Tata Capital
The financial services arm of the Tata group - LAP and structured-lending specialist.
About Tata Capital
Tata Capital, established in 2007, is the financial services NBFC of the Tata group. Headquartered in Mumbai, it operates across retail and commercial lending - personal loans, home loans, LAP, vehicle finance, and corporate credit. Tata Capital is particularly strong in Loan Against Property (LAP) and longer-tenure secured lending, with structuring expertise on larger files. MahadevX is empanelled with Tata Capital as a DSA partner.
Loan Products & Rates from Tata Capital
Indicative starting ranges. Your personalised offer is finalised by the lender based on your profile.
Personal Loan
Rate 10.99% – 24.0% p.a.; loan up to Rs 35,00,000; tenure up to 60 months.
Business Loan
Rate 10.99% – 24.0% p.a.; loan up to Rs 35,00,000; tenure up to 60 months.
Home Loan
Rate 10.99% – 24.0% p.a.; loan up to Rs 35,00,000; tenure up to 60 months.
Loan Against Property
Rate 10.99% – 24.0% p.a.; loan up to Rs 35,00,000; tenure up to 60 months.
Where Tata Capital fits best
No two lenders are right for every profile. Here is where this one stands out.
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Loan Against Property (LAP) - large tickets and longer tenures
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Traditional MSMEs and family businesses with property collateral
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Premium-segment vehicle loans
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Customers wanting longer tenures (up to 30 years for home loans)
Why apply through MahadevX
Multiple bank comparison
One OTP-verified application; we negotiate your file with Tata Capital and 24+ other lenders and bring you the top offers. One CIBIL inquiry, not twenty-five.
Dedicated advisor
A real human runs your file from documentation pickup to lender coordination to disbursal follow-up. Reachable on call and WhatsApp.
Debt restructuring advisory
Unique to MahadevX: if you have existing high-EMI loans, our advisors can structure consolidation that lowers your monthly outgo before we add a new file.
Eligibility & Documents
Salaried Borrowers
- Age 21 to 60 years
- Minimum monthly income usually Rs 25,000 (Rs 50,000+ for prime products)
- Salaried with at least 2 years of work experience
- CIBIL score 700+ (750+ unlocks the best rates)
- Indian resident; pan-India serviceability
Self-Employed Borrowers
- Age 23 to 65 years
- Business vintage of 2-3 years (specific lenders consider 1 year)
- Audited financials and last 2 years ITR
- Latest 12 months GST returns and bank statements
- CIBIL score 700+ on personal and business credit
Documents Required
- PAN card
- Aadhaar card (for KYC and address)
- Latest 6 months bank statement
- Last 2 years ITR + audited financials (self-employed)
- Last 3 months salary slips (salaried)
- Property documents (for home loan / LAP)
- GST registration and last 4 quarters returns (business loan)
Is Tata Capital right for you?
Three taps for an honest read - indicative, in your browser only.
Tata Capital FAQs
Is Tata Capital good for LAP?
Yes - Tata Capital is one of the strongest lenders for LAP, particularly for larger tickets (Rs 50L+) and longer tenures up to 15 years.
What home loan tenures does Tata Capital offer?
Up to 30 years, subject to age and income. Longer tenures reduce EMI but increase total interest paid.
Does Tata Capital offer business loans?
Yes - secured and unsecured business loans for MSMEs and established businesses, with structuring options for larger files.
What is Tata Capital's processing fee?
Typically 1% to 2.75% depending on product. The exact fee appears on your sanction letter.
Is Tata Capital a bank or NBFC?
NBFC. This affects pricing (slightly higher than banks) but offers more underwriting flexibility on larger and structured files.
How does MahadevX help with Tata Capital?
We coordinate your application end-to-end, present your file in the right structure, and compare against bank offers so you choose the best terms.
Other lending partners
MahadevX Fintech is a loan distribution associate (DSA) of its partner banks and NBFCs, not a lender. Loan sanction, interest rates and final terms are at the sole discretion of the respective RBI-regulated lender and are subject to their credit policy. Figures shown on this page are indicative. Information here references publicly available RBI and lender guidelines and is for general awareness, not financial advice.
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