TCS Credit Analyst Salaries by 60+ Employees (Updated 2025)

1 - 7 years exp.

₹2.1 Lakhs - ₹4.8 Lakhs

Avg. annual salary

Monthly In-hand Salary

Credit Analyst Salary at TCS ranges between ₹2.1 Lakhs to ₹4.8 Lakhs per year for employees with experience between 1 year to 7 years. Salary estimates are based on 63 latest salaries received from various... Read more

65% less than the average Credit Analyst Salary in IT Services & Consulting Companies for 1 - 7 years of experience

Interested in this particular role? 1 job opening

What are the roles & responsibilities of a Credit Analyst at TCS?

Credit Analysis

Underwrite mid to large corporate loans and present to senior management
Determine creditworthiness of applicants through cash flow analysis
Prepare and review credit memos for underwriting decisions
Authorize deviations raised by underwriters in compliance with credit policy

Risk Management

Conduct credit risk approvals for corporate loans
Analyze financials, cash flow, leverage, and liquidity
Ensure compliance with policies and procedures for approved applications
Maintain confidentiality of sensitive information

Reporting and Documentation

Prepare monthly reports and internal documentation
Provide accessible reports on financial topics to customers
Finalize reviews of credit memos ensuring all documentation is complete
Respond to inquiries from lenders regarding credit applications

Read full roles & responsibilities

Last Updated: 18 Jun 2025

Companies similar to TCS for Credit Analyst

Company name	Avg Annual Salary	Open Jobs
Genpact Credit Analyst Salary 0 - 7 years exp. (138 salaries)	₹1.9 L/yr - ₹10 L/yr 67% more
Accenture Credit Analyst Salary 1 - 8 years exp. (128 salaries)	₹1.8 L/yr - ₹9.5 L/yr 62% more
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Wipro Credit Analyst Salary 0 - 8 years exp. (22 salaries)	₹2 L/yr - ₹7.3 L/yr 21% more

IBM Credit Analyst Salary 1 - 3 years exp. (16 salaries)	₹2.3 L/yr - ₹4.3 L/yr 1% less
Societe Generale Global Solution Centre Credit Analyst Salary 4 - 11 years exp. (9 salaries)	₹9.2 L/yr - ₹24 L/yr 410% more	1 job opening
Tech Mahindra Credit Analyst Salary 4 - 15 years exp. (8 salaries)	₹3.4 L/yr - ₹7 L/yr 45% more
HCLTech Credit Analyst Salary 1 - 7 years exp. (6 salaries)	₹3 L/yr - ₹5 L/yr 27% more
Cognizant Credit Analyst Salary 1 - 10 years exp. (5 salaries)	₹2 L/yr - ₹4.2 L/yr 2% more

NTT Data Credit Analyst Salary 4 - 12 years exp. (5 salaries)	₹5 L/yr - ₹11.5 L/yr 141% more
Capgemini Credit Analyst Salary 2 - 14 years exp. (5 salaries)	₹3 L/yr - ₹8.7 L/yr 90% more
DXC Technology Credit Analyst Salary 2 - 6 years exp. (3 salaries)	₹2.5 L/yr - ₹5.8 L/yr 20% more
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Infosys Credit Analyst Salary 1 - 3 years exp. (3 salaries)	₹3.3 L/yr - ₹6 L/yr 63% more
Tata Group Credit Analyst Salary 2 - 5 years exp. (3 salaries)	₹3.3 L/yr - ₹4.3 L/yr 15% more
NTT DATA, Inc. Credit Analyst Salary 4 - 11 years exp. (3 salaries)	₹5 L/yr - ₹5.8 L/yr 74% more

TCS Credit Analyst salaries by

Years of experience	Avg. annual salary
1 year (11 salaries)	₹2.2 L/yr - ₹3.2 L/yr
2 years (16 salaries)	₹2.1 L/yr - ₹4 L/yr
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3 years (17 salaries)	₹2.3 L/yr - ₹3.5 L/yr
4 years (5 salaries)	₹2.6 L/yr - ₹4.5 L/yr
5 years (5 salaries)	₹1.4 L/yr - ₹4.5 L/yr
6 years (6 salaries)	₹3.3 L/yr - ₹4.8 L/yr
7 years (3 salaries)	₹1.6 L/yr - ₹4.8 L/yr

View all salaries by experience

Similar Designation Salaries at TCS

Similar Designation	Avg. annual salary
Senior Analyst Salary (2.3k salaries)	₹3.1 L/yr - ₹13.9 L/yr
Credit Manager Salary (6 salaries)	₹9.5 L/yr - ₹17.5 L/yr
Login to view exact salary
Analyst Salary (7.2k salaries)	₹2 L/yr - ₹11.4 L/yr
Research Analyst Salary (111 salaries)	₹1.5 L/yr - ₹8 L/yr
Associate Analyst Salary (211 salaries)	₹1.3 L/yr - ₹8.4 L/yr
Business Analyst Salary (9.2k salaries)	₹4 L/yr - ₹16.0 L/yr
Financial Analyst Salary (1.9k salaries)	₹1 L/yr - ₹6.8 L/yr
Team Lead Salary (8.8k salaries)	₹4.5 L/yr - ₹17.5 L/yr
Deputy Manager Salary (68 salaries)	₹6.2 L/yr - ₹24 L/yr
Accountant Salary (236 salaries)	₹1 L/yr - ₹9.0 L/yr

View more similar designations

What people are saying about TCS

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a senior associate

Tata's lost its touch? TCS ain't what it used to be :-(

Tata is not the same after Sir Ratan Tata! TCS used to really look after its employees, even when they were on the bench. Now, things have changed and it's disappointing.

