What Tata Capital asks for on personal, home, business, vehicle, education loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Tata Capital tends to lend (our read): NBFC with bank-like discipline. Lowest published salaried income floor in this set at Rs 15,000, and only 6 months required with the current employer. Lends in: Metro, Tier 2, Tier 3 / other locations.
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to 5% + GST (non-refundable); documentation up to Rs 1,999; penal charge 3% a month; bounce Rs 600; part-prepayment free up to 25% of the disbursed amount, otherwise 6.5% within 12 months and 4.5% after; foreclosure 6.5% within 12 months, 4.5% after; cancellation 2% or Rs 5,750, whichever is higher.
Documents Tata Capital lists
PAN card (mandatory) plus Aadhaar, voter ID, passport or driving licence
Address proof: Aadhaar, utility bill, passport or rent agreement
Salaried: latest 3 months' salary slips, Form 16 for 2 years, 3 to 6 months' salary-account statements, employee ID or offer letter
Self-employed: latest ITR, audited balance sheet and P&L for the past 2 years
Research notes
Salaried criteria are from the product page: age 21 to 58, Rs 20,000 a month, 2 years total experience with 1 year in the current job and CIBIL 725+ described as preferred (the separate documents page still says Rs 15,000, a live conflict - product page used). Self-employed applicants may apply but Tata publishes no self-employed thresholds, so they are assessed on the salaried values as our estimate. The 12-month minimum tenure, 60% FOIR and 24x income multiple are our working estimates; rates run 10.99% to 33% (APR up to 45%) on the rates page.
₹30,000 net per month; self-employed: ₹3,60,000 a year
Minimum credit score
685 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
2 years total
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹5,00,000 to ₹7,50,00,000
Tenure
3 years to 30 years
Interest rate
8% to 13% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to 3% + GST; delayed EMI 2% a month; cheque or NACH dishonour Rs 700; no prepayment charge when prepaid from own funds (a nominal charge may apply for third-party funds).
Documents Tata Capital lists
Application form with photograph; identity, address and age proof (PAN, Aadhaar, passport, voter ID or driving licence)
Salaried: 12 months' salary-account statements, 3 months' salary slips, Form 16 / ITR, appointment and increment letters
Self-employed: 2 years' ITR with computation, 3 years' CA-certified balance sheet and P&L, 12 months' current-account and CC/OD statements, business profile or registration
Existing loan details and processing-fee cheque
Research notes
Product page criteria: age 21 at application to 65 at maturity, Rs 30,000 monthly income for salaried and self-employed, 2 years' work experience (salaried) or 3 years in the same business, CIBIL 725+ described as ideal. Rate uses the detailed rates-and-charges table (salaried 8.00% to 13.00%, self-employed 8.35% to 13.00%); the main page headline says 7.50% and the same rates page body says 8.75%, a live conflict. The 685 score floor, 55% FOIR and 36-month minimum tenure are our working estimates.
Processing fee up to 3% + taxes (non-refundable); documentation Rs 1,999; part-prepayment or foreclosure 4.5%; penal charge 3% a month; bounce Rs 600; cancellation 2% or Rs 5,750, whichever is higher.
Documents Tata Capital lists
PAN or Form 60; photo ID and address proof (voter ID, driving licence, passport, Aadhaar)
Business proof as applicable: registration certificate, trade or shop and establishment licence, GST certificate, partnership deed, proprietorship declaration, Udyam
2 years' ITR with computation, audited financials with tax audit report and P&L
6 months' current-account statements and 6 months' GST statements
Research notes
Product page criteria: age 21 to 65 at maturity, 2 years of business continuity with regular profits, a monthly bank balance of Rs 5,000+ and CIBIL 675+ (the same page's FAQ says there is no fixed minimum score, a live conflict). Tata publishes no turnover bar, so the earlier blog-sourced Rs 10 lakh figure is dropped; the 750 preferred score is our estimate. Up to Rs 1 crore applies only in select cities and schemes; a separate salaried route (CIBIL 675+, age 21 to 65) is not modelled.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Credit score
700+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Work experience (salaried)
2 years total
Business vintage (self-employed)
1 year in business
Vehicles financed
New car
Funding (LTV)
up to 100% of the price (new car)
Loan amount
₹1,00,000 to ₹5,00,00,000
Tenure
1 year to 7 years
Interest rate
9.49% to 12.49% p.a.
