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 | 8.85% 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 Does Reserve Bank of India (RBI) Repo Rate Impact Home Loan Interest Rates?
The repo rate is the interest rate at which the RBI lends short-term funds to commercial banks. It acts as a benchmark for the economy, influencing liquidity and credit availability. For example, a lower repo rate reduces banks’ borrowing costs, encouraging them to lend more.
Direct Impact on Home Loan Rates
- Rate cuts reduce borrowing costs : When the RBI lowers the repo rate, banks can borrow funds at cheaper rates, potentially reducing home loan interest rates
- Example from 2025 : In February 2025, the RBI reduced the repo rate by 25 basis points to 6.25%, followed by another cut to 6%.These moves aimed to stimulate economic growth by making loans more affordable.
Transmission to Borrowers
- Partial or delayed pass-through : Banks may not immediately pass the full benefit of repo rate cuts to borrowers. For instance, after the February 2025 cut, lenders gradually adjusted home loan rates, with potential EMIs dropping by ₹500–₹1,000 per lakh
- Dependence on bank policies : Banks factor in operational costs, profit margins, and market competition when adjusting rates. For example, SBI and HDFC reduced rates to 8.25–8.5% post-February 2025 cuts, but smaller lenders might lag.
Key Outcomes for Home Loan Borrowers (2025)
- Lower EMIs : A 25-basis-point repo rate cut could reduce monthly EMIs for existing and new borrowers if banks adjust their rates
- Potential sub-8% rates : Analysts suggest home loan rates might dip below 8% in 2025 due to cumulative repo rate reductions, benefiting first-time buyers and refinancers
Inflation and Repo Rate Dynamics
- High inflation : The RBI typically raises the repo rate to curb inflation, increasing home loan costs.
- Low inflation : Falling inflation allows the RBI to cut rates, easing the burden on borrowers.
Suggested Read: When Does Your Home Become a Non Performing Asset?
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 |
Suggested Read: All Banks Home Loan Interest Rates 2025
Factors Affecting TATA Capital Home-Loan Interest Rate
| Factor | How It Affects the Interest Rate |
|---|---|
| Credit score & repayment history | Higher credit scores & consistent repayments often lead to lower rates |
| Loan amount & tenure | Larger loan amounts or extended tenures can raise rates due to increased risk |
| Type of interest rate (fixed or floating) | Floating rates fluctuate with market changes; fixed rates remain constant but can be higher initially |
| Market & repo rate trends | Rates typically rise or fall in line with the central bank’s policy decisions |
| Employment & income stability | Steady job & robust income can fetch more favorable rates |
| Loan-to-value (LTV) ratio | A lower LTV (larger down payment) signals reduced risk, helping secure lower rates |
| Banking relationship | Good track record or existing relationship with the bank may result in preferential rates |
How are Home Loan Interest Rates Calculated?
Home loan interest rates typically start with a benchmark – for example, the repo-linked lending rate (RLLR) or MCLR. Your bank sets its own spread above this reference to cover operational and credit-related risks. That margin, in turn, depends heavily on your credit score, income stability, loan amount, and the overall risk perceived by the lender.
In addition, economic policies (like changes in the repo rate announced by the central bank) can cause benchmark rates to move up or down, directly influencing what you end up paying over time.
Suggested Read: RLLR vs. MCLR vs. PLR
How to Download Tata Capital Home Loan Interest Certificate Online?
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.
Will Home Loan Interest Rates Go Down in 2025?
Yes, home loan interest rates in India have already started declining in 2025, following the Reserve Bank of India’s (RBI) decision to cut the repo rate by 25 basis points (bps) on April 9, 2025 .
This reduction, combined with a similar cut in February 2025, brings the cumulative repo rate decrease to 50 bps this year, lowering the rate from 6.25% to 6% .
These cuts directly impact floating-rate home loans linked to the repo rate, which most banks use as their external benchmark.
EMI vs. Tenure Reduction: Which Saves More?
Banks typically shorten the loan tenure while keeping EMIs unchanged during rate cuts. Borrowers can opt for this or request an EMI reduction.
For example, a Rs 50 lakh loan at 8.25% (post-February cut) will now cost 8%, lowering monthly EMIs by Rs 777 (from Rs 42,603 to Rs 41,826).
- Lower EMIs : Immediate cash flow relief (e.g., saving Rs 777/month). Total interest saved over 20 years: ~Rs 1.85 lakh .
- Shorter Tenure : Retaining the original EMI shaves 10 months off the loan term, saving ~Rs 4.36 lakh in interest. Experts recommend this option for 234% higher savings compared to EMI cuts.
Suggested Read: What is Reverse Repo Rate?
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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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