✓Minimal Documentation ✓Flexible Repayment ✓Collateral Free Loan | Apply for Business Loan Now! Apply Now

Tata Capital Business Loan is one of the popular loans for aspiring entrepreneurs. You can get the loan at competitive interest rates. Loan amount as high as Rs. 75 Lakhs and flexible repayment tenure of u can help you expand your business horizons. Read on to know more about Tata Capital Business Loan. 

Tata Capital Business Loan Interest Rate & Charges

Here’s a table showing the interest rates and processing fees associated with Tata Capital Business Loans: 

Interest Rates

Loan Amount

Repayment Tenure

Processing Fee 

19% Onwards

₹40,000 to ₹75 Lakhs 

12 Months and 60 Months 

Up to 2.5% of the total loan amount 

Here’s a table showing the various other charges associated with Tata Capital Business Loans:

Bounce Charges

₹2000 for every cheque or payment instrument dishonour + GST

CCOD Annual Maintenance Charges

During the first year: 0.75% of the total loan amount or ₹1000, whichever is higher will be deducted from the limit. 

Subsequent Years: 0.50% or ₹1000,  whichever is higher will be deducted from the limit. 

Mandate Rejection Service Charge

₹450 + GST

Document Processing Charges

Statement of Accounts

₹1,999 + GST

Branch walk-in - ₹250 + GST

Soft Copy – Nil

Outstation Collection Charges

₹100 + GST per repayment instrument

Foreclosure Charges

4.5% on the outstanding principal + any applicable taxes. 

Foreclosure will not be allowed during the first 9 months. 

Foreclosure Charges for Top Up

2.25% on the future principal outstanding on existing loan + GST

Instrument Swap Charges

₹550 + GST

Duplicate NOC

₹550 + GST

Loan Cancellation Charges

2% of loan amount or ₹5750, whichever is higher + GST

Post Dated Cheque Charges

₹850 + GST

Disclaimer: These fees and charges are subject to change at the lender’s discretion. 

Tata Capital Business Loan EMI Calculator

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest Amount
Year Principal Interest Balance

Tata Capital Business Loan Documents

Here are all the documents that you would need to get started with your Tata Capital Business Loan: 

  • Photo Identity Proof 

Business loan application along with passport-sized photos and government issued identity proofs such as Aadhaar Card, driving licence or voter ID. 

  • Business Proof

Proof of ownership must be furnished, this can include Establishment Certificate, Trade License or Sales Tax Certificate and a copy of the Partnership Deed or Sole Proprietorship declaration. 

  • Income Proof

ITRs and calculation for the past two years, balance sheet (audited by a registered CA), and Profit or Loss statement for the last two years.

  • Bank Statements

A copy of the business’ official bank statements for the last six months

  • KYC Documents

Copies of your Registration of Incorporation, PAN Card, and documents related to Articles and Memorandum of Association.

Tata Capital Business Loan Eligibility

Here’s the eligibility criteria to avail the Tata Capital Business Loan: 

  • You must be between the ages of 25 and 65

  • You business must’ve been successful for the past three financial years 

  • The turnover trends must show an upward growth

  • The balance sheet must’ve been audited by a registered CA

Features and Benefits of Tata Capital Business Loan

Here are some of the features and benefits of the Tata Capital Business Loans: 

  • Collateral-free Business Loans 

Tata Capital Business Loans are unsecured loans which means that they do not require collateral, simplifying the entire loan process. 

  • Higher Loan Amounts Offered 

You can get a business loan of up to ₹75 Lakhs without furnishing any collateral. 

  • Simple Repayments 

You can repay your loan through Electronic Clearing Service (ECS) or auto debit facility. 

  • Minimal Documentation 

The application process is simple and only requires a few important documents such as identity proof, financial statements and ownership documents. 

Types of Business Loan Schemes offered by Tata Capital

Here are the different types of loans offered by Tata Capital: 

  • Business Loan for Women

This loan is offered by Tata Capital to empower women by helping them get access to funds to grow their business. 

  • MSME/SME Loans

The MSME and SME loans are offered by Tata Capital to help MSME and SME entrepreneurs take their business to new heights. 

  • Machinery Loan

The machinery loan is especially extended towards entrepreneurs with manufacturing units to help them grow their business with new machinery. 

  • Working Capital Loan

Businesses require working capital to function, business owners can take advantage of the working capital loan from Tata Capital to help them fund their working capital needs. 

Types of Repayment Options Offered by Tata Capital

Tata Capital offers two types of repayment options to choose from, here they are: 

  • Fixed EMI

Under this scheme, your loan EMI will be fixed throughout your tenure. A Fixed EMI scheme may be ideal for you if you have a consistent source of income that is not expected to change drastically through the years. 

  • Structured EMI

Under the Structured EMI scheme, you can customise your EMI repayments as per your repayment capabilities. This may be ideal for you if your income is expected to increase over the repayment period. 

How to Apply for Tata Capital Business Loan

Applying for the Tata Capital Business Loan is simple and straightforward, here’s how you can get started: 

  • Start by visiting the Tata Capital Business Loan website

  • Select your preferred loan amount and tenure 

  • Submit your duly filled application

  • After the verification process, your loan amount will be credited to your account 

Compare Tata Capital Business Loans with our Partners

Here’s a table showing business loan offerings from our partners to help you make an informed decision: 

Our Partners

Interest Rate Range

Max Loan Amount/ Tenure

Avail Loan

Ambit Finvest 

20% onwards

36 months

Apply Now

AYE Finance

28% onwards

36 months

Apply Now


12% onwards

36 months

Apply Now

IIFL Finance

18% onwards

60 months

Apply Now


20% onwards

48 months

Apply Now


16% onwards

36 months

Apply Now


15% onwards

9 months 

Apply Now

Lendingkart Finance Limited

15% onwards

36 months

Apply Now

Protium Finance Limited

1.25% p.m. onwards

72 months

Apply Now

Disclaimer: The interest rates and terms are subject to change at the lending partner’s discretion. 

Factors That Determine Your Business Loan Interest Rate

Here are some factors that determine your business loan interest rates: 

  • CIBIL Score 

CIBIL Score is a strong indicator of a borrower’s repayment patterns and financial discipline. A strong CIBIL score indicates that the borrower has consistently repaid their debts on time and has little to no history of defaulting. This makes the lender view the borrower as a low risk borrower and are likely to offer lower interest rates. 

  • Company Tenure

Another crucial factor is the business’ tenure and repayment history. If the business has been around for a while and has no history of repayment defaulting, this would indicate that they are likely to pay their dues on time, which would subsequently increase the lender’s trust in the business and bring down the interest rates. 

  • Annual Turnover 

Historically, if your business has a high turnover rate, then the lender is likely to offer you lower interest rates as you pose very little risk of defaulting. 

Tata Capital Customer Care

Here’s how you can contact Tata Capital’s customer care: 

  • Phone Number: 1860 267 6060

  • Email ID: contactus@tatacapital.com


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs for Tata Capital Business Loan

You can apply for a Tata Capital Business Loan through the Tata Capital website. 

Your EMI would depend on your Tata Capital Business Loan interest rate, loan amount and tenure.

Tata Capital Business Loan's interest rate is fixed, this means that there will be no change in your interest rate through your repayment tenure.

You can choose between the fixed EMI or structured EMI options depending on your needs. 

Generally, a CIBIL score of 650 and above would be considered ideal to get a business loan. 

You can apply for the Tata Capital Business Loan on the Tata Capital website and repay using the auto-debit option.

Repaying your business loan will have a direct impact on your personal credit score.

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