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  • Tata Capital Home Loan

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  • TATA Capital offers affordable housing loans at attractive interest rates starting from 9.25% p.a. and EMI per lakh from Rs.823. You can avail a maximum loan amount of Rs.5 crore on extended loan tenures up to 30 years. The processing fee is up to 2% of the loan amount plus applicable taxes.

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    We found 1 Tata Capital Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.75% - 8.85% Floating
    - One time fee
    ₹3Crs Max
    30 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good To Know

    Tata Capital Home Loan Details

    With Tata Capital, you get home loans at competitive rates and special guidance throughout the process. Here’s a snapshot of the salient features of their housing loan schemes:

    Updated as per Latest Rates on 21 Jul 2019
    Reference Rate 17.45%
    Loan Amount Minimum: Rs.2 lakh, Maximum: Rs.5 crore
    Processing Fees 0.5% to 1%
    Penal Interest Rate Extra 2% on applicable rate for the duration of delay
    Prepayment/Foreclosure?Charges NIL for own-source payments
    2% for non-individuals and balance transfer on fixed-rate
    Max Tenure 30 Years
    Rate?Packages Available Floating/Fixed

    Taking a home loan is a huge commitment. And getting into such a commitment means that you should know all the conditions and additional fees and charges associated with your home loan. Make sure you know all these details before applying for a home loan.

    Tata Capital Home Loan Interest Rates

    The table below contains the current interest rates of home loans offered by Tata Capital:

    Tata Capital Home Loan?Schemes Interest Rate (p.a.)
    Home Loan 9.25% onwards
    Home Extension Loan 9.60% onwards
    Affordable Housing Loan 9.50% onwards

    Tata Capital Home Loan Schemes

    Tata Capital offers eligible customers home loan at competitive interest rates and longer loan tenures. Below given are the present interest rates, eligibility criteria and documentation required before you apply for home loan.

    Tata Capital Home Loan

    Key Highlights
    • Easy loan application process.
    • Choose between fixed and floating rate.
    • Option to decrease loan tenure during the course of the loan.
    Loan Amount Interest Rates Processing Fee
    Rs.2 lakh to Rs.5 crore Starts at 9.25% p.a. Up to 2% of loan amount

    Tata Capital Home Extension Loan

    Key Highlights
    • Can be availed to extend/expand/alter the structure of an existing property.
    • Simple documentation and flexible EMI repayment options.
    • You are eligible for tax benefits up to Rs.30,000 towards interest paid during a year.
    Loan Amount Interest Rates Loan Tenure
    Min. Rs.1 lakh Starts from 9.60% p.a. 12 to 60 months
     

    Note: The processing fee associated with Tata Capital Home Extension Loans can vary depending on the loan amount being availed.

    Affordable Housing Loan under PMAY Scheme

    Key Highlights
    • Complete legal evaluation of your property.
    • The annual household income should range from Rs.3 lakh to Rs.18 lakh to be eligible.
    • Subsidised interest rates starting from 3%.
    Loan Amount Interest Rates Processing Fee
    Min. Rs.2 lakh Starts at 9.50% p.a. 1% of the loan amount plus applicable charges

    Tata Capital Home Loan Calculator

    Calculate your Equated Monthly Instalments (EMIs) payable towards your housing loan using the BankBazaar EMI Calculator. All you have to do key in a few basic loan parameters such as the loan amount, loan tenure, interest rate, and the processing fee. The automated tool will compute the EMI based on your input and also give you a complete breakup of the total amount you will be paying during the entire tenure.

    The EMI calculator will also provide you with an Amortisation Table illustrating your debt repayments towards the principal and the interest components on a monthly as well as an annual basis during the tenure.

    Tata Capital Home Loan Eligibility Criteria

    Age Employment
    Home Loan – 24 years to 65 years. Salaried – Must be earning at least Rs.30,000 per month with minimum 2 years of work experience.
    Home Extension Loan – 21 years to 65 years. Entrepreneur– A minimum of 3 years of work experience in the current field is required.

    Documents Required for All Home Loan Applicants Under TATA Capital

    Age Proof Photo Identity Proof Address Proof
    • Valid Passport.
    • Driving License.
    • Life Insurance Policy.
    • Birth Certificate.
    • PAN Card.
    • School Leaving Certificate.
    • Voter ID Card.
    • Valid Passport.
    • Driving License.
    • Aadhar Card.
    • PAN Card.
    • Utility Bills.
    • Bank Statements.
    • Property Registration Documents.
    • Property Tax Receipt.
    • Voter ID Card.

    Income Proof:
    For Salaried Individuals For Self-Employed Individuals
    • Salary Sips or Salary Certificate for the last 3 months.
    • Appointment Letter/Annual Increment Letter.
    • Certified original copy of the latest Form 16.
    • Salary account bank statement showing salary credits for the last 6 months.
    • Balance Sheet and Profit & Loss account statements for the last 3 assessment years.
    • Current account statement for the last 6 months.
    • If CC/OD facilities have been availed, bank account statement for the last 6 months.

    Other Documents:
    • Business Proof for self-employed individuals: IT Returns for the last 2 years; Business Profile; Business Registration Certificate.
    • Loan account statement indicating repayments in the case of any ongoing loans.
    • Duly filled loan application form affixed with passport size photographs of the applicants/co-applicants.
    • Processing fee cheque from the borrower’s account (Salary account in the case of salaried borrowers or business account in the case of self-employed borrowers).
    TATA Capital Home Loan FAQs
    1. Who can avail a home loan from Tata Capital?

      You can apply for a Tata Capital housing loan if you are looking to:

      • Purchase a new house/flat.
      • Purchase a residential plot and build a house on it later.
      • Remodel your existing property.
      • To add/extend your existing house/apartment.
    2. What is the maximum loan tenure offered for repayment of the loan?

      You can extend your loan term up to 30 years to repay your debt comfortably.

    3. Is the processing fee refundable?

      No, the processing fee is a one-time expense incurred by the bank to process your loan application. The fee will be non-refundable whether your loan application has been approved or not.

    4. What are the various loan repayment options offered by Tata Capital?

      You can repay your Tata Capital loan through:

      • Electronic Clearance Services (Your EMIs will be debited from your loan account).
      • Post Dated Cheques.
    5. Can I opt for fixed rate housing loans?

      Yes, you can choose a fixed rate home loan for the first three years of the loan repayment tenure. Once the 3-year period is complete, your loan will be automatically converted to floating rate type with your consent.

    6. How can I reduce the loan tenure on my loan?

      You can bring down the loan term either by making prepayments towards your home loan or by increasing your payable Equated Monthly Instalments (EMIs).

    7. How can I obtain my home loan statement?

      You can get your home loan statement by visiting the customer portal which you can log in to by entering the details provided in the welcome letter offered by the lending institution. You can also obtain the Provisional Interest Certificate in the same manner.

    8. Who can be co-applicant while applying for the loan?

      An immediate family member such as your spouse, parents, children or siblings can be made a co-applicant while applying for a home loan. All co-owners of the property must be co-applicants for the loans. However, co-applicants need not be co-owners of the property.

    9. How long will it take for TATA Capital to sanction my loan application?

      In the case of salaried applicants, TATA Capital can take up to 4-5 days to sanction your home loan application. On the other hand, the loan sanction period for self-employed applicants is 7-8 days. Once the lending institution has processed your loan application, you will receive a loan sanction letter confirming your eligibility for the loan.

      

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    Tata Capital Home Loan 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? 0
      , 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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