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TATA Capital Business Loan

Are you looking for a business loan from a friendly, customer centric, well-run, finance company that will understand your business needs and tailor their offerings accordingly? Are you facing a liquidity crunch in your business because of delayed payments, delayed release of work orders or letter of intents from clients? Are you worried about paying regular salaries to the people who are working to run your business for you? TATA Capital understands all this and more.

Small Business Loans-SME/MSMEs Loans

To date, SME financing is only provided to businesses that have a solid financial backing in terms of either assets or goodwill. However, lately, a plethora of start-ups have emerged on the horizon to cater to the needs of people who do business on a small scale. These start-ups are leveraging technology and alternate data from the market to underwrite such loans. They are helping lesser-known businesses to expand or filling up their liquidity gaps by bridge loans. Lending through the online route is making it easier for SMEs/MSMEs and small entrepreneurs to receive loans. While banks are catering to established and well-known businesses, these start-ups are helping small entrepreneurs who require only limited amounts of say INR 500,000 to secure finance.
Therefore, if you are planning to start a small business or you are finding it difficult to manage an already existing one, all due to financial burdens, then Tata Capital can easily take your entire financial burden, leaving you free to manage your business. Such finance will provide you with money to tide over your short-term financial worries. These can assist your business to wade through any economy. 

Features and Benefits of Tata Capital Business Loan

Tata Capital Business Loans from Finance Buddha offer the following features and benefits:

  • Multiple Loan Programs
  • Transparent Interest Rates
  • Flexi EMIs
  • Hassle Free Loan Disbursal

With Tata Capital Business Loans, you are offered multiple loan programs that help your business sustain itself in the competitive world. The loan programs are scrutinized and vetoed by experts under three heads namely turnover, cash profit and banking. Even qualified medical doctors can avail of these loans. 
Business Loan Interest Rates at Tata Capital are decided based on the credentials of the borrower, cost of funds, tenure of the loan and the dynamism in the market. The Transparent Interest Rates offered by Tata Capital are as per market standards. 
Flexi EMIs option offers you an excellent opportunity to customize your loan repayment as per your fund availability. You will get to choose from among the Step Up Flexi EMI plan, the Step Down Flexi EMI plan and the Bullet Flexi EMI plan. 
What is more, you will enjoy hassle free loan disbursal once your documents are verified and your sanction letter issued. Normally, Tata Capital approves commercial loans within three business days after a duly filled up application and the necessary documents are submitted. 

Why Should You Choose TATA Capital Business Loan?

  • Backing of Tata Sons.
  • Registered with RBI as an NBFC.
  • Tata name associated with trust and integrity.
  • Tata name well-known for transparent business practices.
  • Tata Capital Financial Services Limited does what is right for the customer.
  • Tata Capital provides commercial finance, consumer loans, wealth management solutions and infrastructure finance to industry.
  • Tata Capital Financial Services Limited has a network of 100 well equipped branches citywide to service customers.

How to Apply Online for TATA Capital Business Loan?

Applying online for a business loan from Tata Capital through Finance Buddha is not very difficult. We are not just a loan comparison site. We also do the last mile work by getting you the loan cheque. We have got disbursed approximately INR 25000 million worth of loans to date in fourteen cities to 80,000 plus customers. We are connected to 35 plus banks and NBFCs. Our online loan application procedure goes thus:
Ø First the customer compares loan offers from all major banks and NBFCs online.
Ø Next he chooses a suitable option using our smart search feature and applies online.
Ø Advisory services from the staff at Finance Buddha get in touch with the customer. 
Ø Finance Buddha also provides documentary assistance and help in application of the loan.
Ø It helps in signing of the loan agreement and coordinating funds transfer.
It is to be noted that this procedure is totally transparent and quick. 

Eligibility Criteria for Tata Capital Business Loan

Money is the grist on which the mill of your business runs. In other words, money is the oil on which the machine of your business works. Any business, whether big or small, requires finance. Many small and medium business owners rely on Tata Capital for their business loan requirements. This is because the company offers business loans at competitive interest rates and with quick approvals. As already indicated earlier, the business loan interest and amount are based on factors like business turnover, business profit and credit history. There are also some other criteria to be eligible for a business loan from Tata Capital.
The minimum age to apply for a business loan is 25 years. An entrepreneur who is a maximum of 65 years of age can apply for this loan. Additionally, the business should be making profit continuously for the last three years. Apart from all this, the turnover of the business should show an increasing trend over a period, with a minimum turnover of INR 4 millions for proprietorship, partnership firms, private limited companies, limited companies (closely held), societies and trusts. In addition, these companies should have a minimum ITR of INR 300,000 value. Tata Capital only accepts audited financial results of businesses. 

