Tata Capital offers home loans with interest rates starting from 8.70% p.a., providing loan tenures of up to 30 years and financing up to 90% of the property’s value. Tata Capital’s home loan solutions cater to various needs, including purchasing, constructing, or renovating residential properties.
The company also offers a home loan balance transfer facility for borrowers looking to switch from other lenders at better rates, along with top-up loan options for additional financial needs. With benefits such as easy documentation, quick processing, and flexible repayment plans, Tata Capital Home Loans are designed to suit the financial requirements of both salaried and self-employed individuals.
Tata Capital Home Loan Highlights
Interest Rate*
8.75% p.a. onwards
Loan Amount
Rs 5 lakh- Rs 5 crore
Loan Tenure
Up to 30 years
Processing Charges
Up to 2% of loan amount
Minimum Monthly Income
Rs 30,000
Types of Home Loans
Type of Home Loan
Purpose
LTV Ratio
Tenure
Special Features
Home Loan
Purchase, Construction, Renovation, Extension
Up to 90%
Up to 30 years
Flexible repayment options, No pre-payment charges, Option for top-up loans
Home Loan Balance Transfer
Transfer existing home loan balance from another lender
Up to 90%
Up to 30 years
Lower interest rates, No pre-payment charges, Top-up loan facility
Home Loan for NRIs
Purchase, Construction, Renovation
Up to 90%
Up to 20 years
Special schemes for NRIs, Flexibility in repayments, Tax benefits
Home Improvement Loan
Renovation and Repairs
Up to 90%
Up to 15 years
Quick disbursal, No pre-payment charges, Flexible repayment options
Top-Up Loan
Additional funds on existing home loan
Up to 90%
Up to 20 years
Additional loan amount on existing home loan, Lower interest rates, Quick processing
Age Proof: Copy of passport, Birth Certificate, Life Insurance Policy, Driving License, PAN card, School Leaving Certificate
Income Proof: Copy of salary slip for past 3 months, salary bank account statement for past 6 months, yearly increment letter, appointment letter, certified true copy of Form 16
Processing fee cheque to be issued from your salary account
Bank statements or loan statements for existing loan details
For Self-employed Individuals
ID Proof: Copy of Voter ID, PAN card, Driving License, Passport, Aadhar Card
Age Proof: Copy of passport, Birth Certificate, Life Insurance Policy, Driving License, PAN card, School Leaving Certificate
Business Proof: ITR for last 2 years, business profile on a letterhead, or Business Registration Certificate for commencement of business
Income Proof: Current statement of an operative bank account for last 6 months, Profit and Loss Projection Statement for last 3 years, Bank statement of CC/OD facilities (if taken) for past 6 months
Processing fee cheque issued from the business account of the applicant
Details of existing loans provided through loan statements or bank statements
How to Apply for a Home Loan at Tata Capital?
Fill Online Form Access Tata’s online home loan application. It should take approximately 10 to 15 minutes to complete.
Upload Documents Upload self-attested copies of the required documents. Upon receipt, we will begin the verification process.
Expert Inspection Experts will inspect the property and provide on-spot approval for your house loan.
Loan Disbursal You will receive the loan amount in your bank account within 3 to 5 working days.
Tata Capital Home Loan Interest Rates vs Other Banks & HFCs
