Tata · Business Loan
Tata Capital business loan, 2026.
Reviewed by Rushik Patel· Last reviewed:Tata business loan from 11% p.a., up to Rs 5 Cr over 6 years. These are indicative lender figures; current pricing, eligibility, and processing remain lender-controlled.
Interest Rate
11% – 15.5%
Max Amount
Rs 5 Cr
Max Tenure
6 Years
Processing Fee
2.00%
Tata Business Loan — Key Features
What makes Tata's business loan offering stand out.
Unsecured business loans
Working capital financing
Quick disbursement
Pan-India coverage
Tata Business Loan Rate Details
Complete breakdown of interest rate, fees, and terms.
| Interest Rate (p.a.) | 11% – 15.5% |
| Rate Type | Floating (linked to EBLR / RLLR) |
| Processing Fee | 2.00% (min Rs 10,000) |
| Maximum Loan Amount | Rs 5 Crore |
| Maximum Tenure | 6 Years |
| Prepayment Charges | 2-4% of outstanding (varies) |
| Late Payment Fee | 2% p.a. on overdue amount |
Tata Business Loan EMI Examples
Approximate monthly EMI at 11% p.a. interest rate.
| Loan Amount | Tenure | Monthly EMI |
|---|---|---|
| Rs 10,00,000 | 3 years | Rs 32,739 |
| Rs 25,00,000 | 5 years | Rs 54,356 |
| Rs 50,00,000 | 5 years | Rs 1,08,712 |
| Rs 1,00,00,000 | 7 years | Rs 1,71,224 |
EMI calculated at the listed 11% p.a. comparison rate on reducing balance. Actual EMI, fees, and tenure depend on the lender's current approval.
Use our EMI Calculator for custom amountsTata Business Loan Eligibility
Who can apply for Tata's business loan.
Salaried Applicants
- Age: 21 – 60 years
- Min Income: Rs 30,000/month
- Experience: 2 years
- CIBIL Score: 700+
Self-Employed Applicants
- Age: 21 – 65 years
- Min Income: Rs 5 Lakhs/year turnover
- Business Vintage: 3 years
- CIBIL Score: 680+
Documents for Tata Business Loan
Documents you need to apply for Tata's business loan.
Salaried
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years Form 16 / ITR
- 4Last 6 months bank statements
- 5Business plan / purpose of loan letter
- 6Passport-size photographs
Self-Employed
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited financials
- 4Last 12 months bank statements
- 5GST returns (last 12 months)
- 6Business registration documents
- 7KYC of all directors / partners
Tata vs Other Banks — Business Loan Rate Comparison
How does Tata's rate compare with competitors?
| Bank | Rate (p.a.) | Max Amount |
|---|---|---|
| Tata (This bank) | 11% – 15.5% | Rs 5 Cr |
| SBI | 10.25% – 14.5% | Rs 5 Cr |
| PNB | 10.35% – 14.75% | Rs 5 Cr |
| HDFC | 10.5% – 15% | Rs 5 Cr |
| BoB | 10.5% – 14.75% | Rs 5 Cr |
| Canara | 10.5% – 14.5% | Rs 5 Cr |
Other Tata Loan Products
Explore more loan products from Tata Capital.
Tata Business Loan — Frequently Asked Questions
Common questions about Tata's business loan product.
What is the minimum turnover required for a business loan?
Most banks require a minimum annual turnover of Rs 5-10 Lakhs for unsecured business loans. For larger amounts (above Rs 50 Lakhs), turnover of Rs 50 Lakhs to Rs 1 Crore is typically needed. MSME-registered businesses may get relaxed criteria.
Can I get a business loan without collateral?
Yes. Unsecured business loans up to Rs 50 Lakhs may be available from banks and NBFCs. Under the CGTMSE scheme, eligible loans may be sanctioned without collateral with a government guarantee. Review available lender information and confirm scheme eligibility and terms with the lender.
How fast can I get a business loan sanctioned?
Pre-approved offers from an existing bank relationship may be processed faster, while fresh business loans often take several working days. Timing varies with documentation, underwriting, and lender workflow; the lender controls sanction and disbursal timelines.
What types of business loans are available?
Term loans, working capital loans, overdraft/cash credit, equipment finance, MUDRA loans (up to Rs 10 Lakhs), MSME loans, invoice discounting, and trade finance are common options. Compare the product's purpose, eligibility, pricing, and repayment terms with the lender.
Are business loan interest payments tax deductible?
Yes. Interest paid on a business loan is fully deductible as a business expense under Section 37(1) of the Income Tax Act. This effectively reduces your tax liability and the real cost of borrowing.
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