Documents Required for Tata Capital Business Loan

The documents required by Tata Capital officials for your business loan approval are the following: 

  • A passport photo of each applicant and co-applicant
  • Income tax returns, audited balance sheet and profit and loss statement for the last two years along with the bank statements of the current account for the last six months. Additionally, we also require business proof and the latest year provisional and sundry creditors and debtors list.
  • Certified copies of bank account statements for the last six months
  • KYC documents for the co-applicant
  • Partnership deed/MOA and AOA/License issued under shops and establishments act for business proof

This is not an exhaustive list of the documents required for obtaining a business loan from Tata Capital. Officials at the company may ask you for more documents during credit appraisal. 

TATA Capital Business Loan Interest Rates/Fees and Charges

When you are doing business, every day is critical and every day involves taking important decisions, whether it is about your business or your personal life. At such times, you also have to make critical decisions about arranging finance for your business. Money might be required to expand your business, conduct research and development activities, purchase new machinery, open new branches, etc. Only a business loan can help you tide over such events. Business Loans are long-term arrangements where the borrower receives a lump sum amount upfront, against submission of certain documents. 
This lump sum amount is then to be repaid in EMIs also called as equated monthly installments. You should always do some ground research before taking a business loan.



PDC Charges

INR 850

Bouncing Charges (per event)

INR 450

Cancellation Charges

2% of loan amount or INR 5750 whichever higher

Duplicate NOC

INR 550

Swapping Charges (for payment mandate)

INR 600

Foreclosure Charges

4.5% of the principal outstanding at the time of foreclosure along with applicable taxes, if any

Foreclosure Charges for Top Ups

2% on future principal outstanding on existing loan +Service Tax ("ST')

Duplicate Repayment Schedule

INR 550

Legal action under Section 138 of Negotiable Instruments Act, 1881, and/or Section 25 of Payments and Settlements Systems Act, 2007

INR 3,400

Initiation of Arbitration proceedings

INR 4,000

Obtaining of Receiver Order from a District Court

INR 4,000

Obtaining of Receiver Order from the High Court

INR 13,500

Issue of Legal Notice (per notice)

INR 125 to INR 300

Execution of Award

INR 5,600

Frequently Asked Questions

How is my loan eligibility calculated?

Business Loan eligibility depends on the following factors: Credit score of the loan applicant/co-applicant The last two years financials of the borrowing entity Information about the Debt Service Coverage Ratio: This information tells the lender whether the borrower will be able to service the EMI for the current loan.

Is pre-closure allowed in business loans?

Some banks have a lock-in-period of six months to one year for the business loan. While some others allow you to pre-close the loan even after the first EMI has been paid. Some banks may have a rule that a borrower can use his own funds to pre-close the loan and not use the balance transfer facility of another bank. Additionally, some banks allow pre-closure at no cost while some others charge an upfront fee of 2-5% of the pre-closed amount. Clarifications on this are to be sought from our business loan advisor during the processing of your application.

Is part payment allowed in a business loan?

Some banks may allow part payment while some others may have restrictions on how many times in a year you can part pay and also the minimum and maximum amounts you can part pay. Again, a clarification is to be sought from our loan advisor during the time of loan processing.

What is the minimum and maximum loan limit offered for a business loan?

In normal situations, the minimum loan amount offered is INR 100,000. This may go up to a maximum of INR 40,00,000. Higher loan amounts may be considered after an in-depth discussion between the borrower and the bank willing to lend.

How long does it take to disburse the business loan?

Finance Buddha will work with the concerned bank and get you the loan within 5-7 working days of your submitting the completed documents.

What are the documents required while applying for a business loan?

Borrower’s PAN card, address proof, last two years financial statements including profit and loss account and balance sheet, last six months bank statements, VAT/Service tax returns, partnership deed/MOA, existing loans repayment track record, partner/director’s PAN card, KYC, own house proof, ITRs, etc. Additional documents may be required on a case to case basis.

What happens if there is an ECS bounce or I miss an EMI payment?

The bank will levy certain ECS bounce charges or penalties. Additionally, that will also get reported in your credit report. Depending upon the severity and the regularity of the miss, it may have a serious impact on your future credit possibilities like in obtaining a home loan, car loan, etc. Additionally, banks may also take legal action against the borrower.

What is the rate of interest and processing fee on business loans?

The rate of interest varies from 16% to 23%. The processing fee of up to 2.5% of the loan amount is levied. Additionally, some banks may also insist on insurance cover.

What is a business loan?

A business loan is a loan given by banks or NBFCs for a period of one to three years. This loan is given without any collateral, hypothecation of assets or guarantor. Proprietorship companies, partnership businesses or private limited and public limited companies are eligible for this kind of loans. This capital may be used for working capital, meeting short-term cash-flow requirements, purchasing plant and machinery, etc.


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