Tata Capital Personal Loan

Up to 5.5% of the loan amount +GST

1. No part prepayment allowed in the first 6 months
2. Prepayment allowed only once in a year
3. There has to be a gap of minimum of 6 months between two part payments

1. Prepayment charge is 2.5% + GST on amount over and above 25% of outstanding principle
2. Part payment amount is up to 25% of the outstanding principle

3% on overdue amount + GST

Rs.850 + GST

Rs.600 for every cheque/ Payment Instrument/ ECS Dishonour + GST

2% of loan amount or Rs.5,750 whichever is higher

Rs.550 + GST

1. No foreclosure charges in the first 6 months
2. 4.5% of the outstanding principle at the time of foreclosure + GST

2.5% on the future outstanding principle of the existing loan + GST

1. No foreclosure charges in the first 6 months
2. 4.5% on the drop-down limit amount+ GST

Rs.450 + GST (Charges will be levied if the new mandate form is not registered within 30 days of the rejection of the previous mandate form)

0.25% on the drop line amount + GST or Rs.1,000 whichever is higher

Rs.100 + GST

1. Soft copy: Nil
2. Branch walk-in: Rs.250 + GST

1. Soft copy: Nil
2. Branch walk-in: Rs.550 + GST

Rs.550 + GST

1. Soft copy: Nil
2. Branch walk-in: Rs.199 + GST

1. MNC
2. Public Ltd.
3. Co/Large Pvt. Ltd.
4. State Govt. /Central Govt.
5. PSU

Between 21-58 Years

Should have a job and worked with the current employer for at least 1 year

Rs.20,000 per month

Rs.75,000

Rs.15,00,000

12-60 Months

• Identity Proof: Voters ID /Passport/Driving License
• Address Proof: Ration Card/Electricity Bill/Rental Agreement/ Passport.
• Bank Statement for the last 3 Months
• Latest Form 16
• Most Recent Salary Slip or current dated Salary Certificate

Age

25-65 Years

25-65 Years

Business Continuity

Min. 3 years in the same business and city

Min. 3 years in the same business and city

Minimum Income

Rs.2,00,000 per year

Rs.2,00,000 per year

Minimum Loan Amount

Rs.75,000

Rs.75,000

Maximum Loan Amount

Rs.15,00,000

Rs.15,00,000

Tenure

12-48 Months

12-48 Months

Documents Required

• Identity Proof: Voters ID /Passport/Driving License
• Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate.
• Banks Statement for the last 6 months
• Highest Professional Degree
• Latest Income Tax Return(ITR)

• Identity Proof: Voters ID /Passport/Driving License
• Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate.
• Banks Statement for the last 6 months
• Latest Income Tax Return(ITR) along with the computation of income, Balance sheet(B/S) and Profit& Loss(P&L) for the last 2 years certified by a CA.
• Proof of Continuation: Trade License/Sales Tax Certificate/Establishment.