Information only
Tata Capital is a non-banking financial company (NBFC), regulated by the Reserve Bank of India (RBI). It is the diversified financial services lender of the Tata group. Its registered office is in Lower Parel, Mumbai. Unlike a bank, an NBFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for Tata Capital
| Loan | What to know |
|---|---|
| Home loans | Given through Tata Capital Housing Finance, its wholly owned housing finance company. |
| Personal loans | Unsecured, so approval rests on income, existing EMIs and credit history; amount and tenure are set by the lender. |
| Loans against property | Secured on a property you own; the amount depends on the lender's valuation and your repayment capacity. |
| Business and MSME loans | For working capital or expansion; business vintage, financial statements and bank statements are usually asked for. |
| Car loans | Strengthened by the 2025 merger of Tata Motors Finance, a vehicle financier. |
| Two-wheeler loans | Part of its vehicle finance range, which grew after the Tata Motors Finance merger. |
| Education loans | Offered for studies in India and abroad. |
LOANZ 360 explains how each of these loan types works: home loans, personal loans, loans against property, business and MSME loans, car loans, two-wheeler loans, education loans. Home loans come from a separate regulated entity, Tata Capital Housing Finance.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | NBFC (upper layer). Upper layer, named by RBI on 6 August 2026 for 2026-27; non-deposit NBFC. |
| Registered office | Lower Parel, Mumbai |
| Parent group | Tata Sons (Tata group) |
| Former names and mergers | Tata Motors Finance merged into Tata Capital; the scheme took effect on 8 May 2025 |
As of 8 November 2026, RBI lists Tata Capital among the NBFCs in the upper layer for 2026-27; the Tata Motors Finance merger took effect on 8 May 2025. RBI publishes the upper layer list each year, so a lender's layer can change. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026