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Home > Home Loan > TATA Capital Home Loan > TATA Capital Home Loan Eligibility Criteria | Updates 2025

TATA Capital Home Loan Eligibility Criteria | Updates 2025

April 9, 2025
89 min read
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When you’re planning to apply for a home loan, understanding the eligibility criteria is crucial. Tata Capital offers flexible home loan options, but the approval process depends largely on several factors such as your age, credit score, income, and more.

This blog will guide you through the Tata Capital home loan eligibility criteria, how to use Credit Dharma’s eligibility calculator and tips to enhance your chances of loan approval.

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TATA Capital Home Loan Eligibility Criteria

To be eligible for a Tata Capital home loan, you must meet certain criteria that ensure you have the financial capacity to repay the loan.

Eligibility FactorDetails
Age21–65 years
Credit ScoreA good credit score is essential for loan approval, reflecting financial discipline and creditworthiness.
Income CriteriaStable income required.
Employment ProfilesOpen to salaried employees, self-employed professionals, and entrepreneurs.

TATA Capital Home Loan Eligibility Based on Salary

The table below shows the maximum loan amount that you qualify for based on your income. This was computed with a 30-year repayment period, a set annual interest rate of 8.75%, and the assumption that there had been no previous EMIs. 

Check whether you qualify for a house loan based on your earnings by using the TATA Capital home loan eligibility calculator.

Monthly IncomeLoan Amount
Rs. 25,000Rs.15,18,372
Rs. 30,000Rs.20,49,802
Rs. 35,000Rs.23,91,436
Rs. 45,000Rs.30,74,703
Rs. 50,000Rs.34,16,337
Rs. 55,000Rs.41,75,523
Rs. 60,000Rs.45,55,116
Rs. 65,000Rs.49,34,709
Rs. 70,000Rs.53,14,302
Rs. 75,000Rs.56,93,895

TATA Capital Home Loan Checklist Based on Value of Property

Value of the PropertyLTV Ratio
Up to Rs.30 lakh
90% of the property cost
From Rs.30 lakh to Rs.75 lakh
80% of the property cost
Above Rs.75 lakh
75% of the property cost

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Eligibility Criteria for all TATA Capital Home Loan Products

Home Loan ProductEligibility Criteria
TATA Capital Home LoanAge: 21 to 65 years
Nationality: Indian
Tenure: 5-30 years
Salary: Stable salary required
TATA Capital Home Extension LoanAge: 24 to 65 years
Nationality: Indian
Salary: Minimum Rs. 30,000 per month
Self-Employed: Minimum 3 years of experience
TATA Capital Home Loan OverdraftAge: 21 to 70 years
Nationality: Indian
Tenure: 30 years
Profession: Salaried/Self-Employed
Loan: Must have an existing home loan with TATA Capital
TATA Capital Affordable Housing Loan-The beneficiary should not be owning a pucca house in their name.

-In the case of a married couple, either or both spouses in joint ownership will be eligible for a single low income housing loan.

-The beneficiary should not have availed of central assistance under any housing scheme of State or Central Government.
TATA Capital Home Loan Top-Up-Must be an existing home loan customer with TATA Capital

-Shouldn’t have outstanding dues or defaults in Home Loan EMIs

-Should have a good credit score, preferably over 750
TATA Capital PMAY-Annual household income must fall under any one of the four income categories.
-Must not own a pucca house
TATA Capital Plot & Construction LoanAge: 24 to 65 years
Nationality: Indian
Salary: Minimum Rs. 30,000 per month
Self-Employed: Minimum 3 years of experience

TATA Capital Home Loan Interest Rates

Customer ProfileLoan AmountInterest Rate
Salaried₹5 lakhs to ₹7.5 CroresStarting @ 8.75% per annum
Self Employed₹5 lakhs to ₹7.5 CroresStarting @ 8.85% per annum

Read More: TATA Capital Home Loan Interest Rates

TATA Capital Home Loan Processing Fees and Charges

Customer ProfileDelayed EMI PaymentsProcessing Fees
Salaried2.00% P.M. (24.00% P.A.) on the defaulted amount₹5,000 + GST
Self Employed2.00% P.M. (24.00% P.A.) on the defaulted amount₹10,000 + GST

