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Tata Capital’s Home Loan offerings are tailor-made for purchasing a home or constructing one. We also offer to transfer your home loan balance. Tata Capital home loans extend from Rs. 5 lakhs upto Rs. 5 crores and start at an affordable interest rate of just 6.90%*. You can choose the home loan amount, tenure, and the EMI period as per your convenience. And what’s more is that our home loan processing involves minimum documentation and is easy and seamless. Moreover, our years of experience in the industry make us the reliable home loan provider you have been looking for!

Disclaimer: Home Loans are brought to you by Tata Capital Housing Finance Limited and are at its sole discretion. Terms and conditions apply.


Key Features

Loan Amount

₹5,00,000 - ₹5,00,00,000

Loan Tenure
Up to 30 years
Interest rates starting at



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 6.90%*. 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 6.90%*. 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.


To facilitate a contactless loan application process, you can download our editable Loan Application Forms* here. Fill in the fields & send it to our Tata Capital Housing Finance Executive.

*To edit the pdf, ensure that you have Adobe Reader Version 11 installed on your device. To download the Instruction Manual, click here.

What is a Home Loan?

A home loan, also known as a housing loan is simply the sum of money borrowed from a lender to purchase a home or to construct one. Home loans can also be taken for extension of existing homes. Home loans are available in both fixed and adjustable interest rates, and payment terms. There are several types of home loans available:

  • For purchase of residential property

  • For construction of a residential property

  • For purchase of land

  • For home expansion

  • For balance transfer

How Does a Home Loan Work?

Loan Amount

Loan amount is the principal amount of money that you are eligible to borrow for your home. The home loan amount that you can borrow will largely depend on your home loan eligibility calculated on the basis of several factors – CIBIL score, employment type, income, among others. To determine your home loan eligibility, all we will need is your documentation proofs. 

Loan Disbursal

A home loan amount is said to be disbursed when the amount is transferred to your bank account after checking your eligibility and documentation proof. 

EMI Repayments 

A month following the day on which you received full loan disbursement, your Equal Monthly Instalment will start. To repay your home loan amount, you need to shell out equal, fixed amounts on a monthly basis to repay your home loan.

Loan Closure

A loan is closed when you pay your EMIs up until your loan tenure, paying off the principal amount and the interest. Generally, home loans are to be paid off within the tenure or term for which they were taken but foreclosure or prepayment of home loans can be made. In case of floating interest rates, no charges will be applicable for prepayment but in case of fixed interest rates, charges may apply. 

If you do not prepay your loan, you will have to faithfully pay your EMIs up until your loan tenure is over following which a loan closure will take place. Meaning, your books of home loan will be closed.

Are you Eligible for a Home Loan?

Your home loan eligibility will be determined based on the following criteria – 

  • You must be between the ages of 24 and 65 
  • Salaried employees must have a minimum salary of Rs. 30,000 and at least two years of work experience 
  • Self-employed individuals must have at least three years of work experience in their current field
  • In case of NRIs or Non-Resident Indians; they should be salaried individuals having at least three years of work experience

What are the Documents Required to Apply for a Home Loan?

Documents Required for all Home Loan Applicants

The following are the accepted documents for a home loan application. An applicant needs to produce only one/two from each of the following category -

  • Age Proof – Valid Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate 
  • Photo Identity Proof – Voter ID Card, Valid Passport, Driving License, Aadhar Card, PAN Card
  • Address Proof – Utility Bills, Bank Statements, Property Registration Documents, Property Tax Receipt, Voter ID Card 
  • Business Proof – Registration Certificate for Commencement of Business, your Business Profile on letter head, copy of the last two years’ Income Tax Returns
  • Income Proof – Last six months’ operative current account statement, copy of the last three years’ P/L Projection Statement, Bank Statements for the last six months of CC, OD facilities (if taken)
  • Existing Loan Details – to be provided via bank statements
  • Processing Fee Cheque – to be issued from your business account 


Read on to know more about the Eligibility and Documents required for Home Loan

What is a Home Loan EMI Calculator?

Since housing loans are generally huge amounts, paying them in EMIs or Equal Monthly Instalments helps in evenly distributing the loan burden. Calculating EMI manually is often confusing as a result of which people often end up with the wrong results. A Home Loan EMI calculator is a simple online tool to instantly calculate the Equal Monthly Instalments that you need to make to repay your home loan. A home loan EMI calculator can give an accurate answer within seconds. 

4 reasons why you deserve a Home Loan

Home is a good investment for your future

Home buying is not just fulfilling your immediate need, but it is also a good investment as the property value increases over the years. Whether it is a plot, home or apartment you want to invest in, it will provide better returns over the course of time. This is one investment that will continue to pay dividends for the rest of your life.

Fix anything that’s broken

Over the years, even the best of homes end up suffering through a little wear and tear. Show your home a little love and fix all the little leaks and creaks through Home Loan.

Upgrade to make it Eco friendly

A lot of home owners now upgrade their homes in an effort to reduce their carbon footprint. With just a few upgrades, you will be setting a great example for your children and neighbours.

Because you deserve a place to express yourself

Your home is where you and your loved ones find a sanctuary away from the hustle of the outside world. Why would you want to compromise on that? Turn your children’s room into a fantasy playground or get yourself more space by adding a room.

How to Apply for a Home Loan

You can reach out to us in various ways to apply for a home loan:

  • Online

You can easily apply for a housing loan online by just filling up your basic details.

  • Visiting our Branch

Another way to apply for a home loan is to visit one of our country-wide branches and our executives will walk you through the entire process.

