Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • TATA Capital Loan Against Securities Reviews

    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Unfortunately I haven't got the personal loan from TATA CAPITAL , because of the lack of address proof. The customer service is good with TATA . The rate of interest which they have offered was high with TATA Capital when compared with others.
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      , kolkata
      Reviewed on Sep 19, 2017
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I was not in need of loan at that time when I have applied for loan with Tata, so that was the reason I haven't got the personal loan from TATA CAPITAL. The response was good with TATA , they were good at their follow up and I have informed them that there is no loan requirement at present. The rate of interest was nominal with TATA CAPITAL.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • Tata capital Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      TATA CAPITAL has disbursed my loan amount within the promised time. The customer service and the response were very prompt from TATA CAPITAL. The rate of interest is average when compared with other institutions. The processing fee and charges were Rs.999, they have charged the registration fee around Rs.300.
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      , mumbai
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "Easy process"
      0.5 5.0/5 "Blown Away!"
      It was a nice process at Tata Capital. I got the personal loan on time and the whole experience is good. I am also okay with the interest rate, it was around 11% and the processing charges was waived off. The after loan services are also good and hassle free.
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      , delhi
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got a personal loan, which is going on with ICICI bank at present, so I though of doing balance transfer but the foreclosure charges are very high with ICICI bank so that was the reason I haven't processed with my TATA capital personal loan . The response was prompt with TATA CAPITAL. They made better follow up. The rate of interest was low when compared with other banks.
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      , chennai
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "Unhappy with the services "
      0.5 1.0/5 "Really Bad"
      I have taken my personal loan with Tata Capital and I am not happy with the services. The first thing is the executives are not professional and they do not know how to speak to a customer. The second is that they were not transparent in the interest rate. I was told 11.99% and later I was offered 12.75%.
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      , hyderabad
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "Overall process is good"
      0.5 4.0/5 "Great!"
      Tata Capital has offered me a personal loan and the process for it is easy as I did not have much of paper work and it was smooth. The interest rate was of 11.99%, it could have been more lesser. The processing charges was waived off. The after loan services are satisfactory too.
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      , mumbai
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with TATA CAPTIAL because they have offered me with less interest rate comparing to CITI bank. I have not faced any inconvenience with their service and responses was amazing. Their rate of interest was 11.49% and there's no hidden charges here.They have provided door step service for the documentation collection. My over all experience was good.
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      , chennai
      Reviewed on Sep 18, 2017
    • Tata capital Personal Loan
      "High ROI & smooth process"
      0.5 3.5/5 "Pretty good"
      The process with Tata Capital is good as I have taken a personal loan. Though it took sometime, the process was smooth. The interest rate was around 12%, which was on the higher side, when compared to the other banks. The processing charges was waived off.
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      , mumbai
      Reviewed on Sep 16, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan with TATA CAPITAL.I am really satisfied with their services and responses.The loan process was easy and satisfactory they took just 2 enquirey for processing and with in 2 weeks my loan amount was sanctioned. It was completely hassle free and good.
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      , bangalore
      Reviewed on Sep 16, 2017
    • Tata capital Personal Loan
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata Capital. The process could be more improvised. My signature was different on my PAN card from the one at my personal bank. So for the signature verification I had to go to the bank for two days continuously and get it done. The process could be made easy if it is done by Tata capital. The interest rate was okay. The processing charges was of 700.
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      , hyderabad
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "Response has not be improved"
      0.5 2.5/5 "Just OK"
      It was good overall at Tata Capital. I have taken a personal loan. Just that it got delayed for a few days longer than what was mentioned earlier. I tried reaching them a couple of times and there was no proper response from them for an update. The processing charges was waived off.
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      , hyderabad
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "Good response"
      0.5 5.0/5 "Blown Away!"
      I have applied for a personal loan with TATA CAPITAL LIMITED. They gave me regular follow up call regarding my application. Due to my personal reasons i could not able to avail the loan from the bank. They executive was so professional and helpful.
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      , new delhi
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "Satisified with the services"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with Tata Capital for the personal loan. The customer services are good and they were very much responsive. I got the disbursement on time. The interest rate was around 11% and the processing charges was also normal for me. It was a quick process overall.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have approached TATA CAPTIAL for my personal loan. The one and only drawback was their rate of interest ,which was bit higher. I would like to mention their customer service and responsiveness. They did proper follow ups, updated me each and every day and guided me very well which was satisfactory but unfortunately, I couldn't take my personal loan with them because of their high interest rate.My overall experience was good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "Customer service should be improved"
      0.5 1.0/5 "Really Bad"
      TATA Capital promised me 12% of interest, then I agreed for the personal loan but when I received a call from their executive, they informed about 19% of interest and he was very rude then I asked him to transfer the call to their manager, Infact he is not supportive. Finally I closed my loan application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "I am getting updates on time"
      0.5 4.5/5 "Excellent!"
      I received a good response from Tata Capital for the personal loan. When ever I needed an update I would call them and they helped me out at once and informed me the details. The team has done a very good job. The interest rate I got was around 11% and processing charges charged by them was zero.
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      , bangalore
      Reviewed on Sep 15, 2017
    • Tata capital Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan from Tata capital limited and it was a excellent process. I received my loan on time and the disbursement was what I applied for. The rate of interest was around 10% and the deal was also good on the processing fees.
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      , gurgaon
      Reviewed on Sep 14, 2017
    • Tata capital Personal Loan
      "Overall good. Can be more consistent in process"
      0.5 3.0/5 "Satisfactory"
      The overall experience was good at Tata Capital. It was for a personal loan process. Though I was told that it would be a paper less process, it took me half day for me to fill up the application and I also had to submit my documentation once more physically though I uploaded them online. Else the services and charges were good.
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      , chennai
      Reviewed on Sep 14, 2017
    • Tata capital Personal Loan
      "Very good service"
      0.5 3.0/5 "Satisfactory"
      For an emergency I went with TATA CAPITAL for my personal loan. I can say the service which was given by TATA was average. They have disbursed my loan amount within 2 to 3 weeks of time. It was very longer than normal time. The rate of interest was low when compared with others.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2017
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    TATA Capital Loan Against Securities is Rated as "Great!" by 2587 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    TATA Capital Loan Against Securities

    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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