HDFC BankVSTata Capital
HDFC Bank vs Tata Capital Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
9.99–24% ✓
10.99–33%
Min CIBIL
720+
700+ ✓
Max Amount
₹40,00,000 ✓
₹35,00,000
Min Salary
₹25,000
₹20,000 ✓
Disbursal
24 hours
24-48 hours
Processing Fee
Up to ₹6,500 + GST
Up to 5% + GST
Prepayment
2-4% of outstanding
2.5% after 12 months
Type
BANK
NBFC
HDFC Bank wins on 2 features, Tata Capital wins on 2. But the best lender for you depends on your salary and CIBIL — not just the specs.
HDFC Bank
✅Largest private bank — high trust
✅Competitive rates for 750+ CIBIL
✅Instant approval for existing customers
❌Strict CIBIL requirement (700+)
❌Higher rates for lower CIBIL
Tata Capital
✅Tata brand trust
✅Flexible loan amounts
✅Long tenure option (72 months)
❌700+ CIBIL required
❌Higher minimum loan amount
Frequently Asked Questions
Which is better — HDFC Bank or Tata Capital for personal loan?
It depends on your profile. HDFC Bank offers rates from 9.99% (needs CIBIL 720+), while Tata Capital starts at 10.99% (needs CIBIL 700+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
HDFC Bank vs Tata Capital — which has a lower interest rate?
HDFC Bank has the lower starting rate at 9.99%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for HDFC Bank and Tata Capital?
HDFC Bank requires 720+, Tata Capital requires 700+. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to HDFC Bank or Tata Capital?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 100+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
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Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact