Tata Capital Home Loan

Note: Last updated on 7th January 2026

Tata Capital Home Loan Interest Rates

Tata Capital Home Loan interest rates for Paisabazaar applicants start 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

Apply for Tata Capital Home Loan at Attractive Interest Rates Click Here

Tata Capital Home Loan Processing Fees and Charges

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

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 The interest is incurred only on the amount withdrawn till their repayment.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 offered by Tata Capital Housing Finance

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

Compare Home Loan Schemes Offered by Top Lenders Compare Now

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

Apply for Tata Capital Home Loan at Attractive Interest Rates Click Here

Tata Capital Home Loan EMI Calculator

FAQs on Tata Capital Home Loan

1. How can I apply for Tata Capital Home Loan online?
Ans. You can visit the official website of Tata Capital and fill in the online home loan application form provided there. Alternatively, you can also click here to make online home loan application with Tata Capital while comparing the home loan interest rate offered by some of the top lenders based on your credit profile.

2. Who can be my co-applicants for Tata Capital home loan?
Ans. Your spouse, children, parents and siblings can be the co-applicants of your Tata capital Home Loan.

3. What is the minimum credit score required to avail Tata Capital Home Loan?
Ans. Tata Capital requires home loan applicants to have credit scores of about 750 and above.

4. Can I foreclose my home loan availed from Tata Capital?
Ans. Yes, you can foreclose the home loan availed from Tata Capital. No prepayment charges are levied on making home loan prepayments.

5. Can I cancel the sanctioned home loan from Tata Capital?
Ans. 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.

6. What is the turnaround time for the sanction of Tata Capital Home Loans?
Ans. 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.

7. Can I increase my Tata Capital Home Loan tenure?
Ans. 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. Request for tenure increases are considered as loan restructuring and credit bureaus consider loan restructuring as a negative credit event. This leads credit bureaus to reduce the credit score of those opting for loan restructuring.

Instead, existing home loan borrowers should opt for Home Loan Balance Transfer facility to transfer their existing home loan to other lenders at lower interest rates and thereby, reduce their home loan EMIs. Such borrowers can also opt for longer tenure, if eligible, while transferring their home loan.