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  • TATA Capital Loan Against Securities is Rated as "Great!" by 3038 Users

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    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
      "Very good"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with TATA CAPITAL. The process was good and the loan amount was 2.7 lakhs and the interest rate was 48monsth . The customer service and responses was up to the mark. They have sanctioned the loan with the committed time and the processing fee was also nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • Tata capital Personal Loan
      "Not up to the mark"
      0.5 1.0/5 "Really Bad"
      I have taken a personal loan from Tata Capital, my over all experience has not been good, as the processing of my loam amount was delayed even after giving all the physical documents, secondly I did not receive any physical documents after receiving the loan, and they have charged me extra for insurance of my loan amount which I was not aware about that, I am not satisfied at all, and I requested them no of times to send me physical documents as my first emi towards the loan is approaching.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 22, 2018
    • Tata capital Personal Loan
      "Need to improve the customer care service"
      0.5 4.0/5 "Great!"
      I have not received the loan on time. I have applied on 10th April but i have received loan on 18th May. Actually, The TATA CAPITAL they have not processed my loan. I followed up with them many times. The interest rates are nominal. I used to make the payment through ECS. The customer care service is not good because the waiting time was huge its take around 25 minutes even though i cannot able to speak with the customer care executive.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 22, 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 4 lakhs and the give interest rate was satisfactory and the tenure period was 5 years .The process was very quick and hassle free . They have sanctioned the loan with the committed time. The processing fee was very nominal . The customer service and responses was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL . The loan amount was 10 lakhs and then give interest rate was satisfactory and the tenure period was 4 years . There is no processing fee here and the documentation was bit tedious for me.They have delayed the process. The customer service and responses were good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      My personal loan was taken with TATA CAPITAL. The process was very slow here and i was asked to submit the documents again and again . The loan amount was 3 lakhs and the interest rate was satisfactory . The customer service and responses was not good. The processing fee was nominal.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2018
    • Tata capital Personal Loan
      "Everything went well. "
      0.5 5.0/5 "Blown Away!"
      They have taken care extra care to disburse the loan. After the loan also the service good. They worked in a weekend also and the manager was very much helpful. There was no disturbance while taking the loan. I'm satisfied with the TATA Capital. I have applied of Rs. 2 lakhs the have offered me a interest rate of 10%. The processing is reasonable. I got the loan earliest what ever they have committed. They are very professional people.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Rate of interest is around 12% for the personal loan with the Tata capital limited. Response was an immediate one for me with the Tata capital limited, also the disbursement got happens within ten days of time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 21, 2018
    • Tata capital Personal Loan
      "Great"
      0.5 4.5/5 "Excellent!"
      Customer service is good one with the Tata capital limited and the customer service is good too. Response is fine one with the Tata capital limited. I am happy with the Tata capital limited. Everything is better one for me with them till now.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata Capital, it was a good choice that I have made, the processing my loan amount at the earliest it was not delayed, the customer service was also good, they assisted me well. The rate of interest they have charged is also quite OK as compared to others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 19, 2018
    • Tata capital Personal Loan
      "Average"
      0.5 3.5/5 "Pretty good"
      My experience of personal loan with Tata Capital has been some what OK as I received the loan amount on time and I was aware about the rate of interest they have charged, however there was no annual fees but there was an insurance fee that they have charged which I came to know in mid process I was not quite happy about that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2018
    • Tata capital Personal Loan
      "Good "
      0.5 4.0/5 "Great!"
      Customer service is good one and the responsiveness too with the Tata capital limited for the personal loan. In the welcome kit the rate of interest is entirely differed from which they have promised. I am happy with the Tata capital limited.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 16, 2018
    • Tata capital Personal Loan
      "Good "
      0.5 3.5/5 "Pretty good"
      Response is an average one with the Tata capital limited for the personal loan. I would like to say that the rate of interest is around 12.15% for my personal loan. Processing time as per their commitment, which was not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • Tata capital Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      Customer service is good one and the rate of interest is also good one with the Tata capital limited. I would like to say that the processing charges were also good too. I am happy with the Tata capital limited and there are no issues on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service is good one with the Tata capital limited and the response is also okay one for me. I have not got the welcome kit from them till now. Responsiveness is good one for me with the Tata capital limited, also I have not much experienced with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      Rate of interest is good one for the personal loan with the HDFC bank and the processing charges were nil. The loan amount got disbursed with bit delayed moment. Everything is up to the mark with the HDFC bank. I am happy with them as such.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 12, 2018
    • Tata capital Personal Loan
      "Good Experience with TATA Capital "
      0.5 4.0/5 "Great!"
      There was the time given for the documentation. Everything was on time. The person came to my place and collected all my documentation. Interest rates and processing fee is okay. I applied the loan for 3 lakhs. The interest rates was low on the time. But when i received a mail TATA Capital, they have given 13% interest rates. Interest rates was bit misleading to the customer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 10, 2018
    • Tata capital Personal Loan
      "Everyone should take loan from TATA Capital"
      0.5 5.0/5 "Blown Away!"
      I would like to add some content for TATA Capital. TATA capital is more clear about the interest, loan tenure, the payment process. Their is no hidden charges. I have applied a loan amount of Rs. 2 lakhs. I got the cash of Rs. 1.97 lakhs and so very services charges. They have offered huge tenure period like 20 years also. I can pre-close after 1 years. Ontime scheduled loan disbursement. They have a less possible interest rates like 10.99%.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 10, 2018
    • Tata capital Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I've taken a personal loan from the Tata Capital for 2 lacs. The interest rate is high 16% Interest, the whole application and the documentation process was easy and hassle free. I never had any issues with their services. Overall it was a good experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 09, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Customer service and response is good one for me with the Tata capital limited for the personal loan. Rate of interest is also good one. The loan amount got disbursed within a week of time. Everything is better one for me with the Tata capital limited.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 08, 2018
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