A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Tatacapital NRI Home loan

    Tata Capital NRI Loans are offered with flexible repayment options, lesser documentation without any hassles. From attractive interest rates, higher loan amount and flexible tenure, the NRI home loan from Tata Capital enables you to choose a home loan from outside of India.  

    Interest Rates for Salaried 

    Particulars  Salaried 
    NRI Home Loan Interest Rates  Starts at 9.00% p.a. 
    Loan Tenure  Up to 10 years 
    Loan Amount  Rs.2 lakh – Rs.10 crore 
    Processing Fees  Up to 1.50% 

    Additional Charges and Fees 

    Particulars  Charges 
    Pre-closure Charges  Up to 1.50% 
    Part Payment Charges  Nil (up to 25% of the principal outstanding in a year) 
    Processing Fee  Up to 1.50% 
    Delayed EMI Payments  2% over the prevailing interest rate 
    Collection Agency  On actual 
    Legal Charges  On actual 


    To avail the Tata Capital NRI Home Loan, you’ll have to be eligible with the below criteria: 

    • Must be a Non-Resident Indian (NRI). 
    • Between the age of 24 and 65 years. 
    • Salaried individual with a minimum of 3 years of work experience. 
    • Minimum salary of Rs.30,000 per month. 


    Tata Capital requires basic documents to review and extend an NRI Home Loan to you. Below is the list of documents for your reference: 


    • Application form. 
    • Photograph 
    • Proof of identity 
    • Proof of residence 
    • Latest salary slip 
    • Form 16 
    • 6-month bank statement 
    • Copy of valid passport reflecting VISA stamps 
    • Copy of valid work permit/VISA/document reflecting the NRI status of the applicant. 
    • The latest copy of contract confirming the salary certificate/salary/wage slip (latest W2 for the US, latest P60 or IT returns for the UK, latest IR8 for Singapore, work contract for Bahrain and UAE, latest B4 for Hong Kong). 
    • Overseas bank account statement for 6 months reflecting credits of your salary (if you have a local NRE/NRO account, the account statement is a must). 
    • Proof of address (POA), financial documents (bank statement and salary slip) and KYC should be attested by the Consulate or Notary Public of the respective country where you reside. 

    Features of the Loan 

    Tata Capital extends its NRI home loans with several features and benefits, there are: 

    • Attractive rate of interest starting from 9.00% p.a. 
    • The loan amount ranges between Rs.2 lakh and Rs.10 crore. 
    • Flexible tenure of up to 120 months or 10 years. 
    • Customised loan options. 
    • Quick and easy processing of the loan with little documentation. 
    • For a fixed amount of Equated Monthly Installments (EMIs), you can choose the tenure that meets your requirement. 
    • Prepay option after meeting certain terms and conditions. 
    • Pay through auto debit or ECS facility. 
    • Also, choose to pay through postdated cheques (PDC), in exceptional cases. 
    • EMI Options: Standard (EMI remains static for the entire tenure) and Flexi (Lower EMIs at the start of the loan tenure and increases as your salary grows). 


    1. What are the benefits of the Tata Capital NRI home loans? 

      Tata Capital offers housing loans to NRIs with the following benefits: 

      • Attractive rate of interest. 
      • Flexible EMI options. 
      • Customisation of your housing loan. 
      • Experienced and dedicated team. 
    2. Will the processing fee be refunded? 

      Tata Capital’s processing fee towards the NRI home loan is non-refundable as it incurs expenses as the process includes verification of your application, documents, assessing your eligibility, etc. 

    3. What are the minimum and maximum time frame allowed by Tata Capital to repay the NRI home loan? 

      Tata Capital allows a minimum of 12 months (1-year) and a maximum of 120 months (10 years). 

    4. What’s the minimum and maximum loan amount extended by Tata Capital for the NRI home loan? 

      Tata Capital offers a minimum of Rs.2 lakh and a maximum of Rs.10 crore under the NRI home loan. 

    5. What’s the rate of interest offered by Tata Capital towards the NRI home loan? 

      The rate of interest for the Tata Capital NRI Home Loan starts from 9.00% p.a. 

    6. Am I eligible for a Tata Capital NRI housing loan? 

      To be eligible for the NRI home loan offered by Tata Capital, you need to be a Non-Resident Indian (NRI) and should between the age of 24 and 65 years (at the time of the completion of the home loan). A salaried individual should have at least 3-years of work experience.

    7. What are the flexi EMI plans offered by Tata Capital under the NRI home loan? 

      Tata Capital offers two types of mode to pay your EMIs: Standard EMI Plan and Step-up Flexi EMI Plan. Under the Standard EMI Plan, you pay a fixed EMI for the entire home loan tenure, while under the Step-up Flexi EMI Plan, you pay lower EMI at the start of the loan tenure and increase it as your salary increases. 

    8. How can I apply for a Tata Capital NRI home loan? 

      You can apply for an NRI home loan through Tata Capital’s online portal, or you can call their customer care (Toll-free number: 1800 209 6060) from Monday to Saturday between 8:00 a.m. and 7:00 p.m., or you could visit Tata Capital’s nearest branch to apply for a loan. 


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