  • Through the phone

Applying for a home loan with Tata Capital is just a phone call away! Simply contact us at 1860 267 6060 and we will guide you through the process.

  • Through a Virtual assistant

You can even apply for your home loan with the help of a loan processing virtual assistant.

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.


We will verify your home loan application & submitted documents

Inspection of Property

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


Post approval, the loan is sanctioned.


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

5 reasons why we are the right fit for you and your home

We care about you

We offer Home Loans to meet your fund requirements without bothering you with too many formalities other than the statutory requirements as prescribed by law. 

We offer attractive Home Loan interest rates

Our home loan interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay. 

We’re flexible

Our Home Loan lets you choose the loan amount, tenure and EMI period for which you need the loan. 

We are not going to make you run around

We only ask for minimal documentation to process your application. We just need some mandatory information like the source of your income and the purpose for the housing loan.

We’ve been in the industry for a long time

This means we understand your needs and we will tailor our services to your needs. If you look good, we look good too.  

What is the Pradhan Mantri Awas Yojana (PMAY Scheme)?

The Pradhan Mantri Awas Yojana or PMAY scheme is a Credit Linked Subsidy Scheme (CLSS) introduced by the Central Government to provide affordable ‘Housing for All’ by the 31st of March 2022. Under this first-of-its-kind initiative, affordable housing is provided for Economically Weaker Sections (EWS), Lower-Income Groups and Middle-Income Groups (MIGs) of the society.


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.


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 6.90%* 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.  

Home loans serve the primary purpose of purchasing a property or facilitating the construction of one for home buyers. Different types of home loans are taken for different purposes such as –

  • Purchase of Land 
  • Readymade Home Purchase 
  • Home Construction 
  • House Expansion or Extension 
  • Home Conversion 
  • Home Renovation 
  • Loans Against Property or Mortgage Loan

A co-applicant in a home loan is an individual who will be equally responsible to repay the home loan just as the main borrower. He or she has to apply for the home loan along with the main borrower. Lenders will take the co-applicant’s income and credit standing into consideration as well. 

Home loan co-applicants can only be immediate family members or blood relatives. Up to six co-applicants are permitted per home loan application. The following can be co-applicants in a joint home loan –

  • Spouse
  • Father 
  • Mother 
  • Brother who is not a minor 
  • Sister who is not a minor 
  • Son who is not a minor 
  • Daughter who is not a minor 

The time taken for the sanctioning of home loans varies depending upon whether you are a salaried individual, self-employed individual or entrepreneur. Typically,

  • For salaried individuals, home loans can be sanctioned within 4 to 5 business days
  • For self-employed individuals, it may take around 7 to 8 business days to get home loan sanctioned 

Tax benefits on home loans may be availed during filing of annual income tax returns. Home loan borrowers are eligible for tax benefits on home loan as per Section 80 C of the Income Tax Act. The following tax benefits can be availed by home loan borrowers -

  • Deduction for Interest Paid on Housing Loan - The interest portion of the EMI paid for home loan in the year can be claimed as a deduction from your total income. This amount must not exceed a maximum of Rs 2 lakhs as per Section 24
  • Deduction on Principal Repayment - The Principal portion of the home loan EMI paid for the year is allowed as deduction under Section 80C. The maximum amount that can be claimed is up to Rs 1.5 lakh. However, to claim this deduction, the house property should not be sold within 5 years of possession.
  • Additional Deduction under Section 80 EEA – 2019’s Budget has introduced additional deduction under Section 80EEA for home buyers for maximum up to Rs 1,50,000, provided the stamp value of the property does not exceed Rs 45 lakhs. The loan must have been sanctioned between 1 April 2019 and 31 March 2020 to avail this benefit.

If your home loan interest rate hikes, you can reduce your housing loan tenure in the following ways –

  • Increasing your EMI
  • Making a part pre-payment of your housing loan, or
  • A combination of both the ways mentioned above

If you wish to reduce your home loan tenure, visit the nearest loan-serving branch. Once the EMI has been changed, submit new Electronic Clearance Service (ECS) mandate/Post-Dated cheques with the updated EMI amount to get your home loan tenure reduced. 

Home loan is taken for a property whereas a mortgage loan is taken against a property - For a home loan, an applicant borrows money from a lending institution at a given interest rate for buying, constructing, or upgrading of a property.  

For a mortgage loan, financial institutions or lenders extend the mortgage by securing a property. So, though the property is considered to be the collateral for the loan amount, it is the lending institution that is the actual owner of the property till full loan repayment.


A fixed interest rate is completely market independent whereas a floating interest rate varies throughout the loan tenure based on changes in the market forces.   With Tata Capital, you get the flexibility to opt for Fixed Rate Home Loan or Home Equity Loan for the initial three years of your home loan tenure following which there will be an automatic change to floating interest rates for the rest of the tenure.

Yes, it is possible for you to prepay your home loan, either in part or in full, keeping the following in mind – 

  • You need prior written approval of the lending authority
  • You need to consider pre-payment charges levied by your lending institution 
  • There could also be a minimum pre-payment amount limit set by your lending authority that you need to consider

Yes, you can take a joint home loan to increase your home loan eligibility. In case of a joint home loan, the income and credit standing of the co-applicant will also be taken into consideration. You can take a joint home loan with the following –


  • Your spouse 
  • Your parents 
  • Your children 
  • Your siblings 


Basically, anybody who makes up your immediate family is eligible for becoming a co-applicant.

* Offer applicable only for customers availing a Home Loan via the online Home Loan application process.

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