Tata Capital Personal Loan
The trusted Tata name behind every loan
nbfc4.2/5 (8,800 reviews)Disbursal: 24-48 hours
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No app download · Zero CIBIL impact
Interest Rate
10.99%
to 33%
Loan Amount
₹35,00,000
min ₹40,000
Min CIBIL
700
minimum score
Tenure
72
months max
Interest rate, loan amount and eligibility figures from Tata Capital's own website, checked 13 Oct 2026. Where its pages disagree, we show the stricter figure.
✓ RBI-Registered Entity
Loans from Tata Capital are given by an RBI-registered NBFC or bank. View the full RBI registration record, grievance officer details, and Banking Ombudsman escalation path.
Tata Capital Personal Loan Details
| Interest Rate | 10.99% - 33% p.a. |
| Loan Amount | ₹40,000 to ₹35,00,000 |
| Tenure | 12 to 72 months |
| Processing Fee | Up to 5% + GST |
| Prepayment | 2.5% after 12 months |
| Min CIBIL Score | 700+ |
| Min Salary | ₹20,000 |
| Age | 21 to 58 years |
| Employment | salaried |
| Disbursal Time | 24-48 hours |
Pros
- +Tata brand trust
- +Flexible loan amounts
- +Long tenure option (72 months)
- +Good customer service
Cons
- -700+ CIBIL required
- -Higher minimum loan amount
Best For
Borrowers who value brand trust
Special Offer
Balance transfer loans available
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Tata Capital — Frequently Asked Questions
What is Tata Capital personal loan interest rate?
Tata Capital offers personal loans at 10.99% to 33% per annum. Your actual rate depends on your CIBIL score, salary, and loan amount. To find out your exact eligible rate from Tata Capital and compare it with other lenders, check your pre-approved offers on GoCredit — it takes 60 seconds and doesn't affect your CIBIL.
What is the minimum CIBIL score for Tata Capital?
Tata Capital typically requires a CIBIL score of 700+. If your score is lower, GoCredit's AI Loan Agent can match you with other lenders that accept your current profile — no need to apply and get rejected. Check your eligibility across all lenders on GoCredit first.
How to apply for Tata Capital personal loan?
The fastest way to apply is through GoCredit's AI Loan Agent. It checks your eligibility for Tata Capital along with 100+ other lenders, shows you pre-approved offers, and auto-applies to the best matches — all in under 2 minutes. You get the best rate without filling multiple forms.
How fast is Tata Capital loan disbursal?
Tata Capital typically disburses in 24-48 hours after approval. Applying through GoCredit can speed this up — the AI pre-fills your information and sends a complete application, reducing back-and-forth with the lender.
Is Tata Capital the cheapest option for me?
Tata Capital starts at 10.99%, but your actual rate depends on your profile. Another lender might offer a lower rate for your specific salary and CIBIL combination. GoCredit's AI Loan Agent compares Tata Capital with 100+ lenders to find the absolute cheapest option for you — often saving ₹2,000-15,000 per year in interest.
Who can apply for Tata Capital personal loan?
Tata Capital accepts: salaried. Age: 21-58 years. Minimum income: ₹20,000/month. Use GoCredit to instantly check if you qualify for Tata Capital and discover other lenders that match your profile.
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