Paisabazaar Logo - Compare loans and credit cards

Tata Capital Home Loan

Tata Capital Housing Finance Limited offers home loans starting from 7.75% p.a. for tenures of up to 30 years and for loan amount of up to Rs 7.5 crore. The lender offers special Affordable Housing Loan scheme to applicants belonging to low and middle income groups. Government employees, self-employed individuals and women applicants can also avail special home loan schemes offered by Tata Capital for purchase and construction of their houses.

Check Home Loan Offers Online

google-play-icon

Google Play Store

4.5/5

15.5L Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Paisabazaar Exclusive Benefits

Icon image of Competitive Interest Rates

Competitive Interest Rates

Starting 7.75% p.a.

Icon image of Handpicked Home Loan Offers

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

Icon image of Dedicated Customer Support

Dedicated Customer Support

Expert Assistance at Every Step

Icon image of Transfer Balance & Get a Top-Up Easily

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

Illustration

Home Loan EMI Calculator

₹
₹50 L
₹80 L
₹100 L
₹500 L
₹1000 L
50K15Cr
%
6%30%
1Y 30Y

Your Monthly EMI Payment

₹0
Principal Amount₹0
Interest Amount₹0
Total Amount₹0

Find Best Home Loan Offers

Sort by:

HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
IDFC First Bank
Max Loan Amt.Upto ₹10Cr
Rate of Interest8.85% - 18%
Tenure uptoUpto 30 Years
Processing FeeUpto 3%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Curated Offers from <strong>Multiple Lenders</strong>

Curated Offers from Multiple Lenders

image of Highest <strong>Loan Approval Chances</strong>

Highest Loan Approval Chances

image of Easy & Transparent <strong>Borrowing Process</strong>

Easy & Transparent Borrowing Process

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Tata Capital Home Loan Highlights

Interest Rate 7.75% p.a. onwards
Loan Amount Rs 5 lakh- Rs 7.5 crore
Loan Tenure 5 years to 30 years
Processing Charges Up to Rs 10,000
Minimum Monthly Income Rs 30,000

Note: Last updated on 8th January 2026

Tata Capital Home Loan Interest Rates

Tata Capital offers home loan interest rates starting from 7.75% p.a. onwards. However, the lender has not specified its differential interest rates based on the credit score, employer’s profile, repayment history, job profile, monthly salary, etc. However, HFC may consider the above factors, just like other lenders do while setting their home loan interest rates.

Compare Tata Capital Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Axis Bank 8.35% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.75% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.65% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.70%* p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.

*when applied through Paisabazaar

Rates as of 12th January 2026

Tata Capital Home Loan Processing Fees and Charges

Processing fees For Salaried applicants: Rs 5,000For Self-employed applicants: Rs 10,000
Foreclosure charges No charges for paying off a loan through own fund
Delayed EMI payments 2.36% p.m. on the defaulted amount
Legal charges On Actuals
Collection agency On Actuals
Cheque dishonour charges/rejection of NACH/ECS mandate
 Rs 700 for every instance

Also know the processing fees for home loans charged by top banks and HFCs.

Get a Home Loan For
Your Dream Home

Types of Tata Capital Home Loan

Tata Capital Home Loan

  • Purpose: Tata Capital Housing Finance provides Home Loans to salaried individuals, self-employed professionals and entrepreneurs for the purchase of new property.
  • Loan Amount: Rs 5 lakh to Rs 7.5 crore
  • Tenure: 5 years to 30 years

Tata Capital Home Extension Loan

  • Purpose: Tata Capital Housing Finance offers Home Extension Loans to its applicants for extension of their existing homes.
  • Loan Amount: Rs 2 lakh-Rs 5 crore
  • Tenure: Up to 30 years

Tata Capital Affordable Housing Loan

  • Purpose: Tata Capital Affordable Housing Loan Scheme is a special home loan scheme offered to low or middle-income groups for purchasing their own houses.
  • Loan Amount: Rs 2 lakh onwards
  • Tenure: Up to 30 years

Tata Capital Home Loan Overdraft

  • Purpose: Tata Capital offers Home Loan Overdraft facility to the existing home loan borrowers of Tata Capital to arrange funds for their personal or business requirements. The home loan borrowers can withdraw funds from the linked home loan overdraft account within the sanctioned overdraft limit and can make repayments as per their cash flow position. The interest is incurred only on the amount withdrawn till their repayment.
  • Loan Amount: Rs 5 lakh-Rs 2 crore
  • Tenure: Up to 15 years

Tata Capital Home Loan for Self-Construction

  • Purpose: Consumers can avail Tata Capital Home Loan for Self-Construction for constructing their houses on plots already owned by them.
  • Loan Amount: Rs 5 lakh-Rs 5 crore
  • Tenure: Up to 30 years

Tata Capital Home Loan Quick Cash

  • Purpose: Tata Capital Housing Finance offers a Home Loan Quick Cash facility, a pre-approved personal finance top-up, to its existing home loan borrowers. With this facility, the borrower can take an additional loan over and above the existing home loans. Both offline and digital modes are available.
  • Tenure: Up to 7 years

Tata Capital Home Loan Balance Transfer

Purpose: Existing home loan borrowers of other banks and HFCs can avail Tata Capital Home Loan Balance Transfer facility to transfer their existing home loans to Tata Capital at lower interest rates.

Tata Capital Home Loan Top-up

Purpose: Tata Capital Housing Finance offers Home Loan Top-up facility to its existing home loan borrowers wherein the borrower can take additional loans over and above the existing home loans.

