Tata Capital

Overview

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Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers. The Tatas are amongst the most respected business houses in the world. Tata Capital aims to bring the trust and expertise of the Tatas to an economically and socially relevant sector like financial services. The essence of brand Tata Capital is encapsulated in our brand proposition We only do what is right for you. The proposition reflects our strong resolve to deliver financial solutions that are right for our customers and the society at large.

Business Loan

Expand your Business today, pay as you grow.

We understand that expanding and growing your business is the dream of every entrepreneur. At times, you may require an urgent flow of finance to fuel the growth of your enterprise. Our Business loans are designed just for that. Customized with Flexi EMI options, that let you pay as you grow.

 

Features

No Guarantors & No Collaterals
You don't need to provide any Guarantors or give any collateral to avail our Business Loans.

Flexi EMI Option
Avail Flexi EMIs with Step Up, Step Down and Bullet repayment options to suit your Cash flows.

Preapproved Offers
Our existing customers can avail exclusive preapproved offers on business loans from time to time based on their eligibility.

Online Account Access
Now you have access to all the information about your loan like interest certificate, repayment track, payment schedule etc. Just by logging in with your loan account number you can have access to all the information you would want about your loan.

 

Eligibility

Parameters Eligibility
Age (For Individual Applicants) Minimum Age- 25 Years
Maximum Age- 65 Years
Business Continuity The Business should have been in profit for at least three years prior to the application.
Minimum Turnover A minimum turnover of Rs.40 Lacs for Proprietorship, Partnership Firm, Pvt. Ltd. Companies, LTD Companies (closely held), Societies, and Trusts is needed.
Profitability The business should be profitable for the last 2 years.
Income Tax Return Minimum of Rs.3 Lacs
Net Worth Should be positive
 

Documents Required

A Photograph each of self in case of individual applicant and the Co-applicant or Directors and Promoters in case of a company or Partners in case of a partnership firm or Authorized person.
IT Returns, Profit and Loss Account statement & Balance Sheet for the last 2 years and the Annexure.
Certified True copies of Bank account statements for the last 3 months.
Know Your Customer (KYC) Documents for the Co-applicant.
Partnership Deed or Article of Association (AOA) or Memorandum of Association (MOA) or License issued under the Shops and Establishments Act of the respective states for Business Proof.

 

Personal Loan

Be it a loan for a holiday abroad, your child's education loan, a loan for home renovation, a loan for a marriage or wedding in the family, repayment of an existing loan, an emergency or even buying that precious gift for your loved one, with Tata Capital's easy Personal Loans, you don't have to worry about financing your dreams and responsibilities.

 

Features

Flexi EMIs with Higher Loan Eligibility Our Flexi EMIs with Higher eligibility makes your dream come true. Choose from multiple repayment options like Step Up, Step Down and Bullet repayment.

Instant Online ApprovalsGet instant conditional approvals of up to Rs. 25 lacs on your personal loan through our online platform.

Minimum Documentation and VerificationWith minimum documentation get a conditional online approval for our Personal Loan. Our executives will visit your residence and complete the KYC and documents process.

Security or Guarantors not RequiredTo obtain the Personal Loan, there is absolutely no need to provide any security.

 

Eligibility and Documentation

Parameters Self Employed Professionals Self Employed Individuals
Age 25-65 Years 25-65 Years
Business Continuity Should be in the same Business & City for Minimum 3 Years Should be in the Business for Minimum 3 years &should also have a total work experience of 3 years
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 1) Identity Proof: Voters ID or Passport or Driving License
2) Address Proof: Ration Card or Electricity Bill or Rental Agreement or Trade License or Sales Tax Certificate.
3) Banks Statement for the last 6 months
4) Proof of Highest Professional Degree
5) 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.
1) Identity Proof: Voters ID or Passport or Driving License.
2) Address Proof:Ration Card or Electricity Bill or Rental Agreement or Trade License or Sales Tax Certificate.
3) Banks Statement for the last 6 months.
4) 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.
5) Proof of Continuation: Trade License or Sales Tax Certificate or Establishment. Certified copy of Partnership Deed, Memorandum of Association(MOA), Article of Association(AOA) and Board Resolution
Parameters Salaried
Segment 1) MNC
2) Public Ltd.
3) Co/Large Pvt. Ltd.
4) State Govt. /Central Govt.
4) PSU
Age Between 21-58 Years
Job Continuity Should have a job and worked with the current employ year for at least 1 year
Minimum Income Rs 20,000 per month
Minimum Loan Amount Rs 75,000
Maximum Loan Amount Rs 15,00,000
Tenure 12 - 72* Months
Documents Required 1)Identity Proof: Voters ID or Passport or Driving License
2) Address Proof: Ration Card or Electricity Bill or Rental Agreement or Passport.
3) Bank Statement for the last 3 Months
4) Latest Form 16
5) Most Recent Salary Slip or current dated Salary Certificate

Loan Against Property

Take advantage of every opportunity you have and leverage the potential of your existing property. Be it residential or commercial, you can acquire funds through the Loan Against Property facility at Tata Capital.

