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Minimal Documentation
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Digital Application Process
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Instant Provisional Sanction
EMI Starts From : ₹884/Lakh
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TATA Capital offers max funding upto 5 Crores

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Interest Rates starting @8.75%

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Tenure upto 30 years

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TATA CapitalTATA Capital
  • Overview
  • Loan Calculations
  • Highlights
  • Home Loan Interest Rates
  • Compare With Other Banks
  • Processing Fees
  • Fees and Charges
  • Home Loan Types
  • EMI Calculator
  • Eligibility Criteria
  • Documents
  • Tenure
  • How to Apply
  • Loan Amount
  • Customer Care
  • Nearest Branches
  • Disbursement Process
  • Home Loan Insurance
  • Tax Benefits
  • Bank Features
  • Why Choose Credit Dharma

TATA Capital Home Loan

Tata Capital offers attractive home loan solutions with an interest rate starting at 8.70% p.a. and a maximum tenure of 30 years. You can avail loans up to ₹5 crore, making it suitable for various property-related requirements, including purchasing a plot, constructing a home, renovating, or extending existing property.

Rate of Interest

8.75% - 10%

Loan to Value

80% - 85%

Loan Tenure

Max 30 Years

Max Loan Amount

Upto 5cr

Rate of Interest8.75% - 10%
Loan TenureMax 30 Years
AgeSalaried/ Self Employed : 21-65 years
ProfessionSalaried/Self Employed
Income30,000/Month & Above
NationalityResident Indian/ NRI
Max Loan AmountUpto 5cr
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
LTV80% - 85%
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft Facility
Top Up Facility
Other OfferingsBusiness Loan, Loan Against Propety, Loan Against Securities
Processing Feesupto 2% of loan amount+ GST
Other ChargesNo Foreclosure Charges
Overdraft Facilities-
Highlights• Digital Application Process
• Instant Provisional Sanction
• Online Prepayments are Easy and simple
• Minimal Documentation
• Approval in 48 Hours

*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.

Home Loan Calculations
₹50,00,000
20 Years
Loan Amount₹ 50,00,000
Loan Tenure20 years
Rate of Interest8.75% - 10%
Monthly EMI₹ 44,185 -
₹ 48,251

Eligibility Criteria for Tata Capital Home Loan

Here, is the eligible criteria for Tata Capital Home Loan

CriteriaSalaried ApplicantsSelf-employed Applicants
Age Range21 to 65 years21 to 65 years
NationalityIndian/NRIIndian/NRI
Minimum Monthly IncomeRs. 30,000As per bank’s norms

Additional Eligibility Criteria:

  • Indian residents and Non-Resident Indians (NRIs) aged 21 to 65 years.
  • Minimum Employment History: 2 years for salaried and 3 years for self-employed.

Calculate your Tata Capital home loan eligibility and unlock exclusive offers for you!

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Tata Capital Home Loan Interest Rates

Regular Home Loan

ParticularsSalariedSelf-Employed
Loan amount₹ 5 lakhs to ₹ 5 crores₹ 5 lakhs to ₹ 5 crores
Loan tenureUpto 30 yearsUpto 30 years
Interest Rate8.75% per annumStarting rate @ 8.85%

Talk to our Home Loan Experts

If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.

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Tata Capital Home Loan Processing Fee and Charges

Processing Fees

Loan SlabProcessing Fee
Up to Rs. 25 lakhUpto 2% of loan amount
Above Rs. 25 lakhUpto 2% of loan amount

Other Charges on Home Loans

ServiceCharges
Prepayment ChargesNIL for prepayment with own funds
Delayed EMI Payments2.36% per month on the defaulted amount
Document retrieval chargesRs 2,000
Providing document listRs 500
Photocopies of title documentsRs 1,000
Cheque bounce chargesRs 500
ECS/NACH dishonor chargesRs 300
These charges are exclusive of taxes

Documents Required for Tata Capital Home Loan

Identity Documents

Document Name Salaried Applicants Self-employed Applicants NRI Applicants
Passport ✔ ✔ ✔
Driving License ✔ ✔ ✔
Life Insurance Policy ✔ ✔ ✔
Birth Certificate ✔ ✔ ✔
PAN Card ✔ ✔ ✔
School Leaving Certificate ✔ ✔ ✔
Voter ID Card ✔ ✔ ✔
Aadhaar Card ✔ ✔ ✔
Passport-sized Photographs ✔ ✔ ✔

Income Documents

Document Name Salaried Applicants Self-employed Applicants NRI Applicants
Salary Slips for the last 3 months ✔ ✖ ✔
Salary Bank Account Statements ✔ ✖ ✔
Appointment letter ✔ ✖ ✔
Yearly increment letter ✔ ✖ ✔
Certified true copy of Form 16 ✔ ✖ ✔
Income Tax Returns (last 2 years) ✖ ✔ ✖
Business Profile on letterhead ✖ ✔ ✖
Business Registration Certificate ✖ ✔ ✖
Profit & Loss Projection Statement (2 years) ✖ ✔ ✖
Operative current account statement ✖ ✔ ✖
Bank statements for CC/OD facilities ✖ ✔ ✖
Pay slips for the last 6 months ✖ ✖ ✔
Overseas salary account details ✖ ✖ ✔
Credit Report of current country of residence ✖ ✖ ✔

