Tata Capital business loans
Tata Capital is on Recur Club's lender panel, writing domestic factoring, dropline overdraft, finance lease and 9 other products. Observed tickets run ₹3 cr to ₹15 cr, priced between 10.5% and 12%. Median turnaround from application to disbursal is about 49 days.
- ✓Tickets from ₹3 Cr – ₹15 Cr across 13 products
- ✓Indicative pricing 10.5% – 12%, as quoted on live transactions
- ✓Around 49 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Tata Capital Financial Services Limited
- Borrower: CIBIL ≥650
- Delhi (varies by product)
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4 (cohort ≈0.9×)
- debt/networth ≤4 (cohort ≈0.8×)
- DSCR ≥1
15 more ▾ ▴
- Deal: rate 10–18% (range across products — see matrix)
- ticket ₹3–1000cr
- tenure 12–60mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (58%)
- 1st charge on P&M (50%)
- median ticket ₹10cr
- median rate 13%
- median turnaround 49d
- Security asked in : FD margin 20–30% (×9), Fixed Deposit <5% (×8), FD margin 5–10% (×8), FD margin 10–15% (×8)
- Security asked in : Personal Guarantee Of Promoters/Directors (×30), 1st/pari-passu charge on current assets (×23), FD margin 10–15% (×19), Escrow Of Cashflows (×15)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×26), 1st/pari-passu charge on current assets (×15), 1st charge on P&M (×13), Escrow Of Cashflows (×12)
- share → in-principle approval (initial interest): ≈14d
- in-principle approval → sanction (underwriting): ≈16d
- sanction → disburse (closing): ≈8d
Tata Capital Limited
- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 9.2–13%
5 more ▾ ▴
- ticket ₹3–40cr
- Security (observed): share pledge ≤51% (100%)
- Security asked in 2026: share pledge ≤51% (×1)
- share → in-principle approval (initial interest): ≈1d
- in-principle approval → sanction (underwriting): ≈0d
What Tata Capital lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure | Arm |
|---|---|---|---|---|
Domestic Factoring▾Turnaround ~49d Wins
17 more ▾ ▴
Behaviour & gates
4 more ▾ ▴
| ₹3 cr | 10.5% | 12 mo | Tata Capital Financial Services |
Secured Term Loan▾Turnaround ~74d Wins
16 more ▾ ▴
Behaviour & gates
4 more ▾ ▴
| ₹4–15 cr | 11–12% | 18–48 mo | Tata Capital Financial Services |
Also offered, with no terms observed yet: Sales Invoice Discounting, Working Capital Demand Loan, Dropline Overdraft, Finance Lease, Loan Against Property, Loan Against Securities, Operating Lease, Overdraft / Cash Credit, Purchase Invoice Discounting, Unsecured Business Loan.
What a sanction from Tata Capital actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Tata Capital Financial Services Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 85 sanction letters carrying the clause.
Tata Capital Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 67 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
Tata Capital Financial Services Limited
- Fixed Deposit11 letters
- Movable Fixed Assets3 letters
- Debt Mutual Fund3 letters
- Fixed Deposit / Debt Mutual Fund3 letters
- Stocks and Receivables2 letters
- Immovable Property (Land)2 letters
- Fixed Deposit ×11, Movable Fixed Assets ×3, Debt Mutual Fund ×3, Fixed Deposit / Debt Mutual Fund ×3, Stocks and Receivables ×2, Immovable Property (Land) ×2
Tata Capital Limited
- Fixed Deposit6 letters
- Movable Fixed Assets3 letters
- Immovable Property (Land)2 letters
- FD/MF2 letters
- Cheque2 letters
- Residential Property (Mortgage)1 letters
- Fixed Deposit ×6, Movable Fixed Assets ×3, Immovable Property (Land) ×2, FD/MF ×2, Cheque ×2, Residential Property (Mortgage) ×1
What borrowers ask about Tata Capital
- What does Tata Capital lend?
- Tata Capital writes domestic factoring, dropline overdraft, finance lease, loan against property, loan against securities, operating lease and 6 further products. Across those, observed facilities run ₹3 cr to ₹15 cr.
- What ticket size does Tata Capital offer?
- Facilities observed on live transactions run from ₹3 cr to ₹15 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Tata Capital charge?
- Rates observed on live transactions fall between 10.5% and 12% a year. Tenures run 12 to 48 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Tata Capital take to disburse?
- About 49 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Tata Capital's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
Next steps after Tata Capital
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Tata Capital is the right lender for you
A few questions. Recur Market scores you against Tata Capital and the rest of the panel, on each lender's own recorded criteria.
Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Tata Capital's current policy. Terms are set by the lender at the time of sanction.