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  • TATA Capital Home Loan Interest Rates

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  • With the purpose of providing transparent and focused financial solutions, TATA Capital was formed in 2007. Its amazing customer service and reliable and transparent financial services have helped the institution grow rapidly to more than 100 branches in the short span of its existence.

    Interest rate 8.75% - 8.85%
    Loan Tenure 1 – 30 years
    Pre-closure charges 2% of Loan Amount

    TATA Capital offer home loans at interest rates that range between 8.75% and 8.85%. The loan can be availed for a tenure of up to 30 years. With regard to pre-closure charges, a 2% charge of the Loan Amount will be levied.

    TATA Capital Home Loan Rate of Interest - For Salaried Professionals and Doctors

    Loan Amount Interest Rates
    Up to Rs.75 lakh 8.75% - 8.80%
    Above Rs.75 lakh 8.80% - 8.85%

    TATA Capital Home Loan Rate of Interest - For Self-employed Professionals / Non-Professionals

    Loan Amount Interest Rates
    Up to Rs.75 lakh 8.90%
    Above Rs.75 lakh 9.05%
    • Women borrowers get a 5 basis points reduction than the above quoted home loan rates for loans that amount to Rs.30 lakhs or less.
    • For salaried professionals and doctors, an interest rate of 8.75% - 8.80% will be applied for home loans up to Rs.75 lakh. For loans above Rs.75 lakh, the interest rates would range from 8.80% to 8.85%.
    • For self-employed professionals and non-professionals, an interest rate of 8.90% will be levied on home loan that amount up to Rs.75 lakh. For amounts that exceed Rs.75 lakh, an interest rate of 9.05% will be incurred.
    • Women borrowers will have a reduction of 5 bps for interest rates on loan amounts that do not exceed Rs.30 lakhs. Nevertheless, there are certain conditions applied by the bank in order to avail this discount in interest rates.

    Eligibility to Avail the Tata Capital Home Loan

    • Salaried individuals that work for reputed companies
    • Self-employed professionals
    • Self-employed non-professionals
    • Businessmen
    • Borrowers must take home a sufficient income, proportionate to the loan amount they wish to avail
    • Borrowers should be above 24 years of age
    • You should be below 65 years of age or superannuation (for salaried individuals) whichever is earlier at the time of maturity of the loan

    Documentation Required for Tata Capital Home Loan

    Document Salaried Self Employed Professional Self Employed Non-Professional / Businessman
    Photograph YES YES YES
    Residence Proof YES YES YES
    Application YES YES YES
    ID Proof YES YES YES
    Pay Slip YES No No
    Form – 16 YES No No
    Latest Bank statement YES YES YES
    Education Proof No YES YES
    Business existence No YES YES
    Last 3-year ITR of individual No YES YES
    Last 3-year ITR of profession No YES YES
    Last 3-year P/L statement No YES YES
    Last 3-year Balance sheet No YES YES
    Business Profile No No YES

    Factors on which the Tata Capital Home Loan Interest Rate Depends Upon:

    • Applicant’s Salary: The income of an applicant is one of the factors that determine the interest rate the customer has to incur. These are inversely proportional to each other. Higher the Income, lower the interest rate the applicant has to pay.
    • Amount of the Loan: The interest rate also depends on the loan amount. The higher the loan amount, the interest rate becomes higher as well.

    Tips to Reduce Tata Capital Home Loan Interest Rate

    • Shorter Tenure: The interest rate is affected by the tenure of the loan. The shorter the tenure, the lower the total interest paid. However, the EMIs paid will be higher.
    • Increase EMIs: Increasing the amount of EMI paid will not only reduce the overall interest paid, but will also enable you to pay off the loan faster.
      

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    TATA Capital Home Loan Interest Rates Reviews

