NBFC
Tata Capital
A diversified NBFC from the Tata group offering retail, SME and equipment finance.
Best for: SMEs needing equipment and working capital finance.
Apply with pre-screening
We check your profile against Tata Capital's policy and others on the panel before any application.
Typical strengths
- Broad product range
- Flexible business and equipment finance
- Home loans through its housing finance arm
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by Tata Capital under its credit policy.
Products
What we arrange with Tata Capital
- Personal Loan
- Home Loan
- Business Loan
- Loan Against Property
- Car Loan
- Used Car Loan
- Education Loan
- Machinery and Equipment Loan
- Working Capital - OD / CC
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Our read
Where Tata Capital fits
Tata Capital is the broadest NBFC on the panel, which makes it useful when a borrower needs more than one kind of facility at once. A growing firm buying equipment while also needing working capital can often be handled as a single relationship rather than assembled from three lenders.
Equipment and machinery finance is the part we use most. Assessment gives proper weight to the asset being bought and to the contract behind it, which suits a manufacturer or contractor whose balance sheet alone would understate what they can service.
Worth knowing
- Breadth is not the same as being cheapest in any single category; compare the specific product rather than the group.
- Equipment finance ties the facility to the asset, so the funding is not freely usable for other purposes.
Our assessment, not a statement of Tata Capital’s policy. Terms are set by the lender and can change.
Questions
Tata Capital: common questions
When is an equipment loan better than a business loan?
When the asset itself carries part of the risk. That usually means a larger amount and a longer tenure than an unsecured business loan would give you, at a lower rate.
Can one lender cover machinery and working capital?
Here, often yes, which saves you assembling a facility from several lenders. Whether it is the cheapest combination is what we check for you.
Is a Tata group NBFC cheaper than a bank?
Usually not on rate. The reason to use it is flexibility on assessment and the ability to structure around an asset, which a bank may not offer.
Compare
Other nbfcs on the panel
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Is Tata Capital the right lender for you?
Share your requirement and we will compare it against the whole panel, at no cost and with no bureau enquiry.