Other Documents

Document Name Salaried Applicants Self-employed Applicants NRI Applicants
Duly signed application form ✔ ✔ ✔
Proof of ownership of property ✔ ✔ ✔
Allotment letter from society ✔ ✔ ✔
Up to date tax paid receipt ✔ ✔ ✔
Processing Fee Cheque ✔ ✔ ✔
Existing loan details ✔ ✔ ✔
Employment stability documents ✖ ✖ ✔

Tata Capital Home Loan Schemes and Top Plans

Comparison

FeatureRegular Home LoanHome Extension LoanOverdraft LoanHome Loan Balance TransferTop-Up LoanAffordable Housing LoanSelf Construction Loan
Type of LoanHome LoanHome Extension LoanOverdraft LoanBalance Transfer LoanTop-Up LoanAffordable Housing LoanSelf Construction Loan
Minimum Loan Amount₹5 lakh₹2 lakh₹5 lakh – –₹2 lakh₹5 lakh
Maximum Loan Amount₹5 crore₹5 crore₹2 crore₹5 croreNeed BasisNeed Basis₹5 crore
Interest Rate8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards10.10% p.a. onwards8.75% p.a. onwards
TenureUp to 30 yearsUp to 30 yearsUp to 15 yearsUp to 30 yearsUp to home loan tenureUp to 30 yearsUp to 30 years
Eligible ApplicantsSalaried/Self-employedSalaried/Self-employedSalaried/Self-employedSalaried/Self-employedSalaried/Self-employedSalaried/Self-employedSalaried/Self-employed
Special Features–For home extensionsFor overdraft needsTransfer existing loanFor additional fundsFor affordable housingFor self construction
Additional Benefits–Easy Eligibility Criteria
Easy Repayment
High Home Loan OD LimitLower interest ratesEasy documentationDoorstep ServiceInstant Approval

Details

Tata Capital Regular Home Loan

  • Type of Loan: Home Loan
  • Minimum Loan Amount: ₹5 lakh
  • Maximum Loan Amount: ₹5 crore
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Home Extension Loan

  • Type of Loan: Home Extension Loan
  • Minimum Loan Amount: ₹2 lakh
  • Maximum Loan Amount: ₹5 crore
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Overdraft Loan

  • Type of Loan: Overdraft Loan
  • Minimum Loan Amount: ₹5 lakh
  • Maximum Loan Amount: ₹2 crore
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to 15 years
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Home Loan Balance Transfer

  • Type of Loan: Balance Transfer Loan
  • Maximum Loan Amount: ₹5 crore
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Top-Up Loan

  • Type of Loan: Top-Up Loan
  • Maximum Loan Amount: Need Basis
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to home loan tenure
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Affordable Housing Loan

  • Type of Loan: Affordable Housing Loan
  • Minimum Loan Amount: ₹2 lakh
  • Maximum Loan Amount: Need Basis
  • Interest Rate: From 10.10% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

Tata Capital Self Construction Loan

  • Type of Loan: Self Construction Loan
  • Minimum Loan Amount: ₹5 lakh
  • Maximum Loan Amount: ₹5 crore
  • Interest Rate: From 8.75% p.a. onwards
  • Tenure: Up to 30 years
  • Eligible Applicants: Salaried/Self-employed

How to Apply for a Home Loan?

  1. Fill Online Form
    Access Tata’s online home loan application form here. It should take approximately 10 to 15 minutes to complete.
  2. Upload Documents
    Upload self-attested copies of the required documents. Upon receipt, we will begin the verification process.
  3. Expert Inspection
    Experts will inspect the property and provide on-spot approval for your house loan.
  4. Loan Disbursal
    You will receive the loan amount in your bank account within 3 to 5 working days.

Do not want to get into this hassle? Get TATA Capital’s best rates in a single call.

Call now!

Tata Capital Home Loan Customer Care

To facilitate effective communication with customers, in addition, Tata Capital offers various channels for customer support.

Contact MethodDetails
Toll-Free Number1860 267 6060 (Available Mon-Sat, 9 AM – 8 PM)
Email IDcustomercare@tatacapital.com
SMS SupportSMS ‘HELP’ to 567678
Official Address11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013
Websitewww.tatacapital.com

Comparison

You can also compare the home loan rates of different banks here. For detailed comparison between top banks you can visit our compare banks page.

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.
What is the maximum tenure TATA offers home loan for

The maximum tenure for the home loan is 30 years. However, the tenure can change based on the scheme.

Are TATA housing Finance Limited interest rates fixed or floating?

Offers both fixed and floating interest rate options for home loans. With a fixed rate, the interest remains constant throughout the loan tenure. With a floating rate, it fluctuates with market conditions.

How is Interest Rate Determined for TATA housing Finance Limited Home Loan?

The interest rate for TATA Housing Finance Limited Home Loan is determined based on your CIBIL score, job profile, income, debt-to-income ratio, and the benchmark rate of lending.

How can I calculate the EMI for TATA housing Finance Limited Home Loan?

You can calculate the EMI for using Credit Dharma’s online EMI Calculator

TATA Capital Calculators
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