Tata Capital offers home loans up to ₹5 crore where the interest rate starts from just 8.75% per annum. Enjoy a seamless online application process, with minimal documentation and instant provisional sanction. With loan tenure of up to 30 years, Tata Capital ensures an easy home buying experience without unnecessary hassle.
Tata Capital Home Loan Interest Rates by Employment
Tata Capital has a very competitive home loan rate of 8.75 % p.a, which is pretty good for salaried employees while separate offerings are available for self-employed individuals and NRIs, as the interest rates depend on one’s income stability, credit scores, loan amount, and tenure.
Tata Capital Home Loan Interest Rates for Salaried Employees
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Salaried | 8.75% p.a. onwards |
Tata Capital Home Loan Interest Rates for Self Employed
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For Self Employed | 8.75% p.a. onwards |
Tata Capital Home Loan Interest Rates for NRIs
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Home Loan For NRIs | 9.00% p.a. onwards |
Check Out: Tata Capital EMI Calculator
Tata Capital All Schemes Home Loan Interest Rates
Tata Capital offers a diverse range of home loan products including loans for purchase, renovation, balance transfer, and plot purchase, along with specialized schemes for NRIs, women, and self-employed individuals.
| Home Loan Type | Home Loan Interest Rates |
|---|---|
| Tata Capital Home Extension Loan | 8.75% p.a onwards |
| Tata Capital Affordable Housing Loan | 10.10% p.a onwards |
| Tata Capital Overdraft Home Loan | 8.75% p.a onwards |
| Tata Capital Plot & Construction Loan | 8.75% p.a onwards |
| Tata Capital Home Loan Top up | 8.75% p.a onwards |
| Tata Capital Home Loan Quick Cash | 8.75% p.a onwards |
| Tata Capital Home Loan Balance Transfer | 8.75% p.a onwards |
All Schemes Offered by Tata Capital: A Detailed Overview
Tata Capital offers several types of home loan programs, such as choices for home improvement, debt transfers, and NRIs, Women, and self-employed customized loans.
Tata Capital Home Extension Loan
- Customized Plans: Competitive rates for both salaried and self-employed customers.
- Transparent Terms: Market-linked rates for clarity and potential savings.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% to 2% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Tata Capital Affordable Housing Loan
- Market-Linked Flexibility: Rates adjust based on market conditions, ensuring fair pricing.
- Customized Options: Available for both salaried and self-employed borrowers, with flexible terms.
- Market-driven rates that offer transparency and fairness.
| Features | Details |
|---|---|
| Interest rate | 10.10% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Read More: Tata Capital Home Loan Eligibility Checklist
Tata Capital Overdraft Home Loan
- Flexible Repayment: Cost-effectively repay only the amount that has been used.
- Competitive Rates: You can avail of competitive rates in your overdraft facility.
- Quick Disbursement: Solve home-related expenses quickly and urgently.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 2 crores |
| Loan tenure | Up to 15 years |
| Processing fees | 0.50% to 1% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Tata Capital Plot & Construction Loan
The Tata Capital Plot & Construction Loan was designed for those who need flexibility in terms of funds provided for both the purchase of land and construction of a house, with interest rates and repayment options that are competitive and customizable.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Tata Capital Home Loan Top up
- Quick Access to Funds Additional home loan top-up facilities for existing customers.
- No Collateral Required You need not possess any additional security in leveraging your existing home loan.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Tata Capital Home Loan Quick Cash
- Quick Processing: Approval and release of urgent money needs immediately.
- No Collateral Required: This kind of loan does not ask for security, with the collateral amount determined off your home.
- Equitable Interest Rates: Gives you lower rates, and it is again a way to allow for motivating borrowing.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
Tata Capital Home Loan Balance Transfer
- Quick Process: Fast approval and transfer to enjoy better loan terms.
- Reduced EMIs: Transfer your balance to lower your monthly payments.
