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    Personal Loan - Personal Loan

    Personal Loan: TATA Capital offers personal loans in India to help you meet your financial needs at attractive interest rate. Apply for Personal Loans online.

    Personal Loan Features and Benefits
    Eligibility and Documents
    Interest Rates & Charges
    Personal Loan - Personal Loan EMI Calculator

    Personal Loan: TATA Capital offers personal loans in India to help you meet your financial needs at attractive interest rate. Apply for Personal Loans online.

    Personal Loan - Personal Loan Eligibility

    Unique Personal Loanfrom Tata Capital where you pay only interest as EMI Interest Starts @ 11.07%p.a.

    Personal Loan - Nearest branch

    Unique Personal Loanfrom Tata Capital where you pay only interest as EMI Interest Starts @ 11.07%p.a.

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    • ABOUT HOME LOANS

    If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate of 9.25% with a tenure up to 30 years. Whether it’s for home purchase, construction or balance transfer, leverage our experience to work for your home loan needs. We have designed tools and calculators to ensure you have a seamless home buying experience. 

    KNOW MORE ABOUT OUR OFFERINGS

    Key Features
    Loan Amount

    ₹2,00,000 - ₹5,00,00,000

    Loan Tenure
    Up to 30 years
    Interest rates starting at

    9.25%

    View our Flexi EMI Option
    Advantages
    Wide Range of Home Loans
    Tata Capital Home loans allows you to do much more than just buy a property – purchase a plot of land for construction, home extension, balance transfer and much more!
    Attractive Home Loan Interest Rates

    A simple, low cost home loan with interest rate starting from 9.25%. So that you can get into your new home sooner!

    Highest Home Loan Eligibility
    Why settle for less when you are deciding on your home? Take advantage of the home loan eligibility calculator. Calculate your housing loan eligibility in seconds.
    Easy Repayment
    We make home buying easy, from the first click to turning the key. You can start your repayment tenure with lower EMI’s and pay more as your income grows.
    Wide Range of Home Loans
    Tata Capital Home loans allows you to do much more than just buy a property – purchase a plot of land for construction, home extension, balance transfer and much more!
    Attractive Home Loan Interest Rates

    A simple, low cost home loan with interest rate starting from 9.25%. So that you can get into your new home sooner!

    Highest Home Loan Eligibility
    Why settle for less when you are deciding on your home? Take advantage of the home loan eligibility calculator. Calculate your housing loan eligibility in seconds.
    Easy Repayment
    We make home buying easy, from the first click to turning the key. You can start your repayment tenure with lower EMI’s and pay more as your income grows.
    Know More Know More

    Home Loan Eligibility

    You need to meet some basic conditions to be eligible for a Home Loan. A general Home Loan eligibility criteria is to be at least 24 years, and below 65 years. Check other Home Loan eligibility factors.

    Home Loan Calculators

    Home Loan EMI calculator helps you understand the EMI that you will pay towards the principal payments and interest payment over the loan tenure. With Tata Capital, enjoy the convenience to customize your EMIs, or lower your EMIs as your income grows. Use the EMI calculator to know how much money you can pay monthly over a period of time that’s comfortable for you. Calculate your EMIs now.

    EMI CALCULATOR, PMAY CALCULATOR, BALANCE TRANSFER +  TOP UP, ELIGIBILITY CALCULATOR,  AREA CONVERSION CALCULATOR

    TOOLS & CALCULATORS
    Select Loan Amount₹200000
    ₹30000₹2000000
    Select Loan Duration48 Months
    12 Months 120 Months
    Rate of Interest16% p.a.
    10% p.a. 20% p.a.

    EMI Amount

    ₹*

    Total Payment

    Principal + Interest
    ₹*

    Total Interest Payable

    ₹*
    Annual Family Income₹200000
    ₹30000₹2000000
    Tenure24 Months
    12 Months 120 Months
    Loan Amount₹200000
    ₹1₹5000000

    Subsidy Amount

    ₹

    Subsidy Category

    MIG-II
    Requested Loan Amount₹50000000
    ₹300000₹50000000
    Net Salary /Net Income (Monthly)₹5000000
    ₹1₹5000000
    Cost of Property₹500000000
    ₹1000000₹500000000
    Existing EMI₹2500000
    ₹1₹2500000
    Requested Tenor (Months)24 Months
    12 Months360 Months
    Monthly Obligation₹50000
    ₹2000₹50000
    Loan Principal Outstanding₹50000000
    ₹200000₹50000000
    Balance Transfer Amount
    ₹15,00,000
    Top Up Amount
    ₹3,75,000
    EMI of Final Eligibility
    ₹15,00,000
    Final Total Eligibility
    ₹18,75,000
    Savings / Month
    ₹16,689
    Total Savings
    ₹18,75,000
    Net Income (Monthly)₹200000
    ₹0₹5000000
    Monthly Obligations₹10000
    ₹0₹5000000
    Rate of Interest16% p.a.
    10% p.a. 20% p.a.
    Tenure24 Months
    12 Months 120 Months

