Tata Capital publishes a processing fee of up to 5% + GST on its personal loan. On an unsecured loan that fee is a larger share of what you receive than anything comparable on a secured product, so it belongs in the comparison alongside the rate rather than after it.
Fees
| Charge | As published |
|---|---|
| Processing fee | Up to 5% + GST |
as of 2026-09-17 · Lender rate pages, checked individually
Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction.
The fee against the rate
Tata Capital advertises this loan from 10.99% a year, and its published card runs to 33.00%. That advertised figure is a floor, not an offer — where you land inside a range that wide is set by your credit file and your income type. The Tata Capital personal loan page carries the full rate detail, and what affects your credit score explains what is being priced.
Run the fee and the rate together before you sign. A 5% fee on a five-year loan is worth roughly as much as a meaningful difference in the headline rate, and the EMI calculator is the quickest way to see which offer is actually cheaper.
How it compares
On the advertised rate, Tata Capital is joint 7th cheapest of the 8 providers we track for personal loans — 1.00% above HDFC Bank, Axis Bank, ICICI Bank and IDFC First Bank at 9.99%. The full table is in personal loan interest rates, and the lenders that come out ahead on all-in cost are ranked in best personal loans in India.
Terms change without notice. Confirm the current figures with Tata Capital before you act.
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