    • Tata capital Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      TATA capital wonâ??t inform about any offers and facilities. My builder has told me to apply the loan with Home loan. I have applied the loan different banks where my builder has a tie up in that TATA was provided me a less interest rate hence i have chosen them. The given interest rates are nominal which is 8.99% and overall TATA capital is okay.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Jul 04, 2019
    • Tata capital
      Tata capital Home Loan
      "Not happy with service"
      0.5 2.0/5 "Expected more"
      My housing loan was taken with TATA CAPITAL .My home loan experience was good with TATA CAPITAL, the loan amount was satisfactory and they followed up on time. But my experience with this institution is not is good they need to improve more . I got loan on time.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 13, 2019
    • Tata capital Home Loan
      "Interest should be economy"
      0.5 4.0/5 "Great!"
      My first home loan with Tata Capital that experience was good but the interest is higher side. I took the loan amount of Rs.10 lakhs for ten years of duration. They do have balance transfer, part payment, foreclosure option. They give me emi loan reminder before the due date.
      Was this review helpful? 2
      , hyderabad
      Reviewed on May 02, 2019
    • Tata capital Home Loan
      "Highly impressive work"
      0.5 5.0/5 "Blown Away!"
      My home loan was taken with TATA CAPITAL . They taken just one month for sanctioning the loan . They allotted one person to me , they had completed all the formalities and procedure . That person not allowed me to come out of the house. Also he delivered the house loan cheque to my home .
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 28, 2019
    • Tata capital Home Loan
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      It was a pretty smooth process with Tata capital for the home loan. The customer services are good and they were responsive through the process. The rate of interest is 8.35% fixed for seven years. After which the interest rate would be as per the RBI rule. The processing fee was normal, it is of 5 to 10K.
      Was this review helpful? 3
      , pune
      Reviewed on Apr 16, 2019
    • Tata capital Home Loan
      "Very good experience"
      0.5 4.0/5 "Great!"
      I have taken home loan from Tata Capital , they gave me the interest around 9% its a floating one. Initially my interest was 8.35% but within six months of time they reversed the higher interest. Anyway the process was easy. The field executive came to my place and collected the paper for the verification, it was simple. I got the loan amount within 8 months.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 15, 2019
    • Tata capital Home Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this Home loan a long time back and the process in getting this loan was quite good. It did not took much time and the loan amount which they had disbursed was sufficient. The interest rate with them has been nominal and the charges where also less.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 21, 2019
    • Tata capital Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my housing loan with Tata capital for long time.The loan amount which they have charged me was sufficient, and the rate of interest they have charged me is up to 9.25% which was nominal, the processing fee they have charged was nominal,still this loan is running.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 18, 2019
    • Tata capital Home Loan
      "They need to be more transpernt"
      0.5 1.0/5 "Really Bad"
      My home loan was taken with TATA CAPITAL . They need to be more transparency . The loan amount what they gave was satisfactory . They charge nominal rate of interest . But i am not happy with home loan services i got some issue while taking the loan .
      Was this review helpful? 5
      , new delhi
      Reviewed on Mar 02, 2019
    • Tata capital Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my home loan with Tata capital.The loan amount which they have given me was sufficient,and the rate of interest which they have charged me was nominal,the rate of interest is not fixed ,it varied according to the market value, they have charged me processing fee which was nominal,still this loan is running.
      Was this review helpful? 3
      , new delhi
      Reviewed on Feb 04, 2019
    • Tata capital Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been holding my home loan with tata capital, they have given me sufficient loan amount and the rate of interest they have charging me was nominal for me they have charged me up to 9.6% and they have charged me processing fee or not i have no idea,there is some issue in electronic emi, like i have paid the emi due but still it is not showing in the transaction, there customer service is not up to the mark, need to concentrate with electronic devise, so that there will be no mis understanding .
      Was this review helpful? 3
      , hyderabad
      Reviewed on Jan 21, 2019
    • Tata capital Home Loan
      "Good housing loan "
      0.5 4.0/5 "Great!"
      In this housing loan they have given 10% as the rate of interest, its for 20 years tenor i have taken, documentation part mostly i have did it in the online itself which are all major documents but for signature in hard copy they came and collected from me, it was hassle free at the time of fund transfer.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Dec 11, 2018
    • Tata capital Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my home loan with Tata capital, they have given me sufficient loan amount and the rate of interest they have charging me was up to 8.35% on initial but now it is 8.50% or approx to that and it was nominal for me and they have charged me processing fee it was nominal and i have applied this loan a year ago and i took for 20 years as tenure period.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 18, 2018
    • Tata capital Home Loan
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      I now done a transfer of my home loan to Tata capital. The customer services and response is really good. The process was very much easy to get the loan and the after loan experience is fine too. The rate of interest and processing charges is also good.
      Was this review helpful? 8
      , bangalore
      Reviewed on Aug 18, 2018
    • Tata capital Home Loan
      "Good Health insurance policy"
      0.5 4.0/5 "Great!"
      I never called up the customer care services. The health insurance is provided by my company. My company only will pay the premium amount. The hospital listed provided in this insurance policy. Cashless treatment is available. I an claim maximum of 1.5 lakhs. I have taken this policy for my family.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 29, 2018
    • Tata capital Home Loan
      "So far so Good"
      0.5 2.5/5 "Just OK"
      Whenever the interest fluctuation, they wont inform me. Whenever I'm going to do for balance transfer, that time they will reduce the interest rates. I'm paying the EMI of Rs. 37000 per month. I have applied the loan amount of Rs. 34 lakhs but i have received the amount of Rs. 24 lakhs. I'm not much aware of the interest rates. The processing is fee little bit high.
      Was this review helpful? 7
      , noida
      Reviewed on Jun 14, 2018
    • Tata capital Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience with TATA CAPITAL was very good, the process was smooth and i received my loan amount on time. The loan amount was for Rs 13.5 lakhs with 9.85% interest which is nominal in the market. The tenure period for this loan is for 18 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 10, 2018
    • Tata capital Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The customer support service and the response is not up to the mark with the TATA CAPITAL. I have got the home loan from the TATA CAPITAL around 5years ago. I use to pay the EMI on time but still they are showing that I have paid the EMI after the due date. This has affected my credit score.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 04, 2018
    • Tata capital Home Loan
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have my home loan with TATA CAPITAL for about 5 years . The loan amount was 43 lakhs and the Interest rate was 8.26% which is average in the market . I am satisfied with the quick process and smooth documentation.They have sanctioned the loan well within the time scales too.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 02, 2018
    • Tata capital Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my home loan with TATA CAPITAL for about 3 years . The loan amount was 28 lakhs and the interest rate was 8.35% which is average in the market. The executives were helpful and the loan process was smooth .They have provided door step service for collecting documents.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 14, 2018
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