TATA Capital Personal Loan Interest rates in Chittoor
Up To 25000 | 26000 To 30000 | 31000 To 40000 | 41000 To 50000 | 51000 To 75000 | 75000 Above | |
---|---|---|---|---|---|---|
CAT A | 11.25% | 11.25% | 17.00% | 15.50% | 13.99% | 13.99% |
CAT B | 17.00% | 17.00% | 17.00% | 15.00% | 14.50% | 14.50% |
CAT C | 17.00% | 17.00% | 17.00% | 17.00% | 17.00% | 17.00% |
Others | 19.00% | 19.00% | 19.00% | 19.00% | 19.00% | 19.00% |
Super CAT A | 11.25% | 11.25% | 12.99% | 12.99% | 11.99% | 11.99% |
Features of TATA Capital Personal Loan Chittoor
Type | Features |
---|---|
Processing Fee | 2.00% |
Pre Closure Charges | upto 4.0% |
Part Payment Charges | Allowed |
Min Tenure | 1 Years |
Max Tenure | 6 Years |
Min Age | 23 Years |
Max Age | 60 Years |
Min Loan Amount | Rs.75,000/- |
Max Loan Amount | Rs.25,00,000/- |
Min Monthly Salary | Rs.20,000/- |
Residence Years In City | 1 Years |
Total Work Experiance | 2 Years |
TATA Capital Personal Loan Chittoor Charges
Type | Charges |
---|---|
E M I Bounce Charges | Rs. 500/- |
Duplicate Statement Charges | Free |
Cheque Swapping Charges | Rs. 450/- |
Issue Amortization Schedule Duplicate | Free |
Photocopy Documents | Free |
Default Interest Rate | @2.0% Per Month |
C I B I L Report Issuance Charges | Rs. 50/- |
Documentation For Personal Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Address Proof
- Latest 3 months Payslips
- Job Continuity Proof
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
Identity Proof For Personal Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Personal Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Income Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Address Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Job Continuity Proof For Personal Loan
- Form 16
- Relieving letter
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Personal Loan
- Bank statements of latest 2 months
- 3 months bank passbook
TATA Capital Personal Loan FAQ's
What is a Personal Loan?
A personal loan is an unsecured loan. This means you don't have to put up any collateral, as with a car loan or a home loan, where the underlying asset is mortgaged with the lender. You do not need a guarantor either. There are several other advantages as well, such as minimum documentation, fast processing etc. Furthermore, you can use this loan for any purpose you like.
What are the minimum and maximum loan amounts?
You can avail of personal loans ranging from Rs.75,000 to Rs.15,00,000, depending on your eligibility, income and repayment capacity.
What are the tenure options for a personal loan?
The loan can be repaid over a period of 12 to 60 months.
Are there any additional charges?
A processing fee is payable upfront. This fee will be deducted from the disbursal amount payable to you.
How much time will it take for my loan to be approved?
Loans are approved within 72 hours of submission of complete documentation.
Do I have to provide any security, collateral or guarantors?
A personal loan is an unsecured loan. This means you don't have to put up any collateral, as with a car loan or a home loan, where the underlying asset is mortgaged with the lender. You do not need a guarantor either. There are several other advantages as well, such as minimum documentation, fast processing. Furthermore, you can use this loan for any purpose you like.
How do I repay the loan?
You may repay through ECS (Electronic Clearance System) by instructing your banker to deduct the EMI (Equated Monthly Installment) from the nominated Bank Account, or you may also pay through post-dated cheques, favouring Tata Capital Financial Services Limited.
Can I prepay my loan?
"Yes, you can prepay the entire outstanding loan amount any time after 180 days of availing the loan. Tata Capital also offer part pre-payment facility. • Part pre-payment is permissible, only after 6 months of the loan disbursed • Maximum of 25% part payment is permissible within an annual cycle and with a gap of more than 6 months between two part payments. "
Can I get a personal loan for business purposes?
Yes, you can avail personal financefor business purposes
Do you offer a top-up loan on an existing personal loan?
Tata Capital offer top-up facility depending on the original loan tenure after the payment of 8-18 EMIs.
How can I obtain my un-banked PDC or security PDCs?
If you wish to procure the post-dated cheques or security post-dated cheques that remain un-banked at the end of the loan tenure or details regarding the same, you should raise a request within 30 days of closure of the loan or change the repayment mode. If this is not done, Tata Capital shall have the discretion to destroy the un-banked post-dated cheques including security post-dated cheques without any further notice and Tata Capital shall not have any obligation to return the same to you.
What is the procedure to prepay my personal loan?
