Compare Tata Capital vs HDB Financial Personal Loan

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Bank	SBI HDFC Bank ICICI Bank Bajaj Finserv IDFC First Bank Axis Bank Tata Capital Fullerton India IndusInd Bank Kotak Bank RBL Bank IIFL IDBI Bank Karur Vysya Bank Muthoot Yes Bank Standard Chartered Bank Union Bank of India Canara Bank Bank of Maharashtra Andhra Bank Allahabad Bank Federal Bank Syndicate Bank Bank of Baroda PNB Indian Overseas Bank Indian Bank Corporation Bank Cashe Axis Finance	SBI HDFC Bank ICICI Bank Bajaj Finserv IDFC First Bank Axis Bank Fullerton India IndusInd Bank Kotak Bank RBL Bank IIFL HDB Financial Corporation Bank Karur Vysya Bank Muthoot Yes Bank Union Bank of India Canara Bank Bank of Maharashtra Andhra Bank Allahabad Bank Federal Bank Standard Chartered Bank Syndicate Bank PNB Indian Overseas Bank Indian Bank IDBI Bank Bank of Baroda Cashe Axis Finance
Interest Rate	Interest Rate 10.49% - 17.99%	30.00% - 36.00%
Processing Fees	Processing Fees Upto 2.50% of Loan Amount	Upto 3% of Loan Amount
Loan Amount	Loan Amount ₹ 75,000 to ₹ 25 Lakh	₹ 1 Lakh to ₹ 20 Lakh
Loan Tenure	Loan Tenure 12 to 72 Months	12 to 60 Months
Lowest EMI Per Lakh	Lowest EMI Per Lakh ₹ 1,877	₹ 3,235
Part Payment Charges	Part Payment Charges Allowed after 6 months at Nil prepayment charges	Allowed after 6 months at Nil Partpayment charges
Foreclosure Charges	Foreclosure Charges Allowed after 6 months at Rs. 1,000 to Rs. 5,000	Allowed after 6 months at Nil foreclosure charges
Eligible Age	Eligible Age 21 to 58 Years	22 to 60 Years
Minimum Income	Minimum Income ₹ 20,000	₹ 20,000
Current Work Experience	Current Work Experience 3 Months	6 Months
Total Work Experience	Total Work Experience 24 Months	6 Months
Customer Ratings (Read Reviews)	Customer Ratings (Read Reviews) 4.6/5.0	4.3/5.0

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Compare Personal Loan EMI of Tata Capital and HDB Financial

Loan Amount	Tata Capital	HDB Financial
₹ 1 Lakh	₹ 1,877	₹ 3,235
₹ 5 Lakh	₹ 9,387	₹ 16,177
₹ 10 Lakh	₹ 18,774	₹ 32,353
₹ 12 Lakh	₹ 22,529	₹ 38,824

Which is a better bank for Personal Loan – Tata Capital or HDB Financial?

Tata Capital offers lower Personal Loan EMI at Rs. 1877 for 72 Months compared to HDB Financial with a minimum EMI of Rs. 3235 for 60 Months. In addition, average customer ratings for Tata Capital is currently at 4.6/5.0, making it a good choice for taking a Personal Loan.

How does Tata Capital Personal Loan compare with HDB Financial Personal Loan?

It is important to make a detailed comparison of Tata Capital and HDB Financial on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

Lowest Interest rate of Tata Capital Loan is 10.49%, which is lower than the lowest interest rate of HDB Financial at 30.00%. Hence, Tata Capital is offering a cheaper loan option.
Compared to other Personal Loan charges such as processing fees, Tata Capital charges a processing fee of Upto 2.50% of Loan Amount, while HDB Financial charges a processing fee of Upto Upto 3% of Loan Amount.
Tata Capital offers Personal Loan upto an amount of ₹ 25 Lakh, while HDB Financial offers Loan upto an amount of ₹ 20 Lakh. Therefore, Tata Capital can be a better option if you are looking for a high value amount.
One feature that makes Personal Loan a better option is the foreclosure facility. HDB Financial and Tata Capital gives the option to close the loan after 6 months at Nil foreclosure charges and Rs. 1,000 to Rs. 5,000. This makes HDB Financial a better option for Personal Loan.
HDB Financial and Tata Capital allow part payment on Personal Loan after 6 months at Nil charges. HDB Financial applies a charge of Nil charges and Tata Capital charges Nil charges on Personal Loan.
Tata Capital has an average customer rating of 4.6. In contrast, HDB Financial has an average customer rating of 4.3, based on which it is clear that Tata Capital has a high customer service focus, an easy process and a quick turnaround.

Which bank offers a lower interest rate on Personal Loan – Tata Capital or HDB Financial?

As per the current rates, Tata Capital offers a lower interest rate of 10.49% on loans compared to HDB Financial, which offers a Personal Loan at 30.00%.

Know more about Tata Capital Personal Loan

Know more about HDB Financial Personal Loan

Compare Tata Capital Personal Loan With Other Banks

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Personal Loan News - Aug 2022

2022-08-09 : HDFC hikes MCRL by upto 10 bps on all loan tenures.
With the effect of the 50bps hike by RBI in key policy rates, private sector lender HDFC increased its marginal cost of funds-based lending rates on loans across all tenures by upto 10 basis points. The one-year MCLR will now be 8.10% compared to 8.00% previously.
2022-08-06 : SBI to offer personal loans of upto INR 35 lakhs via YONO.
With the help of Real-Time Xpress Credit (RTXC), SBI will now offer personal loans of upto INR 35 lakhs on YONO app. Customers can now apply for a personal loan on YONO app without having to fill out any documentation.
2022-07-22 : SBI hikes lending rates, loan EMIs to rise.
Increase in SBI’s Marginal Cost Lending Rates on loans by 10 basis points. The new lending rates will come into effect from 15th July 2022. For one year tenure, MCLR increased to 7.5% from the current 7.4%, and retail loans for cars, houses, or personal loans tend to go higher, affecting monthly loan installments.
2022-05-13 : Punjab National Bank Increases Personal Loan Rates
The bank has increased the rates by 40 basis points, and after the revision, the bank offers personal loans starting from 8.85% to 14.85%.
2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.

*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More

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