Bajaj Finance vs Tata Capital Personal Loan Compared
Which loan suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero.
| Feature |  Bajaj Finance Personal LoanBajaj Finserv | Tata Capital Personal LoanTata Capital | |
|---|---|---|---|
| Loan identity | |||
| Loan typesame | Personal | Personal | |
| Rate type | Fixed | - | |
| Interest and amount | |||
| Interest rate from | 10% | 10.99% | |
| Interest rate to | 30.5% | - | |
| Minimum amountsame | ₹40,000 | ₹40,000 | |
| Maximum amount | ₹55,00,000 | ₹35,00,000 | |
| Minimum tenure | 1 year | - | |
| Maximum tenure | 9 years | 6 years | |
| Fees and charges | |||
| Processing fee | Up to 4.13% (incl. taxes) | Up to 5% + GST | |
| Prepayment charges | Full prepayment up to 4.72% (incl. taxes); part-prepayment free | Part-prepayment up to 25% free; above that, charges apply | |
| Late payment charges | Penal charge up to 36% a year on the overdue instalment; bounce Rs 700 to Rs 1,200 | - | |
| Eligibility | |||
| Min monthly salary | ₹35,000 | ₹20,000 | |
| Min agesame | 21 years | 21 years | |
| Max age at maturity | 80 years | 58 years | |
| Employment type | Both | Salaried | |
| Min credit score | 720 | 725 | |
| Page content | |||
| Eligibility | Indian citizen, age 21 to 80 (80 or younger at the end of the loan). Salaried or self-employed, working for a public sector, private or multinational company. CIBIL score 650 or higher. | Salaried Indian residents aged 21 to 58, earning at least Rs 20,000 a month, with at least 1 year in the current job and 2 years of total experience. A CIBIL score of 725 or more is preferred. | |
| Documents needed | KYC (Aadhaar, passport, voter ID, driving licence, NPR letter or NREGA job card), PAN card, employee ID card, salary slips for the last 3 months, bank statements for the last 3 months. | PAN card, address proof (Aadhaar, passport, driving licence or voter ID), salary slips and bank statements for the last 3 months. | |
| Apply | Apply Now | Apply Now | |
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Short reads that explain how it works before you decide.
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LoansWhat Is a Good CIBIL Score, and How to Raise ItYour CIBIL score runs from 300 to 900, and 750 or more opens most doors. Here is what moves it, what does not, and how to raise it step by step.Read the guide →
