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Get Home Loan Online Up to ₹7.5 Crores*

Tata Capital offers housing loans up to ₹5 crores* with an attractive interest rate starting from just 8.75% per year. Enjoy a seamless online application process, minimal documentation, and instant provisional sanction. With loan terms of up to 30 years, Tata Capital ensures your journey to homeownership is smooth and stress-free.

  • Loan amount offered

    Up to ₹7.5 crores*

  • Loan tenure

    Upto 30 years

  • Interest rate starting @

    8.75%* p.a.

    View Rates & Charges

Home Loan EMI Calculator

Calculate the Monthly EMI for Your Home Loan

Loan amount

₹
50,000,000%10,000,000%
₹5,00,000₹5,00,00,000

Loan duration

30%10%
1 Year30 Years
Loan duration
360%120%
12 Months360 Months

Rate of interest

%
12%8.75%
8.75% p.a12% p.a

Monthly EMI

₹1,25,327*

Created with Highcharts 9.0.1Total Amount ​ Payable​₹1,50,39,210*​Total Amount ​ Payable​₹1,50,39,210*Total Interest ​ Payable​₹50,39,210*​Total Interest ​ Payable​₹50,39,210*

  • Total Amount Payable

    ₹1,50,39,210*

  • Total Interest Payable

    ₹50,39,210*

Total Amount Payable

₹1,50,39,210*

Total Interest Payable

₹50,39,210*

Apply Now

Features and Benefits of Tata Capital Home Loan

  • Loan Up to 7.5 Crore*

    Get a loan of up to Rs 7.5 crore* to finance your dream home.

  • Low Interest Rate for Housing Loan

    Low interest rate for housing loan starting at just 8.75% - tailored to YOUR situation for affordable homeownership.

  • Approval in 48 Hours

    Fast and streamlined online application for quick loan approvals - no waiting around!
     

    Tenure Up to 30 Years: Choose a repayment term that works for you - from 5 to 30 years.

  • Easy Application

    Use our handy online calculator to see what you can qualify for upfront, making the application process a breeze.

  • Flexible Financing

    Whether you're looking for a new property, an under-construction dream home, land, or that perfect extension, we've got options for all your needs.

  • Hassle-Free Processing

    Our efficient loan processing gets you funded quickly and smoothly.

  • Co-applicant Benefits

    Co-applicant housing loans enhance eligibility, secure lower interest rates, facilitate loan repayment, and provide higher tax benefits under Income Tax Act sections 24 and 80C.

Home Loan Eligibility Criteria

Step closer to owning your dream home. Tata Capital offers home loans with simple eligibility criteria and a smooth application process. Review the requirements below and take the next step today.
 

Eligibility Criteria Details
Age Specifications Applicants aged 21–65 years are eligible
Income Criteria Stable income required. Use our EMI or home loan eligibility calculator for details.
Loan Tenure 5-30yrs
Employment Profiles Open to salaried employees, self-employed professionals, and entrepreneurs.
Credit Health A good credit score is essential for loan approval, reflecting financial discipline and creditworthiness.

 Documents Required for Home Loan

Availing a home loan requires providing documents to verify your identity, income, and the details of the property. This helps us process your loan smoothly and tailor it to your needs. Here are the documents you need:

  • Identity proof or KYC documents such as Aadhaar card, Passport
  • Proof of residence
  • Salary slips, Bank statements, ITR for proof of income
  • Property documents or sales deed

Housing Loan Fees & Charges

Discover Home Loan Interest Rates and Charges below
 

Particulars Salaried Self-Employed
Loan amount ₹ 5 lakhs to ₹ 7.5 crores ₹ 5 lakhs to ₹ 7.5 crores
Loan tenure Up to 30 years Up to 30 years
Interest Rate 8.75% per annum Starting rate @ 8.85%
Required documents

Click here for details 

Click here for details
Online Eligibility Check

Click here to check your eligibility

Click here to check your eligibility
Eligibility criteria Min. salary of Rs. 30,000 with at least 2 years of work experience 3 years of experience in the same business
Co-applicant tax benefit Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C
Processing fees Starting @ 0.10% of Loan Amount + GST Starting @ 0.20% of Loan Amount + GST
Foreclosure Charges No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds
Delayed EMI Payments 2.00% P.M. (24.00% P.A.) on the defaulted amount 2.00% P.M. (24.00% P.A.) on the defaulted amount
Other Charges

Check collection agency and legal charges 

Check collection agency and legal charges 
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Avail TATA Capital loans directly from WhatsApp

How to Apply for Home Loan in Just 5 Steps

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Step 1

Enter your basic details

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Step 2

Check your eligibility

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Step 3

Pay the processing fee

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Step 4

Upload Documents

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Step 5

Get Provisional Sanction

Appy Now
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House Loan Repayment Options

Here’s an breakdown of Tata Capital's house loan repayment options:

Standard EMI Plan

 

  • Consistent Payments: Pay the same amount every month until your loan is fully repaid.
  • Ideal for Fixed Incomes: Perfect for those who prefer stable monthly payments throughout the loan tenure.
Step-Up Flexi EMI Plan

You can pay lower EMIs in the beginning and then increase them gradually.
 

  • Start Small, Grow Gradually: Begin with lower EMIs and increase them as your income grows.

  • Save on Interest: This plan helps you reduce interest costs and pay off your loan faster.

  • Exclusive to Tata Capital: Enjoy the unique flexibility of managing your loan payments as your financial situation improves.

Get Home Loan in Your City

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Home Loan in Visakhapatnam

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Home Loan in Surat

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Home Loans for Different Budgets

More Home Loan products for you

Home Loan for government employees

Home Loan for government employees

With Tata Capital, you can apply for a home loan for government employees in a few easy steps and get housing finance at competitive interest rates.

Apply Now
Home Loan for self-employed

Home Loan for self-employed

With Tata Capital, you can apply for a home loan for self employed in a few easy steps and get housing finance at competitive interest rates.

Apply Now
Home Loan for women

Home Loan for women

With Tata Capital, you can apply for a home loan for women in a few easy steps and get housing finance at competitive interest rates. 

Apply Now

What Our Customers Say About Us

Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.

Prakash Patil

Home Loan | 23 Aug, 2024

starstarstarstarstar

Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.

Nandlal Lal Arora

Home Loan | 13 Aug, 2024

starstarstarstarstar

Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal

Farhang Ahmed Azar

Home Loan | 24 Jul, 2024

starstarstarstarstar
Read All

FAQs on Home Loan

Our Other Available House Loan Products

Affordable Housing Loan

  1. At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates. 

Know More
Affordable Housing Loan Affordable Housing Loan

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