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Low salary. Extremely delayed promotions. Extremely low variable payout. Unethical seniors- often false promises of promotion and onsite are offered to allure employees in joining project. Long working hours expectation. Supervisors call you at unearthly hours. Goals and Attributes are set at the last moment during appraisal time and often set as per the decision made on your band. If a low band is decided for you, then un realistic goals are set for you. Highly demotivating work environment.

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TCS Credit Analyst Salary FAQs

What is the salary of Credit Analyst at TCS ?

The average salary of a Credit Analyst at TCS in India typically ranges from ₹2.1 Lakhs to ₹4.8 Lakhs per year, depending on experience (from 1 year to 7 years).

The top 10% of Credit Analyst at TCS earn more than ₹4.3 Lakhs per year, and the top 1% earn over ₹4.8 Lakhs per year. Credit Analyst Salaries at TCS can be higher or lower depending on factors such as the specific team, level of experience, and additional benefits like bonuses and stock options.

These estimates are based on salary data submitted by 60+ TCS employees in India.

What is the estimated take home salary of a Credit Analyst at TCS in India?

The estimated take-home salary of a Credit Analyst at TCS in India typically ranges from ₹22,499 to ₹23,975 per month. This is based on the average salary range of ₹2.1 Lakhs to ₹4.8 Lakhs per year for employees with experience ranging from 1 year to 7 years.The take-home salary is calculated after accounting for standard deductions such as taxes, provident fund (PF), and insurance. Salary estimates are based on 60+ salaries received from various employees of TCS. Check how we calculate in-hand salary with our in-hand salary calculator.

What are the key skills required to be a Credit Analyst at TCS ?

To be a Credit Analyst at TCS in india, the key skills required include:

- Credit Analysis
- Credit Appraisal
- Cash Flow Analysis
- Corporate Credit
- Investment Banking

These skills are highly valued at TCS and are crucial for successful performance in a Software Engineering role.

Which companies offer higher salaries than TCS for Credit Analyst in India?

Societe Generale Global Solution Centre	₹9.2 Lakhs to ₹24.0 Lakhs per year
NTT Data	₹5.0 Lakhs to ₹11.5 Lakhs per year
Capgemini	₹3.0 Lakhs to ₹8.7 Lakhs per year
NTT DATA, Inc.	₹5.0 Lakhs to ₹5.8 Lakhs per year
Genpact	₹1.9 Lakhs to ₹10.0 Lakhs per year

These companies are known for offering competitive compensation packages that can exceed the salary offered by TCS, depending on the role and experience level.

What is the salary of a Credit Analyst in companies similar to TCS in India?

The salary of a Credit Analyst at companies similar to TCS in India varies, depending on the role, experience, and company size. Here are the typical salary ranges:

Infosys	₹3.3 Lakhs to ₹6.0 Lakhs per year
Accenture	₹1.8 Lakhs to ₹9.5 Lakhs per year
Tech Mahindra	₹3.4 Lakhs to ₹7.0 Lakhs per year
HCLTech	₹3.0 Lakhs to ₹5.0 Lakhs per year
Wipro	₹2.0 Lakhs to ₹7.3 Lakhs per year

These companies, which operate in similar sectors, offer competitive salaries, although the range can vary based on the company and individual experience levels.

How the salary growth look like for a Credit Analyst at TCS in India?

The salary growth for a Credit Analyst at TCS depends on factors such as experience, performance, and promotions. On average, a Credit Analyst can expect the following growth trajectory at TCS:

Experience	Average Salary Range
1 year	₹2.2 Lakhs to ₹3.2 Lakhs per year
2 years	₹2.1 Lakhs to ₹4.0 Lakhs per year
3 years	₹2.3 Lakhs to ₹3.5 Lakhs per year
4 years	₹2.6 Lakhs to ₹4.5 Lakhs per year

and so on.

Top skills at TCS for Credit Analyst

Financial Analysis Credit Analysis MS Office SAP ERP Analytical Skills

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TCS Credit Analyst Salaries

TCS Credit Analyst salary in India ranges between ₹2.1 Lakhs to ₹4.8 Lakhs with an average annual salary of ₹. Salary estimates are based on 63 TCS latest salaries received from various employees of TCS.