal one for me with the Tata capital limited and the loan amount got disbursed within seven to eight days of time. Services and other aspects are good one with them, also I have not faced any specific challenges with the Tata capital limited.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Not bothered to respond back"
      0.5 1.0/5 "Really Bad"
      I did not receive any response from Tata Capital on my personal loan application. Not even a single call they provided for the loan request. I have tried to contact them but I did not receive proper response from local executives. Since I never received anything from Tata capital I just moved to HDFC bank and I got the loan as well.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Okay "
      0.5 4.0/5 "Great!"
      I have got the personal loan with the Tata capital limited for the interest rate as 10.99% . The loan amount got disbursed to my account after a week of time. Customer service and other things are really good, also I have not faced any issues with them. Processing charges were also nil with them but they have incurred 2000 Rupees for insurance charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      The processING timE taken was more than 7 days BY TATA CAPITAL. The disbursement took place within 7 days of time. The documents were collected from the TATA CAPITAL executive on the assigned date and time. They came to my place and collected the required documents. I am happy about the loan amount. The rate of interest is nominal with TATA CAPITAL. I am very much satisfied with Tata capital service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Not Responsive"
      0.5 3.0/5 "Satisfactory"
      Tata Capital provided delayed response by one or two days. Hence I managed my requirements through other source. I cancelled my loan application with them. If the customer applied for the loan, the bank should be more responsible and they should have responded immediately but here no such response.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Good deal on the ROI"
      0.5 4.0/5 "Great!"
      The services that I received from Tata capital was really good as they processed my details immediately and I did not see a delay in the process. I had taken my personal loan from Tata Capital and the interest rate was an excellent deal, it was around 11% change and it was with zero processing fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • Tata capital Personal Loan
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I am extremely happy with Tata Capital for the personal loan process. I got the loan within five days. The loan amount was also as per my request. The interest rate was around 12% and the processing charges was as promised around 200 and I was informed about this in the beginning.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 19, 2017
    • Tata capital Personal Loan
      "Commuication gap should be eliminated"
      0.5 4.0/5 "Great!"
      TATA Capital taken long time to disburse the amount and no body called to keep me updated. I kept on following with their people and I was confirming the status with every one. I applied the personal loan on 11th of may finally the loan got disbursed around 19th of may. My loan amount 12.5 lakhs for the tenure of five years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 19, 2017
    • Tata capital Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      TATA Capital experience is good, they gave door step service, I have taken the loan amount 4.70 lakhs with the interest rate of 13% it is bit high compared to other banks. But processing fee is zero its great. It would be better if they reduce the interest rate as per the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2017
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