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Eligibility Criteria for Tata Capital Home Loan

Here, is the eligible criteria for Tata Capital Home Loan

Criteria	Salaried Applicants	Self-employed Applicants
Age Range	21 to 65 years	21 to 65 years
Nationality	Indian/NRI	Indian/NRI
Minimum Monthly Income	Rs. 30,000	As 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.

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Tata Capital Home Loan Interest Rates

Regular Home Loan

Particulars	Salaried	Self-Employed
Loan amount	₹ 5 lakhs to ₹ 5 crores	₹ 5 lakhs to ₹ 5 crores
Loan tenure	Upto 30 years	Upto 30 years
Interest Rate	8.75% per annum	Starting rate @ 8.85%

Tata Capital Home Loan Processing Fee and Charges

Processing Fees

Loan Slab	Processing Fee
Up to Rs. 25 lakh	Upto 2% of loan amount
Above Rs. 25 lakh	Upto 2% of loan amount

Other Charges on Home Loans

Service	Charges
Prepayment Charges	NIL for prepayment with own funds
Delayed EMI Payments	2.36% per month on the defaulted amount
Document retrieval charges	Rs 2,000
Providing document list	Rs 500
Photocopies of title documents	Rs 1,000
Cheque bounce charges	Rs 500
ECS/NACH dishonor charges	Rs 300

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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	✖	✖	✔

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Tata Capital Home Loan Schemes and Top Plans

Comparison

Feature	Regular Home Loan	Home Extension Loan	Overdraft Loan	Home Loan Balance Transfer	Top-Up Loan	Affordable Housing Loan	Self Construction Loan
Type of Loan	Home Loan	Home Extension Loan	Overdraft Loan	Balance Transfer Loan	Top-Up Loan	Affordable Housing Loan	Self 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 crore	Need Basis	Need Basis	₹5 crore
Interest Rate	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	10.10% p.a. onwards	8.75% p.a. onwards
Tenure	Up to 30 years	Up to 30 years	Up to 15 years	Up to 30 years	Up to home loan tenure	Up to 30 years	Up to 30 years
Eligible Applicants	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed	Salaried/Self-employed
Special Features	–	For home extensions	For overdraft needs	Transfer existing loan	For additional funds	For affordable housing	For self construction
Additional Benefits	–	Easy Eligibility Criteria Easy Repayment	High Home Loan OD Limit	Lower interest rates	Easy documentation	Doorstep Service	Instant Approval

Details

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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.

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Tata Capital Home Loan Customer Care

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

Contact Method	Details
Toll-Free Number	1860 267 6060 (Available Mon-Sat, 9 AM – 8 PM)
Email ID	customercare@tatacapital.com
SMS Support	SMS ‘HELP’ to 567678
Official Address	11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013
Website	www.tatacapital.com

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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.

Bank	Up to Rs. 30 Lakh	Above Rs. 30 Lakh to Rs. 75 Lakh	Above Rs. 75 Lakh
SBI Bank	8.50% p.a. onwards	8.5% p.a. onwards	8.50% p.a. onwards
HDFC Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
LIC Bank	8.50% – 10.35% p.a.	8.50% – 10.55% p.a.	8.50% – 10.75% p.a.
ICICI Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Kotak Mahindra Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Punjab National Bank	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.
Bank Of Baroda	8.40% – 10.65% p.a.	8.40% – 10.65% p.a.	8.40% – 10.90% p.a.
Bajaj Housing Finance	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards
Axis Bank	8.75%-10.30% p.a.	8.75%-10.30% p.a.	8.75%-10.30% p.a.
Bank of India	8.40% p.a onwards	8.40% p.a onwards	8.40% p.a onwards
TATA Capital	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards