Tata Capital Loan Against Property

TATA Capital Loan Against Property Highlights
Interest Rate	9.00%-17.00% p.a. (floating) 13.00%-17.00% p.a. (fixed)
Tenure	Up to 20 years
Loan Amount	Up to Rs 10 crore
Processing Charges	Up to 1.25% of the finance amount

Note: Rates as of 21 August 2025

TATA Capital Loan Against Property Interest Rates

TATA Capital Loan offers loan against property starting @ 9.00% p.a. The loan against property interest rates offered to the applicants depends upon age, monthly income, job profile, employer’s profile, credit score, loan repayment history, etc.

Particulars	Interest Rates (p.a.)
Tata Capital Loan Against Property (Floating)	9.00%-17.00%
Tata Capital Loan Against Property (Fixed)	13.00%-17.00%
LAP Hybrid Term Loan	10.10% onwards
LAP Top-Up	9.00% onwards
LAP Balance Transfer	9.00% onwards

Types of TATA Capital Loan Against Property

Loan Against Property

Purpose: Applicants can avail loan against property to meet personal and business needs, working capital for business, renovation of the property, investments, asset acquisition, consolidation of debt, mortgage buyout, refinance of self-financed property and much more.

Loan Amount: Up to Rs 10 crore

Tenure: 1 year to 20 years

Loan Against Property – Hybrid Term Loan

Purpose: Applicants can avail Hybrid Term Loan facility to meet renovation of the property, medical emergency and any other expenses.

Loan Amount: Rs 10 lakh – Rs 5 crore

Tenure: Up to 15 years

Loan Against Property – Top Up Facility

Purpose: Tata Capital offers the LAP Top Up facility to its existing borrowers over and above the existing mortgage loan. Borrowers can avail loan of 100% or above of the current loan amount to meet home renovation expenses, medical emergencies and any other personal needs.

Loan Amount: Rs 1 lakh – Rs 3 crore

Tenure: Up to 15 years

Loan Against Property – Balance Transfer

Purpose: This loan facility allows existing LAP borrowers to transfer their LAP availed from other lenders to Tata Capital at lower interest rates. The borrowers are also eligible for top up loan facility.

Loan Amount: Rs 10 lakh – Rs 10 crore

Tenure: Up to 20 years

Compare Interest Rates on Loan Against Property for Top Banks & HFCs

Name of the Lender	Interest Rate (% p.a.)
State Bank of India	9.20-10.50	Apply Now
Bank of Baroda	10.85-18.35	Apply Now
PNB Housing Finance	9.25-15.00	Apply Now
IDFC First Bank	9.00-16.50	Apply Now
HDFC Bank Limited	9.50-11.00	Apply Now
L&T Housing Finance	9.50 onwards	Apply Now
LIC Housing Finance	9.50-11.55	Apply Now
Godrej Housing Finance	9.75 onwards	Apply Now
ICICI Bank	10.85-12.50	Apply Now
Tata Capital	9.00 onwards	Apply Now
Axis Bank	10.50-10.95	Apply Now
Punjab National Bank	10.15-14.00	Apply Now

TATA Capital Loan Against Property Fees & Charges

Processing fees:

Particulars	Charges Applicable
Residential and Commercial properties (HE)	1% to 3% of finance amount + GST
Rest all other properties (HE Plus)	1.25% to 3% of finance amount + GST
Mint Loan	1.25% to 3% of finance amount + GST

Foreclosure & Part Payment Charges:

Particulars	Foreclosure Charges within 12 months of Disbursement	Foreclosure Charges after 12 months of Disbursement	Part Prepayment Charges (For Term Loan)
Charges for end use other than business (floating rate scheme)	NIL	NIL	NIL
Charges for end use as business (floating rate scheme)	6% of the principal outstanding	4% of the principal outstanding	Up to 25% of the sanction amount – NIL   More than 25% of the sanctioned amount for any pre- payment taking place during the repayment tenure – 4% on the amount prepaid in excess of 25% of the sanctioned amount
Irrespective of the end use (fixed rate scheme)

Lock-in period: 12 months

After 12 months, part prepayments of up to 25% of the principal outstanding are permitted throughout the duration of the loan term, with payments paid in two tranches at the maximum.