Fees and charges
Processing up to 2.95% of the loan amount; documentation Rs 1,999; cancellation Rs 6,500; part-prepayment and foreclosure 6% within 12 months, 5% after; dishonour Rs 600; penal 3% per month.
Documents Tata Capital lists
Identity and address proof: voter ID, passport, driving licence or Aadhaar (PAN also accepted as identity proof)
Salaried: salary slips for the last 3 months and last 3 months' bank statements
Self-employed: ITR for the last 2 years, audited balance sheet and P&L, last 3 months' bank statements
Partnership / company: partnership deed or certificate of incorporation, MOA / AOA
Vehicle invoice / proforma invoice and signed application form
Research notes
Tata Capital's New Car Loan page publishes: salaried 21 to 60 at maturity, Rs 3 lakh a year (Rs 25,000/month = 3 lakh / 12), 2 years' experience; proprietors 21 to 65 at maturity, 1 year's business vintage, Rs 3 lakh a year; partnership / HUF / others also need average bank balance of at least 0.5x EMI. The FAQ's 1 year with the current employer is not used as a gate. Loans Rs 1 lakh to Rs 5 crore over 1-7 years, up to 100% of on-road price in eligible cases (80%-90% otherwise). Only a 9.49% starting rate is published; the 12.49% top is our estimate (start + 3 points), and 700+ is the page's guidance, not a hard floor.
Processing up to 2% (non-refundable); penal 3% per month (36% p.a.); dishonour Rs 600; mandate rejection Rs 450; foreclosure, part-prepayment, repricing and cancellation nil; secured loans legal/valuation Rs 5,000 and document handling Rs 5,000.
Documents Tata Capital lists
Student: photograph, photo ID and address proof, PAN or Form 60, signature verification
Student: academic records and entrance-exam scores, admission proof (offer letter or I-20)
Salaried co-applicant: Form 16 for 2 years, 6 months' bank statements, 3 months' salary slips
Self-employed co-applicant: ITR, P&L, balance sheet, 6 months' bank statements
Secured loans: property title deed, encumbrance certificate, tax receipt, valuation report, or FD receipts with lien letter
Research notes
Main Education Loan page: Indian student aged 18 to 35 (a course section says 18 to 45 for some programmes, conflict noted), 10+2 or diploma completed, admission or pre-admission sanction for a listed institute in India or abroad, and a co-borrower (parent, sibling, spouse, grandparent, in-law or uncle) typically required. Unsecured up to Rs 85 lakh, secured up to Rs 2 crore, repayment up to 15 years, moratorium course + up to 12 months. Fixed headline rate 9.50% to 21%. No co-borrower income or score floor is published; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.
ClearToLend is not affiliated with or endorsed by Tata Capital. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Tata Capital before you apply. A match is not a loan offer or approval.
Tata Capital Loan FAQs
The minimum net monthly income is ₹20,000, according to Tata Capital's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 725 or above, according to Tata Capital's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 58 when the loan ends, according to Tata Capital's own website.
Rates run from 10.99% to 33% a year, according to Tata Capital's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹30,000, according to Tata Capital's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 685 or above, according to Tata Capital's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, according to Tata Capital's own website.
Rates run from 8% to 13% a year, according to Tata Capital's own website. Your own rate depends on your credit score, income and employer.
A credit score of 675 or above, according to Tata Capital's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, according to Tata Capital's own website.
Rates run from 12% to 30% a year, according to Tata Capital's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Tata Capital's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Tata Capital and does not send your details to it.