Whether it is for personal needs, business requirements, renovation of property or asset acquisition, you can avail a Loan Against Property to gather funds quickly and easily, and at attractive interest rates.

 

Features

Loans available from Rs.5 Lacs to up to Rs.3 Crores Loans against Residential & Commercial Property Loan tenor of 12 months to 120 months Easy monthly repayment through ECS or PDCs . Attractive interest rates Fast processing
 

Eligibility Criteria

Parameters Salaried Self Employed Professionals Self Employed Non Professionals (Individuals) Non Individuals
Segment MNC or Public Ltd. Co or Large Pvt. Ltd. or State Govt or Central Govt. or PSU Doctors, Architects, Chartered Accountants Traders, Retailers and wholesalers Firm, Pvt Ltd , Public
Age 1)Minimum- 25 Years
2)Maximum- 60 Years at loan maturity
1)Minimum- 25 Years
2)Maximum- 60 Years at loan maturity
1)Minimum- 25 Years
2)Maximum- 60 Years at loan maturity
NA
Income P.A Rs 2,40,000 Rs 2,50,000 Rs 2,50,000 Rs 3,00,000
Occupational Stability Minimum 3 Year Minimum 3 Year Minimum 3 Year Minimum 3 Year ( with 2 years cash profit)
 

Documents Required

Documentation is essential for applying for any sort of loan against property. However, we take minute care to make our documentation process quick and as less complicated as possible. Here is a list of documents required from applicant & co applicant(s) for successfully applying for a loan.

Document Salaried Self Employed professional Self Employed Non Professionals (Individuals) Non Individual
Application Form Yes Yes Yes Yes
Photograph Yes Yes Yes Yes
Identity Proof Yes Yes Yes Yes
Residence Proof Yes Yes Yes Yes
Signature verification Yes Yes Yes Yes
Income details (2 yrs.) Form 16 and latest 2 months’ salary slips IT returns, P&L and Balance Sheet IT returns, P&L and Balance Sheet IT returns, P&L and Balance Sheet
Bank Statements Latest 6 months Latest 6 months Latest 6 months Latest 6 months

Home Loan

Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers.

The Tatas are amongst the most respected business houses in the world. Tata Capital aims to bring the trust and expertise of the Tatas to an economically and socially relevant sector like financial services.

The essence of brand Tata Capital is encapsulated in our brand proposition We only do what's right for you'. The proposition reflects our strong resolve to deliver financial solutions that are right for our customers and the society at large.

 

Features

Based on the specific needs of the customer, the loan can be customized accordingly. The attractive floating interest rates do not affect the pocket of the customer. The processing of the loan is done at a faster pace to ensure the satisfaction of the applicant. Loan tenures range from 12 months to 360 months. The available loan amount range starts from Rs. 2 Lakh to Rs. 10 Crore for any type of residential property.
 

Eligibility Criteria

Salaried Individuals Self Employed professional Self Employed Individuals
Should be above the age of 24 years at the time of loan sanction and the tenure of the loan should end before 65 years or retirement, whichever is earlier Should be above the age of 24 years at the time of loan sanction and the tenure of the loan should end before 65 years or retirement, whichever is earlier Should be above the age of 24 years at the time of loan sanction and the tenure of the loan should end before 65 years or retirement, whichever is earlier
A good credit score A good credit score A good credit score
Employment stability should be more than 2 years    
 

Documents Required

Salaried Self Employed professional Business
Duly filled Application form with photograph Duly filled Application form with photograph Duly filled Application form with photograph
Identity and Residence Proof Identity and Residence Proof Identity and Residence Proof
Latest salary-slip Education Qualifications Certificate and Proof of business existence Education Qualifications Certificate and Proof of business existence
Form 16 Last 3 years Income Tax returns (self and business) Last 3 years Income Tax returns (self and business)
Last 6 months bank statements Last 3 years Profit or Loss statement and Balance Sheet Last 3 years Profit or Loss statement and Balance Sheet
Processing fee cheque Processing fee cheque Processing fee cheque
  Last 6 months bank statements Last 6 months bank statements (self and business)
    Business profile