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Tata Capital Review
Tata Capital Ltd
Tata group NBFC with end-to-end digital personal loans at 11.5–23% APR.
Red flags
- •Processing fee up to 2.75% + GST
- •Prepayment charge applies inside lock-in
Green flags
- •Tata Sons backing — Upper Layer NBFC under RBI scale-based regulation
- •100% digital KFS + agreement
- •Prepayment allowed after 6 EMIs
- •No contacts/photos permission
Permissions demanded
Data practices
Data handled per RBI Digital Lending Guidelines 2022; PAN/Aadhaar tokenised via DigiLocker / NSDL.
Recovery practices
In-house recovery; third-party agents identified with ID and recorded calls. Grievance redressal at https://www.tatacapital.com/contact-us/grievance-redressal.html
Sources & references
Grievance & support
- Grievance redressalhttps://www.tatacapital.com/contact-us/customer-grievances.html
- Support / helpdeskcustomercare@tatacapital.com
Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.
Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.
Next step with Tata Capital
Headline rates hide fees. Run your actual offer through our free tools before you accept anything.
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Frequently asked questions about Tata Capital
Is Tata Capital RBI-registered?
Tata Capital is operated by Tata Capital Ltd. Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.
What is the real APR on Tata Capital?
Tata Capital charges an APR between 23% and 23% per annum with a processing fee of up to 2.75%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.
Is Tata Capital safe to use?
Tata group NBFC with end-to-end digital personal loans at 11.5–23% APR. Permissions demanded: Camera (KYC), SMS (OTP), Location (optional). Recovery practices: In-house recovery; third-party agents identified with ID and recorded calls. Grievance redressal at https://www.tatacapital.com/contact-us/grievance-redressal.html.
What loan amount and tenure does Tata Capital offer?
Ticket size ranges from ₹75,000 to ₹35,00,000, with tenure between 12 and 73 months.
How do I close my Tata Capital loan early?
Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If Tata Capital refuses or harasses you, file a complaint on the RBI Sachet portal.