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Tata Capital Financial Services Limited

The Tata Group is a world renowned business House. Tata Capital is a subsidiary of TATA Sons Ltd, offering through itself and its subsidiaries both fund and fee based Products.

The company deals in commercial finance, private equity, investment banking, wealth management, infrastructure finance, consumer loans, travel related services, foreign exchange and leasing services. Tata Capital has alliances with some of the major financial giants of the world like Mizuho Securities and International Finance Corporation. The company has a wide network of offices across the country to take their financial products and services to as many retail and consumer customers as possible.

The group brings to the financial sector the same expertise and experience that it has been known for. The tagline of the company is “We do what is right for you”, which depicts the superior level of commitment that the company has towards its customers.

Eligible Profiles & Products

Eligible Profile Products
Salaried Personal Loan
Car Loan
2 Wheeler Loan
Self Employed Personal Loan
Car Loan
2 Wheeler Loan
Firms and companies Car Loan
2 Wheeler Loan
Business Loan

Eligibility and Documents for Salaried

Products Documents list Eligibility criteria and locations
Car Loan
  1. PAN Card
  2. Address Proof
  3. Signature Verification Proof
  4. One Photograph
  5. ITR/Salary Slips/Form 16
  6. Bank Statement of last 3 month

- New Car Locations : Agra, Dehradun, Delhi NCR, Durgapur, Guwahati, Kanpur, Karnal, Kolkata, Lucknow, Amritsar, Chandigarh, Jaipur, Jalandhar, Jodhpur, Kota, Ludhiana, Patiala, Udaipur, Bangalore, Calicut, Chennai, Coimbatore, Hubli, Hyderabad, Cochin, Madurai, Mangalore, Pondicherry, Salem, Trichy, Vishakhapatnam, Bhubaneshwar, Bilaspur, Goa, Indore, Jamshedpur, Mumbai and Thane, Raipur, Ahmedabad, Anand, Aurangabad, Kolhapur, Nagpur, Nashik, Pune, Rajkot, Surat, Vapi, Kottayam, Thrissur, Baroda

- Used Car Locations : Agra, Delhi NCR, Guwahati, Kanpur, Karnal, Kolkata, Lucknow, Amritsar, Chandigarh, Jaipur, Jalandhar, Jodhpur, Ludhiana, Bangalore, Chennai, Coimbatore, Hyderabad, Kochi, Madurai, Mangalore, Goa, Indore, Mumbai and Thane, Raipur, Ahmedabad, Aurangabad, Nagpur, Nasik, Pune, Rajkot, Surat, Baroda

Personal Loan
  1. Most Recent Salary Slip or current dated Salary Certificate
  2. Latest Form 16
  3. Bank Statement for the last 3 Months
  4. Address Proof: Ration Card/Electricity Bill/Rental Agreement/ Passport.
  5. Identity Proof: Voters ID /Passport/Driving License

- Employment: MNC/Public Ltd/Large Pvt Ltd/State or Central Govt/PSU
- Age: 21-58 years
- Job Continuity: Should be with the current employer for atleast 1 year.
- Minimum Income: Rs. 20,000/-

Fees and Charges for Salaried

Products Fees and Charges
Personal Loan Cancellation charges: 2% of loan amount or Rs 5,750, whichever is higher
Check bounce charges: Rs 450
Duplicate NOC: Rs 550
Duplicate repayment schedule: Rs 550
Execution of award: Rs 5,600
Foreclosure charges for top-ups: 2% on the future principal outstanding on the existing loan + ST
Foreclosure charges: 4.5% of the principal outstanding at the time of foreclosure + ST
Legal notice: Rs 300
Post-dated check charges: Rs 850
Receiver order - District Court: Rs 4,000
Receiver order - High Court: Rs 13,500
Sections 138 and 25: Rs 3,400
Swapping charges: Rs 600

Eligibility and Documents for Self Employed

Products Documents list Eligibility criteria and locations
Personal Loan
  1. 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.
  2. Proof of Highest Professional Degree
  3. Banks Statement for the last 6 months
  4. Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate.
  5. Identity Proof: Voters ID /Passport/Driving License

- Business Continuity: Should have a total work experience of 3 years and should be in the same Business for 3 years.
- Age: 25-65 yrs

Fees and Charges for Self Employed

Products Fees and Charges
Personal Loan Cancellation charges: 2% of loan amount or Rs 5,750, whichever is higher
Check bounce charges: Rs 450
Duplicate NOC: Rs 550
Duplicate repayment schedule: Rs 550
Execution of award: Rs 5,600
Foreclosure charges for top-ups: 2% on the future principal outstanding on the existing loan + ST
Foreclosure charges: 4.5% of the principal outstanding at the time of foreclosure + ST
Legal notice: Rs 300
Post-dated check charges: Rs 850
Receiver order - District Court: Rs 4,000
Receiver order - High Court: Rs 13,500
Sections 138 and 25: Rs 3,400
Swapping charges: Rs 600