Tata Capital personal loan interest rate and EMI calculator
Tata Capital's personal loan for salaried people, from ₹40,000 to ₹35 lakh over up to 6 years at 10.99% to 33% a year, with a processing fee of up to 5% and foreclosure charges of 4.5% to 6.5%.
- 10.99% to 33% a year
- ₹40,000 to ₹35 lakh
- Up to 6 years
We don't arrange Tata Capital loans. These figures are from Tata Capital's own pages, for comparison; apply on Tata Capital's own website or branch.
Rates and charges
- Interest rate
- 10.99% to 33% a year
- Other published rates
- Tata Capital publishes a rate of 10.99% to 33% a year and an APR (rate plus fees) of 10.99% to 45%. Salaried borrowers start from 10.99%; your rate depends on credit checks (read on 21 October 2026).
- Processing fee
- Up to 5% of the loan + GST, plus a documentation charge of up to ₹1,999 + GST
- Loan amount
- ₹40,000 to ₹35 lakh
- Tenure
- Up to 6 years
- Closing early
- 6.5% of the principal outstanding within 12 months of the first disbursement, 4.5% after that, + GST. No charge if you repay within the 3-day cooling-off period.
- Part-prepayment
- Free for up to 25% of the disbursed amount over the whole loan; beyond that, 6.5% of the amount part-paid within 12 months and 4.5% after, + GST.
- Who can apply
- Salaried
- Minimum income
- ₹20,000 a month
- Age
- 21–58 years
Tata Capital personal loan EMI calculator
Prefilled with Tata Capital's lowest published rate and its highest published processing fee (5%). Change any number to match your offer.
Your loan
- Monthly EMI
- ₹16,367
- Total interest
- ₹89,212
- Processing fee + 18% GST
- ₹29,500
- Total cost of the loan
- ₹1,18,712
- Effective annual cost
- 15.25%
- Money in hand
- ₹4,70,500
- You pay back in 3 yr
- ₹6,18,712
Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.
Same loan, different tenures
| Tenure | EMI | Total interest | Total cost (incl. fee + GST) | Effective annual cost |
|---|---|---|---|---|
| 12 months | ₹44,188 | ₹30,262 | ₹59,762 | 22.67% |
| 24 months | ₹23,302 | ₹59,238 | ₹88,738 | 17.17% |
| 36 months (yours) | ₹16,367 | ₹89,212 | ₹1,18,712 | 15.25% |
| 48 months | ₹12,920 | ₹1,20,176 | ₹1,49,676 | 14.27% |
| 60 months | ₹10,869 | ₹1,52,123 | ₹1,81,623 | 13.68% |
A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.
Lenders you can apply to through us
The lowest published starting rates among the lenders we compare. We may earn a commission from these.
- IDFC FIRST BankFrom 9.99% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- Poonawalla FincorpFrom 9.99% a year · ₹1 lakh to ₹50 lakhApply nowVia our referral partner. We may earn a commission.
- InCred10% to 36% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- KreditBee12% to 27.5% a year · ₹3,000 to ₹10 lakhApply nowVia our referral partner. We may earn a commission.
Not sure which lender will approve you? See offers matched to your profile
Check your loan offersVia our referral partner. It uses your PAN, credit score and income to suggest lenders likely to approve you. Approval isn't guaranteed. We may earn a commission. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.
Questions people ask
What is the Tata Capital personal loan interest rate?
Tata Capital publishes 10.99% to 33% a year. Tata Capital publishes a rate of 10.99% to 33% a year and an APR (rate plus fees) of 10.99% to 45%. Salaried borrowers start from 10.99%; your rate depends on credit checks (read on 21 October 2026). The rate you're offered depends on your credit score, income and employer.
What is the EMI on a ₹5 lakh Tata Capital personal loan?
At Tata Capital's lowest published rate of 10.99%, about ₹16,367 a month over 36 months; at 33%, about ₹22,056. Use the calculator above for your own amount and tenure.
What is Tata Capital's personal loan processing fee?
Up to 5% of the loan + GST, plus a documentation charge of up to ₹1,999 + GST. GST at 18% is added to the fee.
Can I close a Tata Capital personal loan early?
Closing early: 6.5% of the principal outstanding within 12 months of the first disbursement, 4.5% after that, + GST. No charge if you repay within the 3-day cooling-off period. Part-prepayment: Free for up to 25% of the disbursed amount over the whole loan; beyond that, 6.5% of the amount part-paid within 12 months and 4.5% after, + GST.
Can I apply for a Tata Capital personal loan through CreditParakh?
No. We don't arrange Tata Capital loans; apply on Tata Capital's own website, app or branch. If you'd like offers from several lenders at once, our partner's matching page suggests lenders based on your profile.
Related
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- Big banks' personal loan ratesSBI, HDFC, ICICI and others side by side
- Processing fees and foreclosure chargesEvery lender's charges in rupees
Last verified 21 Oct 2026 on each issuer's official page. Rates and fees change; check the lender's terms before you apply.
Source (Tata Capital's own page, not linked because we don't arrange its loans): https://www.tatacapital.com/personal-loan/rates-and-charges.html. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.