Check Out: TATA Capital Home Loan EMI Calculator

Factors Impacting Eligibility for TATA Capital Home Loans

The following criteria determine your eligibility for an SBI home loan:

  • The age of the applicant
  • The applicant’s credit rating
  • The applicant’s pay or source of income
  • Debt to income ratio
  • Property value
  • Repayment capacity
  • Property type and purpose

Also Read: TATA Capital Travel and Home Insurance

How to Improve TATA Capital Home Loan Eligibility

  • Boost Your Credit Score: Maintain a high credit score (750 and above) by paying bills on time and reducing outstanding debts.
  • Reduce Existing Debts: Lower your current liabilities to decrease your debt-to-income ratio, making you a more attractive borrower.
  • Ensure Stable Employment: Maintain a steady job or consistent business income for at least 2-3 years to demonstrate financial stability.
  • Increase Your Income Documentation: Provide comprehensive proof of income, including salary slips, income tax returns, and bank statements.
  • Avoid Late Payments: Make all loan and credit card payments promptly to build a strong credit history.
  • Keep Credit Utilization Low: Use only a small portion of your available credit to enhance your creditworthiness.
  • Save for a Higher Down Payment: A larger down payment reduces the loan amount needed, improving your repayment capacity.
  • Include a Co-Applicant: Adding a co-borrower with a strong financial profile can enhance your eligibility and loan terms.
  • Choose the Right Property Type: Invest in properties located in SBI-approved areas with high market demand to ensure favorable loan terms.

How to Use Credit Dharma’s Eligibility Calculator?

Credit Dharma provides a straightforward 4-in-1 eligibility calculator to help you assess your eligibility for a Tata Capital home loan.

Here’s how to use it:

  1. Open the Credit Dharma 4-in-1Home Loan Calculator
  2. Input your details
  3. Review the results, which will show your eligibility status, potential loan amount, monthly EMI amount, etc
  4. Based on the results, decide whether to proceed with your application or take additional steps to enhance your eligibility.

Note that this calculator provides an estimate. Your final loan approval and amount may differ based on additional factors and verification.

Home Loan Interest Rates by Top Banks

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.00% p.a. onwards8.00% p.a. onwards8.00% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% onwards8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.

Home Loan Processing Fees by Top Banks

BankHome Loan Processing Fee
SBI (State Bank of India)0.35% of the loan amount (min ₹2,000, max ₹10,000) + GST
HDFC BankUpto 0.50% of the loan amount or Rs. 3300/- whichever is higher
ICICI Bank0.50% of the loan amount (min ₹3,000, max ₹5,000) + GST
Axis Bank1% of the loan amount or ₹10,000 (whichever is lower)
Kotak Mahindra BankUpto 2% of loan amount (plus taxes and any other applicable statutory dues)
Bajaj Housing FinanceUp to 4% of the loan amount
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.

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Credit Dharma is your trusted partner for securing the best Home Loan offers, with over ₹500 Cr+ loans handled and partnerships with 20+ leading banks. We provide exclusive access to the lowest interest rates and a seamless, digital process with fast approvals in just 1-2 weeks, backed by lifetime support from our home loan experts.

Why choose Credit Dharma? We provide:

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Conclusion

In short, understanding Tata Capital’s home loan eligibility criteria is essential for securing a loan that suits your needs. Factors like your age, credit score, and income level are pivotal, and tools like Credit Dharma’s eligibility calculator can provide you with an estimate in advance. By improving your credit history and managing your finances better, you can enhance your chances of approval and secure favourable terms.

If you need help assessing your financial situation and choosing a home loan that best suits your needs and repayment capacity, contact Credit Dharma for a free consultation call.

Frequently Asked Questions

What is the minimum credit score required for a Tata Capital home loan?

Tata Capital typically prefers a credit score of 750 for home loans, but they may consider lower scores based on other factors.

Can NRIs apply for a Tata Capital home loan?

Yes, NRIs with a valid Indian passport can apply for a Tata Capital home loan.

What is the maximum loan tenure available?

The maximum tenure for a Tata Capital home loan is 30 years, subject to the borrower’s age at the time of loan maturity.

What is the minimum income requirement for a Tata Capital home loan?

The minimum income requirement is ₹25,000 per month. However, this may vary depending on factors such as the location of the property and loan amount.

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