Tata Capital Business Loan

Here are a few factors

How To Apply
Product Rating

( 4.6 /5 )

Total - 368 ratings


Loan Amount

INR 5,00,000 to 75,00,000

Repayment Tenure

12-36 months


Starting at 19%


PAN India

Processing fee

Up to 2.50% of the loan amount + GST

Penal/Additional Interest

3% on Overdue Amount per month + GST

Tata Capital Business Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %18 %
Tenure (months)12
Emi (monthly)9,168
Total Interest10,016
Loan Amount + Interest110,016
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
56,1548,02264,17643,84656.15 %
Jun7,6681,5009,16892,3327.67 %
Jul7,7831,3859,16884,54915.45 %
Aug7,9001,2689,16876,64923.35 %
Sep8,0181,1509,16868,63131.37 %
Oct8,1391,0299,16860,49239.51 %
Nov8,2619079,16852,23147.77 %
Dec8,3857839,16843,84656.15 %
43,8481,99245,8400100.00 %
Jan8,5106589,16835,33664.66 %
Feb8,6385309,16826,69873.30 %
Mar8,7684009,16817,93082.07 %
Apr8,8992699,1689,03190.97 %
May9,0331359,1680100.00 %

About Tata Capital Business Loan

A business loan has become very important if you want to grow your business financially. You can use a business loan, an unsecured credit, to cover the urgent needs of your expanding company. With the help of business loans, you can bring in money for your company to extend your current activities, increase production, go online, purchase new equipment, and more. The quick infusion of cash through business finance enables you to make necessary purchases and payments on time ensuring smooth business functioning.

Whether it is a new store launch or you want to equip your workplace with the newest technology, Tata Capital's efficient business loans will help you pay for your expenses. Their diverse business loan options are ideally meant to meet your unique needs in light of the volatility that 2022 has left in several industries. With structured Business Loan EMI options and extended loan terms, you can effectively manage the cash flow of your business.

So, it's your time to secure Business Loans from Tata Capital for upto 75 lakh. Furthermore, because they don't make you wait in line or make you stressed with unnecessary paperwork, you can apply for online business loans that are processed quickly. Let’s have a more detailed discussion on the same.

Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Types of Business Loan provided by Tata Capital

Tata Capital has a Business Loan to cater all your needs. Listed below are the schemes that fall under the Business Loan provided by Tata Capital:

Business Loan for Women

Are you a self-reliant businesswoman and want to boost your working capital and scale business operations? Its your time to achieve great heights by availing of a business loan for Women by Tata Capital.


Your short and long-term business requirements need a steady cash flow if you are a small or medium-sized enterprise. Avail of an MSME/SME loan from Tata Capital and give you business the much needed push.

Machinery Loan

First-rate machine infrastructure and the latest technology is the need of every business. You can easily get a Machinery Loan from Tata Capital to equip your business with the latest machinery in the market.

Working Capital Loan

Every business, whether big or small, needs a healthy cash flow to maintain lean operations. Now you can easily avoid financial hassles by getting a working capital loan from Tata Capital.

Some Miscallenous Charges applicable:

Bounce Charges

₹ 2000 for every Cheque/ Payment Instrument Dishonour + GST

Mandate Rejection Service Charge

₹ 450 + GST

Charges will be applicable on your Business Loan EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account

CCOD Annual Maintenance Charges

First Year: 0.75% or 1000 whichever is higher per year will be deducted from the limit and shall be payable at the end of the 13th month

Subsequent Years: 0.50% or 1000 whichever is higher

per year will be deducted from the limit and shall be payable at the end of the 13th month

Document Processing Charges

₹ 1,999 + GST

Outstation Collection Charges

₹ 100 + GST per repayment instrument

Statement of Accounts

Foreclosure Charges

Soft Copy – Nil

Branch walk in - ₹ 250 + GST

4.5% on the future principal outstanding on existing loan+ Applicable taxes

No Foreclosure is allowed in first 9 months. 6.5% charges if foreclosed within 9 months

Foreclosure Charges for Top Up

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

Foreclosure charges shall be levied only if new rate is lower than existing rate

Foreclosure Charges in CCOD Cases

4.5% on the Dropped down limit amount + Applicable taxes

No Foreclosure is allowed in first 9 months. 6.5% charges if foreclosed within 9 months

Loan Cancellation Charges

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

Instrument Swap Charges

₹ 550 + GST

Duplicate Repayment Schedule

Soft copy - Nil

Branch walk in - ₹ 550 + GST

Duplicate NOC

₹ 550 + GST

Foreclosure Letter Charge

Soft copy – Nil

Branch walk in - ₹ 199 + GST

Post Dated Cheque Charges

₹ 850 + GST

Interest rates & charges

Business loan interest rates are the proportion of the loan amount a lender charges as interest to the borrower. Typically, the rate is stated as an annual percentage, and the interest rate for business loans is based on the principal sum.

Customer Profile


Processing charges

Self Employed Non Professional

16.50 Onwards

2.00% Onwards

Self Employed Doctors & Professionals

13.50 Onwards

1.50% Onwards

Documents and Eligibility Required for Tata Capital Business Loan

Business loan eligibility is based on basic terms like CIBIL score, age, business turnover, and more that candidates must fulfil to avail business finance. smoother:


  • Age should be between 25 to 65 years
  • CIBIL score must be 700 or more
  • Candidate should own a business at least profitable for three successive financial years
  • The business turnover must display an upward trend
  • Your balance sheet be audited by a registered Chartered Accountant (CA)

Documents Required

  • Last six months’ company bank statements
  • Last two years Income Tax Returns
  • Last two years balance sheet and Profit & Loss accounts
  • KYC documents of the company
  • KYC documents of the business owners
  • A report with detailed information about how the candidate will utilise the Business Loan
  • Photo identity proof (Aadhar card/ Driving license/ Voter ID/ Passport)
  • Bank statements
  • Business proof
Leave Your Question


Postdated checks, Electronic Clearance Service (ECS), and Direct Debit are all options for repayment of business loan provided by Tata Capital.

One should ideally have a CIBIL score of 700 or higher to be eligible for a business loan. Both self-employed professionals like doctors and engineers, as well as self-employed non-professionals like suppliers or manufacturers, can be said as independent contractors.

For business loans, the interest rate is fixed, and the Tata Capital firm decides this.

Yes, you can get a Business Loan without any collateral or security.

A 4.5% on the future principal outstanding on the existing loan+ Applicable taxes are charged. Also, no Foreclosure is allowed in the first 9 months. 6.5% charges if foreclosed within 9 months.