At Tata Capital, a part prepayment charge of 2.5% is levied only on amounts exceeding 25% and up to 50% of the principal outstanding. Apart from this, be sure to keep the following in mind for prepayment of Tata Capital loans.Part prepayment is allowed during the lock-in period (first 12 months)Part-prepayment can be done annually with a minimum gap of six months between two consecutive part-paymentsA maximum of 50% of the principal outstanding is allowed as part prepayment during a yearThe minimum part-payment amount should be greater or equal to two months EMI