Apply Now for a Flexi EMi Home Loan by Tata Capital

Home Loans


Buy your dream home today. Pay as your grow with our Flexi EMIs.

When it comes to buying your dream home, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Home Loan** with Tata Capital, you have the freedom to repay your way.  


 Attractive interest rates 

Competitive interest rates on home loans for you so that you can buy your dream home with lowest possible EMI


•  Flexi EMIs with Higher Home Loan Eligibility

Our Flexi EMIs with Higher eligibility make your dream of buying a home that meets your current and future needs come true. Choose from options like Step Up and Bullet repayment.


•  Faster processing & doorstep service

Get an in-principle conditional online approval with minimum documentation for your Home Loan. Our executives will visit your residence and complete the KYC and other documentation process


•  Approved Projects

You can choose from our list of Approved Projects online and get a feel of your dream home before applying for a housing loan with us



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Multiple repayment options on your Home Loan


•  Step Up Flexi EMI plan


This plan allows you to increase your fixed monthly EMIs every year to match the increase in your annual income. This gradual annual increase helps you repay your home loan without taxing you financially.


Is it ideal for me?


If your EMIs are burning a hole in your pocket, this plan will give you much-needed relief. It gives you the freedom to increase your EMI along with your yearly pay hike. 



Suitable For:


  •  Customers who want a bit more cash in their pockets each month as the monthly payments tend to be lower


  •  Customers who foresee a healthy growth in their annual income



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Features of Tata Capital Home Loans


While structuring home 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

  •  to 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.  


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 attractive floating interest rates, starting at 9.80%* 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  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. 




*9.80% rate of interest is applicable only under Rural Housing Finance and with a loan amount up to INR 15 lakhs. **Applicable for salaried individuals only. Home Loans are originated and serviced by Tata Capital Housing Finance Limited and are at its sole discretion. Terms and conditions apply. 



Tata Capital Housing Finance Ltd – PLR


Effective From TCHFL PLR #
1st May '15 16.65%
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