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Tata Capital New Car Loan

Tata Capital Car Loan with Tata Group vehicle discounts and step-up EMI flexibility.

Documents required

  • PAN Card
  • Aadhaar Card
  • 3 months salary slips
  • 6 months bank statement
  • Address proof

As published by Tata Capital. Your branch may ask for more.

Get Tata Capital Offers →Soft check · won’t affect your credit score
Interest rateFrom 9.49% p.a.
Processing fee1.5%
Max amount₹75L
Max tenure7 yr
Compare with 12 other lenders →

Best for: Buyers purchasing Tata vehicles who can stack group discounts onto the loan rate.

Estimate your EMI ~30 sec · indicative
Estimated EMI
₹16,798/mo
Get offers at this amount →
Total cost of this loan ₹2,19,880 · interest + processing fee, ₹8,00,000 over 5 yr at 9.49% · no prepayment penalty
Eligibility for New Car Loan depends on the vehicle’s on-road price as well as your income. Start an application for a real answer.
EMI at Tata Capital’s 9.49% p.a.
₹5L · 4 yr
₹12,559/mo
₹8L · 5 yr
₹16,798/mo
₹13L · 7 yr
₹21,241/mo

Eligibility

At Tata Capital
Age21 – 65 years
Min salary₹20,000/mo
Min income (self-emp)₹2,40,000/yr
Min credit score700+
Employmentsalaried, self employed, professional
Disbursal48-72 hours
Typical for new car loan
FinancingTypically up to 80 – 90% of on-road price

Loan terms

Amount₹1L – ₹75L
Tenure1 – 7 years
Rate typefloating
PrepaymentNil
Late payment2-3% of EMI + applicable taxes
  • Tata Group vehicle discounts
  • Flexible step-up EMI
  • Top-up on existing car loans

Fees & charges

Prepayment / foreclosureVaries by lender and rate type
Late paymentAs per each lender’s schedule

FAQ

Used-car loans price higher than new-car loans because of the collateral risk — see the separate used-car page. Salary-account customers often get a small rate discount on new cars.

Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.

No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.

Related readingTata Capital Personal Loan Review 2026: Rates, Fees & Should You Apply?Bajaj vs Tata Capital Personal Loan 2026: Which NBFC Should You Choose?Best Car Loan Interest Rates in India 2026

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RBI-registered lenders only
RateFrom 9.49% p.a. · Tata Capital
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