Penal Interest/Additional Interest

3% on the overdue amount per month + GST

Miscellaneous Charges

Charges Type	Charges Applicable
Bounce Charges	Rs 2000 + GST
Mandate Rejection Service Charge	Rs 450 + GST
Annual Maintenance Charges – Dropline Facility	Rs 10,000 + GST
Annual Maintenance Charges – Term Loan Facility	Rs 2,000
Application Fees	Up to Rs 1 crore – Rs 3,000 + GST
	Above Rs 1 crore – Rs 5,000 + GST
Statement of Accounts	Soft Copy – Nil
	Branch walk-in – Rs 250 + GST
Foreclosure Charges	4% of outstanding principal + GST
Foreclosure Charges for Top Up	4% of outstanding principal + GST
Foreclosure Charges in CCOD Cases	4% of the Dropdown Limit amount + GST
Loan Cancellation Charges	Rs 25,000 + GST
Legal & Technical Charges	Up to Rs 1 crore – Rs 6,000 + GST per property
	Above Rs 1 crore – Rs 11,000 + GST per property
Foreclosure within Lock-In Period	Lock-in period charges (Prevailing ROI x Principal Outstanding as on date of Foreclosure x Balance Lock-in) + Foreclosure charges (4%) + GST
Switch Fee Charges (for interest rate reduction)	0.15% of the principal outstanding

Eligibility Criteria of TATA Capital Loan Against Property

For Salaried Individuals:

• Segment: Working in Public Ltd.Co/MNC/Large Pvt. Ltd. Co./State Govt/Central Govt./PSU
• Minimum Age: 23 years
• Maximum Age: 65 years or the age of retirement, whichever is earlier at loan maturity
• Occupational Stability: Minimum 3 years
• Minimum Monthly Net Income: Rs 15,000

For Self Employed Professionals

• Segment: Doctors, Chartered Accountants, Architects
• Minimum Age: 23 years
• Maximum Age: 70 years at loan maturity
• Income p.a.: Rs 2.5 lakh
• Occupational Stability: Minimum 3 years

For Self Employed Non Professionals (Individuals)

• Segment: Traders, Retailers and Wholesalers
• Minimum Age: 25 years
• Maximum Age: 70 years at loan maturity
• Income p.a.: Rs 2.5 lakh
• Occupational Stability: Minimum 3 years

For LAP Balance Transfer

• Segment: Traders, Retailers and Wholesalers
• Minimum Age: 25 years
• Maximum Age: 65 years at loan maturity
• Minimum Monthly Net Income for salaried applicants: Rs 15,000
• Income p.a.: Rs 2.5 lakh
• Occupational Stability: Minimum 3 years

Documents Required for TATA Capital Loan Against Property

For Salaried Individuals

• Application form to initiate the loan against property request
• Photograph
• Photo Identity Proof: Copy of Aadhaar Card/Voter ID/Driving License/Passport
• Address Proof: Copy of Electricity Bill/Ration Card/Passport
• Signature Verification
• Income Proof (Form 16 for the last 2 years and bank statements copy for the last 12 months)
• Copy of last 3 months salary slips

For Self Employed Professionals/Self Employed Non-Professionals (Individuals)/Non-Individuals

• Application form to initiate the loan against property request
• Photograph
• Photo Identity Proof: Copy of Aadhaar Card/Voter ID/Driving License/Passport
• Address Proof: Copy of Electricity Bill/Ration Card/Passport
• Siganture Verification
• Income Proof (Income Tax Return, Balance Sheet, Profit & Loss and a copy of bank statements for the last 12 months)

Apart from the above-mentioned documents, Tata Capital may also ask for additional loan aganist property documents of the loan applicants based on their credit profiles.