Tata Capital Personal Loan EMI Calculator
Calculate your monthly EMI for Tata Capital personal loans at 10.99%-28% interest for amounts up to ₹35,00,000.
₹
₹75,000₹35,00,000
%
11.0%28.0%
12 Mo72 Mo
Monthly EMI
₹9,321
Total Interest
₹23,695
Total Payment
₹2,23,695
Monthly EMI
₹9,321
Principal Amount
₹2,00,000 (89.4%)
Total Interest
₹23,695 (10.6%)
Amortization Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹94,539 | ₹17,313 | ₹1,11,852 | ₹1,05,461 |
| Year 2 | ₹1,05,461 | ₹6,382 | ₹1,11,852 | ₹0 |
Tata Capital Personal Loan at a Glance
Interest Rate
10.99%
to 28%
Max Amount
₹35,00,000
min ₹75,000
Min CIBIL
700
minimum score
Tenure
Up to 72 mo
min 12 months
Tata Capital Loan Details
| Interest Rate | 10.99% — 28% p.a. |
| Loan Amount | ₹75,000 to ₹35,00,000 |
| Tenure | 12 to 72 months |
| Processing Fee | Up to 2.75% |
| Prepayment Charges | 2.5% after 12 months |
| Min CIBIL Score | 700+ |
| Min Monthly Salary | ₹20,000 |
| Age Requirement | 22 to 58 years |
| Employment Types | Salaried, Self-employed |
| Disbursal Time | 24-48 hours |
EMI Example: ₹2,00,000 at 10.99%
Loan Amount: ₹2,00,000
Interest Rate: 10.99% p.a. (best rate)
Tenure: 24 months
Monthly EMI: ₹9,321
Total Interest: ₹23,704
Total Payment: ₹2,23,704
Pros
- +Tata brand trust
- +Flexible loan amounts
- +Long tenure option (72 months)
- +Good customer service
Cons
- -700+ CIBIL required
- -Higher minimum loan amount
Tata Capital EMI Calculator — FAQs
What is the EMI for a Tata Capital personal loan?
For a ₹2,00,000 loan at 10.99% interest for 24 months, the EMI would be approximately ₹9,321 per month. Total interest payable would be ₹23,704. Use the calculator above to try different amounts and tenures.
What interest rate does Tata Capital charge on personal loans?
Tata Capital charges personal loan interest rates starting from 10.99% p.a. going up to 28% p.a. The actual rate depends on your credit score, income, employment type, and existing obligations. A CIBIL score of 750+ typically gets you rates closer to the lower end.
What is the minimum CIBIL score for a Tata Capital personal loan?
The minimum CIBIL score required for a Tata Capital personal loan is 700. A higher score (750+) will help you get a lower interest rate and better terms.
Can I prepay my Tata Capital personal loan early?
Tata Capital's prepayment policy: 2.5% after 12 months. Prepaying your loan reduces the outstanding principal and can save you significant interest over the remaining tenure. Use the calculator to see how much you can save.
How fast does Tata Capital disburse personal loans?
Tata Capital typically disburses personal loans within 24-48 hours. Disbursal time depends on document verification, KYC completion, and your profile. Existing Tata Capital customers may get faster disbursal through pre-approved offers.
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Calculate EMI →Compare Tata Capital with 14 other lenders — automatically
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