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Part of the Tata Group, TATA Capital is one of India’s most trusted financial brands known for transparent lending with over a decade of expertise
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🚗 Types of TATA Capital Car Loans with Features & Interest Rates
Compare new, used & EV car loan options with flexible EMIs, quick approval and pocket-friendly interest rates.
|
Loan Type |
Funding & Interest Rate |
Ideal For |
Key Features |
|
New Car Loan |
Up to 100% on-road price; interest from 9.49% p.a. |
First-time buyers or those upgrading to a new car |
Instant approval, flexible tenure up to 7 years, zero hidden fees |
|
Used/Pre-Owned Car Loan |
Up to 90% of car valuation; interest from 10.25% p.a. |
Buyers looking for affordable used cars |
Quick verification, loan up to ₹25 lakh, minimal paperwork |
|
Car Loan Refinance |
Based on car value; interest from 9.50% p.a. |
Borrowers with existing loans wanting lower EMIs |
Refinance existing loan, lower interest, quick top-up |
|
EV Car Loan (Electric Vehicles) |
Up to 100% on-road price; interest from 9.49% p.a. |
Buyers of electric cars (Tata Nexon EV, MG ZS EV, etc.) |
Low EMI, extended tenure up to 8 years, green loan benefit |
|
Car Loan Balance Transfer |
Up to 95% of outstanding balance; interest from 9.5% p.a. |
Borrowers seeking better rates |
Lower EMI, zero foreclosure penalty, save big on interest |
Car Types Ideal For
✅ Hatchbacks & Compact Cars – for city driving and easy EMIs
✅ Sedans – for families and professionals
✅ SUVs – for adventure seekers & business owners
✅ EVs – for eco-conscious drivers with long-term savings
🛡️ Insurance Features with TATA Capital Car Loan
Protect your loan and peace of mind with Tata Capital’s hassle-free car loan insurance coverage.
- Comprehensive Car Insurance covering accidental, fire & theft damages
- Zero Depreciation Cover for maximum claim value
- Personal Accident Cover for driver & co-passengers
- Third-Party Liability Insurance as per IRDAI norms
- Add-on Benefits: Engine protection, roadside assistance, and return-to-invoice
(PoketCare helps you to buy the best car insurance plans instantly while applying for your loan.)
Ideal Borrowers & Eligibility for Tata Capital Car Loan
Perfect for salaried, self-employed and first-time buyers who meet simple income, age and credit score criteria.
|
Criteria |
Details |
|
Age |
21–65 years |
|
Employment Type |
Salaried / Self-employed / Professionals |
|
Minimum Monthly Income |
₹20,000 (Salaried) / ₹25,000 (Self-employed) |
|
Work Experience |
1 year for salaried / 2 years in business |
|
Credit Score |
700+ preferred |
|
Nationality |
Indian Resident |
Co-Applicant Option
Add a spouse, parent, or sibling as co-applicant to increase eligibility and loan amount. PoketCare helps you calculate joint eligibility instantly.
📄 What Documents Do You Need for a Tata Capital Car Loan?
Just keep your basic KYC, income proofs and vehicle details handy—approval becomes faster and stress-free.
|
Category |
Documents |
|
Identity Proof |
Aadhaar Card & PAN Card/ Passport/ Voter ID |
|
Address Proof |
Electricity Bill, Rent Agreement, Passport |
|
Income Proof |
Salary Slips (3 months), ITR, Form 16, Bank Statement |
|
Car Documents |
RC Copy / Quotation / Insurance Copy |
|
Others |
Passport-size photos, co-applicant KYC (if applicable) |
All Charges You Should Know Before Taking a Tata Capital Car Loan
Get a simple view of processing fees, penalties and extra costs to make a clear, confident choice.
|
Charge Type |
Details |
|
Processing Fee |
0.5% – 1.5% of loan amount |
|
Prepayment/Foreclosure |
4% after 6 EMIs |
|
Late Payment Fee |
2% per month |
|
RTO Registration Charges |
Included in total funding |
|
Insurance Premium |
As per chosen plan |
|
Documentation & Post Disbursement |
Free support via PoketCare’s AI assistance |
Your Smartest Way to Get a Tata Capital Car Loan
PoketCare finds your best-fit offer, helps you upload documents easily and speeds up your loan journey.
✅ Instant rate comparison for best offers
✅ AI-based eligibility check within seconds
✅ 100% digital loan process — paperless & transparent
✅ Lifetime free support for documentation & insurance
✅ No brokers, no middlemen, no hidden costs
✅ 24x7 loan tracking and expert assistance
✨ PoketCare ensures every user gets the most profitable car loan in India — effortlessly.
🔗 Useful Links Helps you to get better under stating about TATA Capital Car Loan
- Learn How PoketCare Works
- Compare Car Loans in India
- Check CIBIL & Credit Info
- PoketCare Loan Guides & Tips
✅ Conclusion
With TATA Capital Car Loan on PoketCare, you’re not just buying a car — you’re buying peace of mind.
Enjoy low-interest rates, 100% funding, zero hidden charges, and instant approval — all under one transparent digital roof.
Whether it’s a new car, used car, EV, or balance transfer, PoketCare makes your journey smooth from click to key handover.