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Powered by TATA Capital, India's most trusted NBFC

Personal loans up to ₹10 Lakhs, in your account in 5 minutes.

Instant approvals. Zero paperwork. Flexible EMIs from 6 to 60 months. Univest brings you personal loans powered by TATA Capital, designed for India's modern earner.

5-minute disbursal Zero paperwork 9.99% p.a. onwards Tenure up to 60 months
Check your offer for free Calculate EMI
5L+
Happy users
9.99%
Starting interest
SEBI
Registered
Approved instantly
#UV-2026-LN
Loan amount
₹ 10,00,000
EMI
₹32,262
per month
Tenure
36 mo
flexible
Rate
9.99% p.a.
starting
Lent by
TATA Capital
Disbursed in
4 min 12 sec
EMI Calculator

Know exactly what you'll pay, every month.

Adjust the sliders. See your monthly EMI, total interest, and repayment update in real time.

₹
₹25,000 ₹10,00,000
%
9.99% 36%
months
6 months 60 months
Your monthly EMI
₹14,122
per month for 36 months
Principal
₹3,00,000
Total interest
₹58,392
Total payable ₹3,58,392
Apply for this loan
Lending Partner

Anchored in 156 years of institutional credibility.

Personal loans distributed by Univest in partnership with TATA Capital, a Systemically Important Non-Banking Financial Company regulated by the Reserve Bank of India.

TATA Capital

Institutional credibility, with the speed of a fintech.

TATA Capital Limited is among the largest diversified non-banking financial companies in India, with a customer base exceeding 5 million across personal, business, and consumer lending. Its products are governed by a transparent and disclosed fair-practices framework.

RBI Registration
N-13.02043
Credit Rating
CRISIL AAA / Stable
Customers served
5 Million+
AUM
₹1.5 Lakh Crore+
Group legacy
156 years (TATA)
Loan products
Personal, Business, Auto

Need help with your application? Download the Univest app to get started.

Visit TATA Capital
FAQs

Questions, answered.

Who is eligible for a Univest personal loan?
You must be an Indian resident aged 21 to 60 with a regular source of income (salaried, self-employed, or professional). Eligibility is also influenced by your credit score, debt-to-income ratio, and TATA Capital's underwriting criteria. Univest facilitates the application; the final approval decision rests with TATA Capital.
What are the product details of the personal loan?

Loan amount: ₹25,000 to ₹10,00,000

Tenure: 6 to 60 months

Interest rate: 9.99% to 24% per annum (fixed)

Processing fee: 1% to 4% of the loan amount (plus GST)

Bounce charges: ₹400 to ₹500 (plus GST)

Penal charges: 18% to 36% per annum on overdue amount

How long does disbursal take?
The application takes about 5 to 10 minutes on the Univest app. Approval is typically instant. Disbursal usually completes within an hour, though in rare cases it may take up to 48 working hours.
What documents do I need?
The journey is 100% paperless. You'll need your PAN, Aadhaar, and bank statement, which are verified digitally. No hard copies, no branch visits.
Can I prepay or foreclose my loan?
Yes, you can foreclose your loan at any time as per TATA Capital's terms. Foreclosure charges may apply depending on the loan amount and timing. You can initiate this directly from the Univest app under the Loans section.
Important Disclaimer

Please read before applying

  1. Univest Communication Technologies Private Limited ("Univest") is only a distributor of the lending product offered by TATA Capital. The loan is issued, serviced, and recovered solely by TATA Capital.
  2. The lending products are not offered to facilitate or fund trading or investments in the securities market, in any manner.
  3. Univest is not liable for any dispute related to the lending product. All disputes pertaining to the loan must be addressed with TATA Capital through their designated grievance redressal mechanism.
  4. Lending products are not exchange-traded products, and Univest's distribution activity does not fall under the dispute resolution mechanism of SEBI, stock exchanges, SCORES, ODR, or the Exchange Investor Redressal Forum.
  5. Univest is a SEBI-registered Research Analyst (INH000013776) and may distribute other banking and financial products not falling under SEBI's purview. Any grievances related to such products shall not come under the purview of SEBI.
  6. The interest rate, processing fee, and other charges shown on this page are indicative. Actual rates and fees are determined by TATA Capital based on your credit profile and are disclosed in the Key Fact Statement (KFS) and Sanction Letter at the time of loan offer.
  7. Fraud disclaimer: Univest never sells loans on its own and does not charge any fee for loan processing or disbursal. If anyone calls claiming to represent Univest and asks for an upfront payment, please report the incident immediately to support@univest.in. Do not share OTP, PAN, or banking credentials with unverified callers.