Other Home Loan Products

Tata Capital Home Loan for Government Employees

  • Purpose: Employees of the Central/State government can avail Tata Capital Home Loan for Government Employees for purchasing or constructing their houses.
  • Loan Amount: Rs 5 lakh-Rs 5 crore
  • Tenure: Up to 30 years

Tata Capital Home Loan for Self-employed

  • Purpose: Self-employed individuals can avail home loan to purchase or construct their houses.
  • Loan Amount: Rs 5 lakh-Rs 5 crore
  • Tenure: Up to 30 years

Tata Capital Home Loan for Women

  • Purpose: Tata Capital Housing Finance offers Home Loan for Women (working or housewives) to finance the purchase or construction of their houses.
  • Loan Amount: Rs 5 lakh-Rs 5 crore
  • Tenure: Up to 30 years

Tata Capital Home Loan Eligibility Criteria

Tata Capital Home Loan eligibility is assessed based on the job profile, credit score, monthly income and work experience of its applicants. The home loan eligibility criteria set by Tata Capital Housing Finance are mentioned below:

  • Indian Residents/NRIs/PIOs
  • Job Profile: Salaried or Self Employed
  • Minimum age: 21 years
  • Maximum age: 65 years
  • CIBIL/Credit Score: 750 and above
  • Minimum Monthly Income: Rs 30,000 for salaried
  • Work Experience: Minimum 2 years for salaried applicants, 3 years for self-employed

Eligibility Criteria for Tata Capital Affordable Housing Loan

  • The applicant should not own a pucca house in his/her name anywhere across the country
  • If the applicant is married, both spouses will be eligible for a single Affordable Housing Loan in joint ownership.
  • The applicant should not have availed central assistance under any State/Central Government housing scheme.

Tata Capital Home Loan Documents Required

Below mentioned is the detailed list of home loan documents required to avail Tata Capital Home Loan:

For Salaried Individuals

  • ID Proof: Copy of Voter ID, PAN card, Driving License, Passport, Aadhar Card
  • Address Proof: Property Tax Receipt, Voter ID, Utility Bill, Property Registration Documents, Bank Statement
  • 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
  • Address Proof: Property Tax Receipt, Voter ID, Utility Bill, Property Registration Documents, Bank Statement
  • 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 Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Explore Our Home Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankSBI BankSBI Bank
View All Partners

Get a Home Loan For
Your Dream Home

FAQs

You can visit the official website of Tata Capital and fill in the online home loan application form provided there. Alternatively, you can also apply for Tata Capital home loan through Paisabazaar app.

Your spouse, children, parents and siblings can be the co-applicants of your Tata capital Home Loan.

Tata Capital requires home loan applicants to have credit scores of about 750 and above.

Yes, you can foreclose the home loan availed from Tata Capital. No prepayment charges are levied on making home loan prepayments.

Yes, you can cancel the sanctioned home loan. However, the processing fee paid during loan application will not be refunded. If you wish to cancel the home loan after receiving the sanction letter, you will have to write to the lender. But all this should be done before the loan disbursal.

Tata Capital claims to sanction home loans to salaried applicants within 4-5 days after the application files reach the NBFC’s credit managers. In case of self-employed home loan applicants, the NBFC’s credit managers might take 7-8 working days to sanction the home loan applications.

Tata Capital Home Loan allows its home loan borrowers to increase their loan tenure provided it does not exceed the maximum loan tenure offered by the lender or the retirement age of the borrower. However, doing so may adversely impact the borrower’s credit score and thereby his future loan or credit card eligibility for a long time. 

Home Loan Articles

icon image of Joint Home Loan Benefits

Joint Home Loan Benefits

icon image of Vandana Punj
Vandana Punj18 Jul 2025
icon image of Factors to consider while availing joint home loan

Factors to consider while availing joint home loan

icon image of Paisabazaar
Paisabazaar02 Jun 2025
icon image of Top 5 Reasons for Home Loans Rejections

Top 5 Reasons for Home Loans Rejections

icon image of Paisabazaar
Paisabazaar02 Jun 2025
icon image of Home Loan Overdraft Facility: Benefits and Drawbacks Explained

Home Loan Overdraft Facility: Benefits and Drawbacks Explained

icon image of Paisabazaar
Paisabazaar02 Jun 2025
icon image of Home Loan Processing Fees and Charges

Home Loan Processing Fees and Charges

icon image of Bhumika Khandelwal
Bhumika Khandelwal13 Oct 2024
icon image of Home Loans: Floating vs Fixed Interest Rates

Home Loans: Floating vs Fixed Interest Rates

icon image of Rahul Misra
Rahul Misra01 Jun 2023
icon image of Missed home loan EMI? What will be the consequences?

Missed home loan EMI? What will be the consequences?

icon image of Team PaisaBazaar
Team PaisaBazaar18 May 2023
icon image of 3 Tips to Help You Close Your Home Loan Early

3 Tips to Help You Close Your Home Loan Early

icon image of Vandana Punj
Vandana Punj16 Apr 2023
icon image of Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation

Loan-to-Value (LTV) Ratio: Meaning, Importance and Calculation

icon image of Vandana Punj
Vandana Punj20 Feb 2023
icon image of SBI Realty Home Loan: Interest rates, Eligibility, Documents, Fees & Charges

SBI Realty Home Loan: Interest rates, Eligibility, Documents, Fees & Charges

icon image of Team PaisaBazaar
Team PaisaBazaar20 Jul 2022
View All Articles
quotes icon

What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

icon image of avatar
Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

icon image of avatar
Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

icon image of avatar
Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

icon image of avatar
Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

icon image of avatar
Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

icon image of avatar
Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

icon image of avatar
KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

icon image of avatar
Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

icon image of avatar
Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

icon image of avatar
Soumil KhannaSep 3, 2021
View All Testimonials
Sumit Kumar profile
Written ByLinkedIn icon
Sumit Kumar
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers