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Do you need funds for an urgent medical expense, a small home renovation, or a personal project? You can comfortably avail of an instant personal loan of up to Rs. 1 lakh with Tata Capital, making your financial needs manageable. Tata Capital offers a simple and efficient loan application procedure, attractive interest rates, and fast disbursal, ensuring you meet your immediate goals. From covering life's surprises to funding your aspirations, our loans are here to empower your journey with ease and adaptability.
Use the Tata Capital personal loan EMI calculator to easily estimate your monthly repayments. Just enter the desired loan amount, interest rate, and tenure to see the repayment details.
To qualify for an instant Rs. 1 lakh personal loan with Tata Capital, salaried applicants must meet the following criteria:
1. Age Eligibility: You must be between 21 and 58 years old.
2. Minimum Monthly Income: A minimum fixed monthly income of Rs. 15,000 is essential.
3. Professional Work Experience: All applicants should have at least one year of professional work experience.
Photo ID Proof: Voter ID, Passport, Aadhaar Card, or Driving License.
Address Proof: A valid document such as Voter ID, Passport, Aadhaar Card, or Driving License.
Salary Slips: Salary slips (past two months).
Bank Statement: Bank statement (last three months).
Employment Certificate: A certificate confirming at least one year of employment.
| Processing Fees | Up to 4% of the amount + GST. |
|---|---|
| CCOD Annual Maintenance Charges (For customers opting for a flexible funding option like PL Overdraft) | The charges include 0.25% of the reduced assigned limit or ₹1,000 (whichever is higher), payable at the end of the 13th month. |
| Collection Charge | If a cheque issued for payment is from a non-local branch, Tata Capital levies outstation collection charges on an "At Actuals" basis. |
| Statement of Accounts (hard copy for branch walk-in requests) | ₹250 + GST. You can download the statement for free from the online portal. |
| Loan Cancellation Charges (post disbursement) | 2% of the loan amount or Rs. 5,750 (whichever is higher). |
| Payment Instrument Swapping Charges (eMandates/post-dated cheques from another account for EMI repayment) | Rs. 550 + GST per instance. |
| Duplicate Repayment Schedule | Rs. 550 + GST per instance. |
| Duplicate No Objection Certificate (NOC) | Rs. 550 + GST per instance. |
You can secure a loan for Rs. 1 lakh personal loan from Tata Capital if you meet the eligibility criteria, including age, income, credit score, and employment status. For more details, visit our website.
The monthly EMI for a Rs. 1 lakh loan depends on several factors such as the loan amount, interest rate, and loan tenure. You can use Tata Capital's online EMI calculator to estimate your monthly EMIs in advance.
At Tata Capital, we require minimal documentation for a Rs. 1 lakh personal loan. You will need basic documents such as your PAN or Aadhaar card, along with proof of employment and bank statements.
If you don’t have salary slips, you can submit alternative documents like Form 16, bank statements showing salary deposits, or your latest Income Tax Return (ITR) acknowledgement as proof of income.
Tata Capital offers unsecured personal loans of up to Rs. 1 lakh, meaning no collateral is required. You can access the funds you need without pledging any valuable assets.
If you don’t have income proof, you can provide documents like recent salary slips, bank statements with salary deposits, Form 16, or the latest ITR with acknowledgment to ensure a smooth approval process.
You can apply for a Rs. 1 lakh loan with a low credit score, though it may lower your chances of approval, as your credit score reflects your financial reliability. A high credit score of 725 or above, on the other hand, brings several advantages, including:
1. Faster loan approval.
2. The option for longer loan tenures with smaller, more manageable EMIs.
3. The ability to secure more competitive interest rates.
4. Higher likelihood of being offered a pre-approved loan.
You can register for your personal loan using your Aadhaar card and PAN card as part of the necessary documents. Here's a list of what a salaried individual needs to provide:
1. Completed application form with a recent photograph.
2. Proof of identity and address: A self-attested copy of one of the following documents—Driving License, Passport, Voter ID, or Aadhaar Card.
3. PAN Card: Self-attested copy.
4. Proof of Income: Salary slips (last two months)
5. Bank statement: Salary account statement for the last three months showing credit of salary.
Tata Capital provides a pre-approved loan option that ensures rapid access to funds. Fill out the application form online, submit the necessary documents, and once verified, the approved amount will be swiftly disbursed to your account.
Last updated on: 17 Jun, 2025
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