Tata Capital is a digital‑first non‑bank financial company in India that offers an online platform and mobile app for borrowing, investing, and insuring. It provides instant‑approval personal, business, vehicle, home, and secured loans with competitive rates, alongside mutual‑fund investments and insurance products, all managed through paper‑less applications, integrated calculators and real‑time credit‑score checks.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers and businesses in India often face lengthy paperwork, low loan approval rates, and limited access to digital financial services, making it difficult to obtain timely credit, invest, or purchase insurance.
Solution
Tata Capital operates as a digital‑first non‑bank financial company that streamlines loan origination, wealth management, and insurance through an online platform and mobile app. Users can apply for personal, home, business, vehicle, and secured loans with instant approval and competitive interest rates, while also accessing mutual‑fund investments and insurance products. The platform provides integrated calculators, credit‑score checks, and document upload to accelerate disbursal. All transactions are managed securely in the cloud, and customers receive electronic statements and dashboards for ongoing account monitoring.
Target Audience
Primary customers are individual borrowers and small‑to‑medium enterprises in India seeking quick, digital access to credit, investment, and insurance solutions.
Features
- End‑to‑end online application for a wide range of loan products (personal, home, business, vehicle, loan against securities/property) with instant approval workflows.
- Competitive interest rates starting as low as 7.50% p.a. for home loans and 10.99% p.a. for personal loans, with flexible EMI and pre‑payment options.
- Integrated financial tools such as loan‑eligibility calculators, EMI calculators, GST and foreclosure calculators, and real‑time CIBIL credit‑score checks.
- Digital document upload and verification, enabling a 100 % paper‑less loan journey and rapid fund disbursal.
- Mobile app (Tata Capital and Moneyfy) for loan management, investment tracking, insurance purchase, and account servicing on‑the‑go.
- Secure cloud‑based data storage with encryption, ensuring privacy and compliance with Indian financial regulations.