"For prepayment of your personal finance account, visit our branch or call us at 18002096060. We request you to carry the following documents while visiting the branch: • Statement stating the clearance of the last installment • Request letter signed by the loan applicant • Foreclosure statement • PAN card The payment can be made through cash, cheque or demand draft. "
About TATA Capital
Tata Capital Bank is India's largest international bank with 99 branches in 42 cities, and this bank is been operating in India since 1858 In 1858, it opened its first branches in Calcutta, Bombay and Shanghai. Tata Capital Bank is offering Credit Cards, Accounts & Deposits, Personal Loans, Against Securities, Against Term Deposits, Home Loan, Balance Transfer, Loan against Property.
Tata Capital bank is Home Saver is a unique home loan that enables you to pay your home loan in half the time, at half the cost. A linked Transaction Account will be associated with your Home Loan. The surplus money in your Linked Transaction Account will be used to offset the principal of your home loan, which will result in faster closure of your loan. Effectively, interest will be paid only on the difference between the outstanding loan amount and your surplus funds."
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Why to Avail Personal Loans?
Expert Advice
Best Practices for Personal Loan
Things not to do for Personal Loan
Factors that affect interest rates on Personal Loan
Personal Loan Advantages and Disadvantages
Personal Loan Advantages:
Personal Loans Disadvantages:
10 Things to Keep in Mind While Taking a Personal Loan
About Chittoor
Chittoor district is a district in Rayalaseema region of the Indian state of Andhra Pradesh. The district headquarters is located at Chittoor. It has a population of 4,170,468 according to 2011 census of India.
Chittoor district has many major temples including Tirupati, Kanipakam and Sri Kalahasti temples. It lies in the Poini river valley of southernmost Andhra Pradesh along the Chennai – Bangalore section Chennai-Mumbai highway. It is a major market centre for mangoes, grains, sugarcane, and peanuts.Chittoor District was formed on 1 April 1911, taking Chittoor, Palamaneru, Chandragiri from the then North Arcot District of Madras State and Madanapalli, Vayalpadu from Kadapa and Punganur, Sri Kalahasti, Karvetinagar from Zamindari provinces to form united Chittoor district.
Later in the Apri1- 1-1960 ,319 villages of chittoor district were added into the then Kanchipuram districtand Thiruvallur districts of Tamil Nadu through the demands of Ma. Po. Si. and other leaders.
Places To Be Visited In Chittoor
Horsley Hills
Horsley Hills is a hill station in Chittoor. It is called ‘Andhra Ooty’. This would be a great place if you want to relax and not keen to be looking for some place to visit. The views are picturesque and the weather is awesome. An ideal place with a serene atmosphere if you are keen to rejuvenate your spirits. Trekking would be challenging and you can indulge in other outdoor activities like swimming and archery. Children will love the park and the small zoo here.
Kalavagunta
Kalavagunta is situated at the convergence of Aragonda and Ponnai rivers. It is located 8 km away from Chittoor and it houses temples of historic importance. The two famous temples found here belong to the 9th century and they are built in Chola architectural style. The carvings are intricate and the architecture brilliant.
Gurramkonda Fort
Gurramkonda Fort is located on top of a hill that is 500 foot high. Initially, the fort was constructed using mud and rock during the Vijayanagar empire and later went into the hands of Golconda sultans. It was during this period the fort was strengthened with rock walls. The famous Hyder Ali and Tipu Sultan had occupied the fort before they succumbed to British.
Nagari Hills
Situated on the banks of River Kusasthali, Nagari is a favorite tourist spot. Nagari Hills has an elevation of about 855 meters. Its highest cliff strikes resemblance with human nose and hence it is famously called the ‘Nagari Nose’. Mountaineers love the place as it offers wide scope for challenging expeditions. Nagari has many famous temples and hence it is frequently visited by pilgrims.
Sri Venkateswara Temple
One of the most famous and ancient temples is Sri Venkateswara Temple. Dedicated to Lord Balaji, famously known as Venkateswara, the temple belongs to the 12th century. It is located at an height of 853 meter from sea level. The temple is a favorite spot for pilgrims. The architecture of the temple is a combination of the style of Chola, Pandya and the Pallava. The gold plated dome and the Papanasam waterfalls attract tourists.
Mogili
The coastal village Mogili is situated 25 km away from Chittoor. The place houses a famous temple called Mogileeswara temple. The temple is dedicated to Lord Shiva and its sculptural work is amazing. It is said that the pond in the temple does not dry even in peak summer. The first day of January sees a great number of pilgrims to this spot.