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Home Loans

We help you in making your dream home a reality.


Features of Tata Capital Home Loans

While structuring your loan, we take into account your payments, repayments and income streams to arrive at the option that best suits your needs. You can use the home loan to buy a plot of land for construction, build a house on already owned land, buy a new house/flat, to improve/extend your home, to purchase resale property or to pay off an existing home loan from another financial institution. We let you use the home loan depending on your requirement.


Tata Capital allows you to take a home loan with a co-applicant. The co-applicant to take the home loan can be any family member like your spouse/parents/children/ siblings. Taking a home loan with a co-applicant is beneficial as his/her income will also be considered which will help to enhance your home loan eligibility.


Home Loan Interest Rate & Tenure

Tata Capital brings to you Home Loans at an attractive floating interest rates, starting at 10.15% on online applications and for home loans of upto Rs.25 lakhs. You can avail home loans starting from Rs. 2 lakhs to Rs. 3 crores for residential properties. What’s more, we also offer loan tenure ranging from 12 months to 360 months. Choose from our array of attractive options, based on your specific needs. 


No foreclosure charges are applicable where the  term loan is floating interest rate basis and sanctioned to individual borrowers, and where the housing loan is on fixed interest rate basis and pre-closed out of the customers own sources. If the home loan has a fixed interest rate and is pre-closed other than own sources 2% plus taxes will be charged on the principal outstanding and all part payments.


Home Loan Eligibility

Any self-employed individual or salaried individual/professional between the age group of 24-65 can get a home loan. Some basic documents like identity proof, address proof and bank statements are required to obtain a home loan. 


Home Loans for our Approved Projects

You can now avail home loans for our approved projects. Our list of approved projects includes Motia Oasis developed by Motia Township Pvt Ltd, Ideal Regency developed by Ideal Regency, SS Infinitus developed by SS Group and many others.


So, when you’ve found the home of your dreams, you can be assured that we will offer you the right loan. For more details, visit us on

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To Apply for a Home Loan

* Conditions Apply. Originated and serviced by Tata Capital Housing Finance Limited. All loans at the discretion of Tata Capital Housing Finance Limited.



Tata Capital Housing Finance Ltd – PLR


Effective From TCHFL PLR *
10th Dec '13 16.75%
1st Sep '13 16.65%
1st Mar '13 16.4%
1st Oct '11 16.5%

1st Jul '11

1st Apr '11 15.5%
20th Dec '10 14.75%
15th Nov '10 14.25%
1st Jan '09 13.75%

* includes all forms of mortgage loans booked under Tata Capital Housing Finance Ltd



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Important Information


Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance. Customers are requested to read the attached advisory and be aware of misleading advertisements in the newspapers.

Click here to read the advisory