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Tata Capital Personal Loan Interest Rate Today

What Tata Capital advertises on a personal loan against the most it can charge, and how the gap compares with the lenders we track.

Credsir Editorial Team · MBA · 14 years in fintech
Updated 17 Sep 2026

Tata Capital advertises its personal loan from 10.99% a year and can charge up to 33.00% for the same product. The advertised figure is a starting rate, not an offer, and the gap here is much wider than on a home loan.

Advertised rate Maximum rate Terms Processing fee
10.99% 33.00% Up to 6 years Up to 5% + GST

Updated 17 Sep 2026 · Lender rate pages, checked individually

The range, and where you land in it

Tata Capital advertises from 10.99% and can charge up to 33.00% for this product — a range of 22.01 percentage points. Where you land is set by your credit score, your income type and your existing obligations, not by bargaining. Nothing secures a personal loan, so the rate is the only thing covering the lender’s risk, and that is why the band is this wide. A borrower priced near the top pays more than twice the advertised rate.

The processing fee runs to 5% of the loan, with 18% GST on top, and it is deducted before the money reaches you. Put the top and the bottom of the band through the EMI calculator over the six-year maximum term before you treat 10.99% as a planning number. If your score is what is holding the rate up, personal loans for a low CIBIL score covers what a thin file actually costs.

How it compares

Tata Capital is the joint 7th cheapest of the 8 providers we track for a personal loan, 1.00 percentage point above HDFC Bank at 9.99% — the joint lowest advertised rate in our set, shown in full on HDFC Bank’s personal loan rate page. The standing table for every lender is on personal loan interest rates, and the ranked view is on best personal loans.

Terms change without notice. Confirm the current figures with Tata Capital before you act.

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