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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.
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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.