18/07/2025
*📢 Greetings from Tata Capital!*
*We’re excited to share the USP Highlights of our Term Loan and Hybrid Flexi Loan offerings:*
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*✅ Eligibility & Income Criteria*
Term Loan:
• Salary starts from ₹20,000
• If salary is between ₹20K–₹24.99K, additional family income (e.g. agricultural income) is required
Hybrid Flexi Loan:
• Salary starts from ₹50,000
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*🔄 Balance Transfer (BT) Flexibility*
We support 6 types of BT, including:
• Upto 5 Credit Cards
• Credit Card Transactions,
• EMI-converted spends,
• Jumbo Loans,
• Insta Loans on Credit Card
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*💰 Rate of Interest (ROI)*
Term Loan ROI: Starts from 12%
Hybrid Flexi ROI: Starts from 14%
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*🔍 Credit Eligibility*
CIBIL Score of 0 & -1 accepted
Minimum CIBIL required: 650
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*🏢 Company Type Flexibility*
Funding available for *unlisted companies*
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*🔓 No Restriction on Existing Loans*
We do not restrict live loan count
→ Even if the customer has 5 active PLs, we can process a 6th loan without BT if eligible under fresh funding
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*📊 High FOIR & Multiplier for High Earners*
For salaries above ₹75,000,
• Max FOIR: 75%
• Max Multiplier: x27
• Income counted = NTH + Incentives + Bonus + Rental + Pension
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*❌ No Scorecard Evaluation*
We don’t check scorecard – making onboarding easier and faster!
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Let us help you close more deals with these unmatched features from Tata Capital.
For any queries or support, feel free to reach out.
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