- Consolidate Debt: Transfer multiple loans for easier management.
| Features | Details |
|---|---|
| Interest rate | 8.75% p.a onwards |
| Maximum loan amount | Up to Rs. 5 crores |
| Loan tenure | Up to 30 years |
| Processing fees | 0.50% of the loan amount, plus applicable taxes. |
| Eligibility | New and Existing Bank Customers |
How to Get Lowest and Best Home Loan Interest Rates at Tata Capital?
- Maintain Credit Score at 750 and Above.
- Consider Maximum Reducing Loan Filings for Effective Interest Rates.
- Increase Initial Deposits to Lower Loan Amount.
- Assess both the floating and the fixed rates given by Tata Capital during your loan search.
- Try capitalizing on the special deals being offered during the Festive.
- Establish proof of income in the form of a stable job history.
- Fill the loan application with a co-borrower to improve eligibility.
- Get the best rates available using your financial profile as leverage.
Read More: Tata Capital Customer Care
Types of Home Loan Interest Rates
| Interest Rate Type | Definition | Pros | Cons |
|---|---|---|---|
| Fixed | Rate remains constant throughout a predetermined period or entire tenure. | – Predictable EMIs for budgeting- Protection against rising interest rates | – Typically higher rates compared to floating- No benefit if market rates go down |
| Floating (Variable) | Linked to market benchmarks (e.g., Repo Rate, MCLR) and changes over time | – Often cheaper when rates fall- Can partly or fully prepay with lower penalties | – EMIs fluctuate with market conditions- Costs may rise if rates increase |
| Hybrid | Combination of fixed and floating phases. | – Stability in the initial fixed period- Potential cost savings in the variable phase | – Transition from fixed to floating can carry uncertainties- May incur a shift-related fee |
How is Tata Capital Interest Rates Calculated?
Tata Capital Bank calculates its home loan interest rates after analyzing certain key elements:
- Benchmark Rate: Based on the RBI guidelines and market conditions, Tata Capital uses either MCLR or EBLR.
- Spread or Markup: An individual and the type of loan granted it determines the spread added by Tata Capital.
- Credit Score: A higher credit rating often translates into lower interest rates.
- Type and Term of Loan: Other factors such as the loan type also play a key role in determining interest.
- Loan-to-Value (LTV) Ratio: A higher LTV ratio is likely to result in higher interest rates.
- Economical Factors: How interest rates swing given the current circumstances; inflation will help you understand how these factors will influence such borrowing rates as the Repo Rate set by the RBI.
- Loan Amount: Higher loan amounts can help avail better interest rates, but this insight is subjective to how lenders perceive your risk grade.
Read More: Tata Capital Home Loan Insurance
How to Obtain Tata Capital Home Loan Interest Certificate?
Time needed: 3 minutes
To obtain your Tata Capital Home Loan Interest Certificate, follow these steps:
- Visit the Tata Capital Website:
- Log in to Your Account:
Use your credentials to log in to your online account if you have one.
- Access the Loan Section:
Once logged in, navigate to the “Loan Account” section or the “Documents” tab.
- Download the Interest Certificate:
Look for the option to download your Home Loan Interest Certificate for the relevant financial year.
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Frequently Asked Questions
Tata Capital offers home loans up to ₹5 crore, depending on eligibility and property value.
Yes, Tata Capital is a reliable option for house loans because it provides flexible tenures, competitive interest rates, and speedy approvals.
The age limit for Tata Capital home loans is 24 to 65 years. You must be salaried or self-employed.
Yes, Tata Capital is an RBI-approved registered Non-Banking financial company (NBFC).
The Tata Capital loan process typically takes 72 hours for approval and disbursal, depending on the documentation and eligibility.
The minimum CIBIL score required for Tata Capital loans is typically 750, though a higher score may improve your chances of better terms.
Tata Capital home loan interest rates start at 8.75% p.a. in 2025, depending on eligibility and other factors.
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