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What is Tata Capital app.
Tata Capital is an app lending platform. Tata Capital personal loans to suit your diverse needs such as marriage, education, travel, home loan, and even medical needs. Tata Capital provides instant personal loans to all college students loan, salaried personal loans, and lenders approve unsecured loans based on a borrower’s creditworthiness. Unsecured loans are riskier than secured loans for lenders, so they require higher credit scores for approval.
Products Loan Types.
- Personal Loan
- Home Loan
- Loan Against Property
- Business Loan
- Travel Loan
- Marriage Loan
- Medical Loan
- Home Renovation Loan
- Loan for low cibil score
- Consumer Durable Loans
- Life Insurance
What is the minimum & maximum loan amount I can borrow?
- For Salary Advance loans you can borrow to Rs ₹20,000 to ₹ 25 Lacs
What are the interest rates of loan?
- Interest Rates maximum from 10.99% to 19% per annum as per CIBIL score.
- Processing Fee: 1499/- + Applicable GST.
- Repayment Period: 12 months to 60 months.
- Loan Amount – Rs. 1 Lac,
- Tenure – 4 Years,
- Interest Rate 12%, equates to Monthly EMI = 2633/-
- Cost of the Loan that you repay = Rs. 1,26,402/-
What Documents is required Tata Capital App for Loan?
- Pan Card
- Aadhar Card
- Profile pic
- Salary Slips (last 3-6 months)
- Bank Statement (last 6-12 months)
- Proof of current address (electricity bill, phone bill etc.)
Why I should choose on Tata Capital App?
- 100% paperless and digital process on mobile
- 24×7 access to loan/money
- Quick Approval
- Low processing Fee, longer tenure and attractive interest rate
- Fast Disbursal
- Directly disbursed to your bank account
- Pan-India access
- Convenience of payment through various methods
- Repay on time improves credit score and get access to higher amounts
- Repay later option lets you pay part of the loan on the due date & extend repayment term multiple times.
Do I need to provide any security or collateral or guarantors?
No, for a Personal Loan you don’t need to provide any security, collateral, or guarantors.
How long does it take for the disbursal?
We take 24 hours to 48 hours for the final approve/reject decision and additional 2-2 working days (required for document collection) for loan disbursal.
What are the eligibility criteria?
We look at a host of information relating to your income, income growth, and stability, spending habits, education credentials, etc. Based on your comprehensive profile, we take a decision on your eligibility for the loan amount applied
What happens if I default my loan?
Loan default is a serious offense and is highly non-advisable. In such a case, RBI has mandated all banks and NBFCs to report the default to all 4 Indian credit bureaus (CIBIL, Experion, etc.). As a result, you will not be able to avail loan from any other bank or NBFCs in the future. In addition, we may prosecute you for default under Section 138 of the Indian Penal Code if deemed necessary.
What happens if I am unable to pay EMI on time?
Please let us know if you are unable to pay back your loan in due time and we will be happy to extend our best support. Typically, we charge a late payment penalty on any delayed loan repayment. The late payment penalty amount depends on your profile, loan amount, and extent of delays.
What is the process to apply for a loan via Tata Capital?
Simply, you can download our application on Google play store, Then Fill in basic details; upload a KYC document, Income proof Then We will notify you of your loan sanction decision on a near real-time basis upon the completion of your KYC details. Documents, Then
How can I trust on Tata Capital app?
Nowadays, loans have become more accessible to borrowers once they meet the required eligibility criteria. The major concern arises with choosing between banks and NBFCs. In a Financial Stability Report, the RBI confirmed that NBFCs are outperforming banks, increasing customer satisfaction.
RBI has necessitated that trustees would need to be entirely responsible for the protection of depositors’ interests. For this purpose, the central bank has mandated the trustee company to enforce security and take possession of the property charged in accordance with the provisions of the deed.To know more, you can visit their official website
Disclaimer: We only give information about applications, Loans, NBFCs, Bank, Jobs, New Scheme by reading their official website and analyses all the things. You will get the loan through Tata Capital App.