    EMI

    ₹

    Eligibility

    ₹
    Area
    Enter valid area
    0 Unit
    is equal to
    0 Unit
    *Final amount may vary and it will depend on the final credit approval
    Name (as per PAN Card) Please enter a valid Name
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    Portfolio ValuePlease enter an amount
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    Years In Business Please enter the Number of Years
    Turnover Please enter an amount
    Profit After Tax Please enter an amount
    Required Loan Amount Please enter an amount
    Please select a Product
    Annual Income Please enter an amount
    Please select a Plan
    Please select a Medical Condition
    Vehicle Manufacturer Please enter a valid Manufacturer Name
    Vehicle Model Please enter a valid Model Name
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    Reg. No. (MH01AB1234) Please enter a valid Vehicle Number
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    Please select a Purpose of Visit
    Please select an option
    Travel To Please enter a valid Country Name
    Trip Start Date Please enter a valid Date
    Trip End Date Please enter a valid Date
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    VERIFY YOUR MOBILE NO.

    Please enter the 4 Digit OTP sent to your mobile Number.

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    Mobile NumberPlease click on SEND OTP to receive the new OTP
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    Application Process

    Online Application

    You can apply for a home loan by just filling up your basic details.

    Document Submission

    Post receiving your home loan eligibility, furnish the required documents to take your application ahead.

    Verification

    We will verify your home loan application & submitted documents

    Inspection of Property

     Our expert visits the premises and property you intend to purchase.  

    Approval

    Post approval, the loan is sanctioned.

    Disbursal

    Receive the required home loan in your bank account - it's that simple!

    Fees and Charges

    When you apply for a Home Loan with Tata Capital, you do not have to worry about any hidden charges. Whether it is related to processing fees, foreclosure charges, or delayed Home Loan EMI Payments, all information is transparently-provided for smooth processing of your home loan. Get a comprehensive breakdown of fees and charges on home loans.

    HOME ASSISTANCE TOOLS

    Process Guidance Tool

    This tool provides contextual guidance to the Buyer with respect to the steps to be followed while transacting on a Builder Property.

    Buying Affordability Tool

    This Tool guides the user with their overall Property budget and Property price they should look for based on their loan eligibility and cash in hand. It also suggests them the localities they can afford with the given budget.

    Property Search Tool

    This Tool facilitates the user to search for his desired property in all renowned property portals at one go.

    Document Checklist Tool

    This tool guides the user with his max loan eligibility and the right loan product within the FI's product offerings.

    TDS Filing Guidance Tool

    This tool guides the user with his max loan eligibility and the right loan product within the FI's product offerings.

    EMI options

    Choose the right EMI option for you as per your timeline and income. Our available Home Loan EMI options are listed. Know more about EMI options.

    PLANNING TO TAKE A LOAN?

    Watch this video to find out more about Tata Capital Home Loans. Owning a home is one of the biggest milestones in life. We at Tata Capital believe in making this possible for everyone through our tailored Home Loans. With us, by your side we will help you unlock the door to your new home.

    FAQ
    • Buy a plot of land or property and construct a house on it
    • Buy an already constructed house or apartment
    • Renovate your home (Home Improvement) or home repairs
    • Add new built-up area to an existing house (Home Extension).

    Maximum of 30 years is provided to repay a loan. This is subject to retirement age of the borrower or 65 years in the case of self-employed applicant. 

    Our interest rates begin from 9.25% and are highly competitive. We offer concessional interest rates to women beneficiaries. Additionally, we provide subsidized home loans to low income groups under PMAY subsidy.  

    Our turnaround time is quick. We have a dedicated team of Credit Managers to respond on time. Once we receive your file, we give you a confirmation by issuing a Sanction Letter. If you are a Salaried Employee, your loan will get sanctioned within 4-5 days. If you are Self-Employed, it may take us about 7-8 business days.

    Find the right loan for you

    Affordable Housing Loan
    Know More
    Affordable Housing Loan
    Home Extension Loan by Tata Capital
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    Home Extension Loan
    NRI Home Loan
    Know More
    NRI Home Loan

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE

    CUSTOMER SPEAK

    INSIGHTS ON HOME LOAN

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