Planning to buy your dream home? Use our easy-to-use calculator to instantly check how much home loan you’re eligible for.
Tata Capital Housing Finance offers competitive interest rates starting from 8.75% p.a., flexible repayment options, and quick loan processing to help make your homeownership dreams come true.
Get exclusive Home Loan offers from Tata Capital Housing Finance
Tata Capital Housing Finance Home Loan Eligibility Criteria
| Criteria | Details |
|---|---|
| Age | Salaried and Self-Employed: 21- 65 years |
| Employment Type | Salaried, Self-Employed (Professionals and Non-Professionals) |
| Minimum Income | Stable income required |
| Tenure | 5-30 years |
Also Read: Tata Capital Home Loan Eligibility Criteria
Calculate your ideal home loan eligibility and get your dream home faster!
Tata Capital Housing Finance Home Loan Highlights
Tata Capital Housing Finance home loan offers flexible terms, competitive interest rates, and high loan amounts, making it an ideal choice for aspiring homeowners.
| Category | Highlights |
|---|---|
| Interest Rate | 8.75% p.a. onwards |
| Loan Amount | Upto 7.5 Cr |
| Loan Tenure | 30 Years |
| Processing Charges | Upto 3% of the Loan Amount |
Tata Capital Eligibility Criteria for all Home Loan Products
| Home Loan Product | Eligibility Criteria |
|---|---|
| TATA Capital Home Loan | Age: 21 to 65 years Nationality: Indian Tenure: 5-30 years Salary: Stable salary required |
| TATA Capital Home Extension Loan | Age: 24 to 65 years Nationality: Indian Salary: Minimum Rs. 30,000 per month Self-Employed: Minimum 3 years of experience |
| TATA Capital Home Loan Overdraft | Age: 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 Loan | Age: 24 to 65 years Nationality: Indian Salary: Minimum Rs. 30,000 per month Self-Employed: Minimum 3 years of experience |
Benefits of Using Tata Capital Home Loan Eligibility Calculator
- Instantly determines your loan eligibility
- Access the calculator online anytime for free
- Get a clear understanding of your borrowing capacity
- Helps in aligning your home search with your budget
- Use your eligibility estimate to negotiate better terms and conditions
Check Out: Tata Capital Home Loan EMI Calculator
How to Improve My Eligibility For Tata Capital Home Loan?
To improve your eligibility for an Tata Capital home loan, take these key steps to qualify for a higher loan amount with better terms.
| Factor | How to Improve Eligibility |
|---|---|
| Credit Score | Maintain a score of 750+ by clearing dues on time and reducing debt. |
| Employment Stability | Stay employed with a stable job or business for at least 2 years. |
| Debt-to-Income Ratio | Reduce existing debts or liabilities to lower your DTI ratio. |
| Loan Tenure | Opt for a longer tenure to lower monthly EMI and improve eligibility. |
| Co-applicant | Add a co-applicant with a steady income to boost eligibility. |
| Property Value | Choose a property with a higher market value to increase loan eligibility. |
| Additional Savings | Having significant savings or assets can demonstrate financial stability. |
| Avoid Unnecessary Loans | Refrain from taking new loans during the application process. |
Get a Home Loan
with Highest Eligibility
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Tata Capital Home Loan Interest Rates
Regular Home Loan
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Loan amount | Up to 7.5 Crores | Up to 7.5 Crores |
| Loan tenure | Upto 30 years | Upto 30 years |
| Interest Rate | 8.75% p.a. onwards | 8.85% p.a. onwards |
Check Out: Tata Capital Home Loan Interest Rates – 2025
Documents Required For Tata Capital Housing Finance Home Loans
When applying for a home loan with the Tata Capital Housing Finance, you will need to provide specific documents that verify your identity, income, and property details. Below is a detailed list:
General Document
| Category | Documents Required |
|---|---|
| Proof of Identity | PAN Card/ Driver’s License / Voter ID / Passport / Aadhar Card |
| Proof of Address | Driver’s License / Ration Card / Voter ID / Passport / Aadhar Card / Registered Rent Agreement |
Proof of Income
| Salaried | Self Employed |
|---|---|
| salary slips of last 3 months | Income Proof for business and ITR |
| 1 Year ITR/Form 16 | Profit & Loss Account |
| 6 months bank account statement (salary account or individual account). | Bank account statement for the last 12 months (for individual or business). |
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 |
Also Read: Tata Capital Home Loan Customer Care
Also Read: Tata Capital Travel & Home Insurance
Home Loan Interest Rates by Top Banks
| 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% onwards | 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 |
Home Loan Processing Fees by Top Banks
| Bank | Home Loan Processing Fee |
|---|---|
| SBI (State Bank of India) | 0.35% of the loan amount (min ₹2,000, max ₹10,000) + GST |
| HDFC Bank | Upto 0.50% of the loan amount or Rs. 3300/- whichever is higher |
| ICICI Bank | 0.50% of the loan amount (min ₹3,000, max ₹5,000) + GST |
| Axis Bank | 1% of the loan amount or ₹10,000 (whichever is lower) |
| Kotak Mahindra Bank | 0.5% – 1.00% of the loan amount |
| Bajaj Housing Finance | Up to 4% of the loan amount |
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Conclusion
Checking your Tata Capital Housing Finance home loan eligibility is a crucial step in securing a home loan. Also, by understanding the eligibility criteria and using the tools provided by Tata Capital Housing Finance, you can ensure a smooth application process and improve your chances of approval. If you need assistance, Tata Capital Housing Finance offers a facility of a pre-approved home loan even before you have identified your dream home. For any queries, feel free to contact our team of experts.
Frequently Asked Questions
The minimum salary required for a salaried individual to be eligible for an Tata Capital Housing Finance home loan is Rs.30,000 per month. For self-employed individuals, the minimum business income should be Rs.30,000 per annum.
Yes, Tata Capital Housing Finance provides up to 90.00% of the property cost as a home loan for properties valued up to Rs.30 lakh.
Eligible individuals for Tata Capital Housing Finance EMI include:
-Salaried professionals aged 25 – 70 with a minimum salary of Rs. 30,000 per month.
-And Self-employed professionals and non-professionals aged 25 – 70 with a minimum annual business income of Rs.30,000.
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