TATA Capital Personal Loan Interest rates in Jamshedpur
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 Jamshedpur
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 Jamshedpur 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."
TATA Capital Highlights
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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 Jamshedpur
"Jamshedpur is situated on the Chota Nagpur Plateau in the East Singhbhum District of Jharkhand. Previously, it was under the township of Sakchi, which was re-named Jamshedpur in 1919. As the town is home to a large steel industry, Jamshedpur is called the ‘Steel City’. Since it was founded by the late Jamshedji Nusserwanji Tata, it is also called Tata Nagar.Jamshedpur is a planned industrial city, surrounded by the Dalma Hills and the rivers Subarnarekha and Kharkai. It is also home to the Tata Football Academy (TFA), which was started in 1987 by the Tatas to train and find new talent in football. Jamshedpur is also known for the Tata Archery Academy.
Jamshedpur won the 2004 Global Compact City award by the United Nations for being one of the fastest developing cities in the world.At the end of 19th century, Jamsetji Tata met steelmakers in Pittsburgh to get the most advanced technology for his plant. It is said that he got the idea of building a steel plant when he heard Thomas Carlyle declaring that ""the nation which gains control of iron soon acquires the control of gold"" in a lecture in Manchester.[8] At the turn of the twentieth century, Jamshetji Tata asked geologist Charles Page Perin to help him find the site to build India's first steel plant. The search for a site rich in iron, coal, limestone and water began in April 1904 in today's Madhya Pradesh."
Other Cities Loan Offers
Places To Be Visited In Jamshedpur
Jayanti Sarovar
Jayanti Sarovar is situated inside Jubilee Park, which was inaugurated in 1956. The park is home to an impressive variety of roses. Children can have a great time here as there are swings, skating rides, see saws and windmills. The illuminated fountains add charm to the scenic park.
Bhuvaneswari Temple
Located at an altitude of 500 feet above sea level, Bhuvaneswari Temple attracts everyone regardless of the faith one believes in. Constructed on top of the hill closer to Tatanagar Railway Station, the views of the industrial city, villages around and the lush greenery are spectacular.
Tata Steel Zoological Park
Tata Steel Zoological Park situated inside the Jubilee Park is home to a wide range of flora and fauna. Bird watchers love this place as migratory birds are viewed here in winters. Safari rides take you through the woods so that you can view animals in their natural environment and not caged.
Dalma Hills
At an altitude of 3000 ft above sea level and just 13 km from Jamshedpur, Dalma Hills is one of the most frequented tourist destinations in the land. The views from the hills are spectacular. The dense forests, wildlife sanctuary and Lord Shiva temple attract tourists in great numbers. The serenity of the hills makes it a perfect place for unwinding. Adventure seekers are not disappointed as well. Since there is scope for trekking and mount climbing, the more adventurous minds do not allow themselves to be tied down by its stunning beauty.
Jubilee Park
Gifted by Tata Steel, Jubilee Park covers an area of 225 acres. It was inaugurated in the year 1956. With Vrindhavan Garden in Mysore as the inspiration behind its construction, Jubilee Park delights the visitors with its stunning landscape. The three colored fountains look stunning in the evening when illuminated. Well maintained trees and flowerbeds make this place exceedingly beautiful. Some of the sections in the park include Rose Garden, Smriti Udyan, Tata Steel Zoological Park and Foliage Park.
Dimna Lake
Dimna Lake is located in a picturesque setting at the foot of the famous Dalma Hills and near Dalma Wildlife Sanctuary. The lake was constructed by Tata Steel as a water reservoir to serve the needs of its industry as well as the city. The lake looks stunning with the shadows of the majestic hills and the dense trees around. An ideal place for a morning walk and you may be inspired by those who perform various yoga poses here under the shadows of the trees. Sunrise and sunset views are amazing. It is generally advised against visiting this place in the noon and in late evenings when the crowd is thin.