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Home Loan by Tata Capital

A home loan, which is also known as a house loan, is a sum of money borrowed from a financial institution to buy or construct a house. It offers high-value financing for longer tenures at fixed or variable interest rates to help homebuyers. A home loan falls under the secured loan category since the property which is being bought is kept as collateral with the lender until the borrower has repaid the complete loan amount.

At Tata Capital, we provide loans for homes of up to Rs. 5 crores at affordable interest rates starting from just 8.60% per annum*. Our housing loans are tailor-made to help you purchase or construct a new house without any hassles. We provide you with the flexibility to choose your loan amount, tenure, and EMIs as per your specific requirements. On top of everything, we will ask for minimum documentation and ensure instant approval.

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

  • Loan amount offered

    ₹ 5 lakhs to ₹ 5 crores

  • Loan tenure

    Upto 30 years

  • Interest rate starting @

Advantages Of Tata Capital Home Loan

Multi-Purpose Loans

Tata Capital housing loans allow you to do much more than just buy a property. You can avail of our housing finance to purchase a ready-made or under-construction housing property, buy a plot and construct a house on it, extend or renovate your house, transfer your outstanding house loan balance, and much more!

Attractive Home Loan Interest Rates

Our loans for home come with attractive interest rates, starting from just 8.60% per annum*. Furthermore, depending on your loan eligibility, income, credit score, and other parameters, we can determine the best home loan interest rate for you. This way, you can buy your dream house without worrying about hefty EMIs.

Easy Eligibility Criteria

With Tata Capital, you can get a high-value house loan by fulfilling simple eligibility criteria. You can use our home loan eligibility calculator to know the maximum loan amount that you can avail of from us. You can also apply for housing finance online and get pre-approved offers.

Instant approval

Get approval in just a few simple steps by availing our Home Loan online.

Quick processing

Get your housing loan processed quickly with no hassle.

Loan tenure up to 30 years

Our loans for home provide you with the flexibility to choose your tenure as per your repayment capability. You can adjust your tenure within 5 to 30 years to keep your loan EMIs within your monthly budget. You can also start with lower EMIs and gradually increase them as your income grows.   


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How Does a Home Loan Work?

With a Tata Capital home loan, you can buy your dream house and repay the amount in monthly installments. You can also avail of a house loan to construct a house on a piece of plot or remodel your existing house. Following are the components of a house loan:


Loan Amount

It is the amount that you can borrow. You can determine your house loan amount based on various factors, including the price of the property that you wish to purchase, loan eligibility, repayment capability, etc.


Loan Disbursal

It is the process of transferring the loan amount to the borrower. When you apply for housing finance with a lender, it checks your loan eligibility and verifies all the documents before initiating the disbursal process.


EMI Repayments

You will need to repay your loan amount in Equated Monthly Instalments (EMIs). Your housing loan EMIs will depend on the total amount you borrowed, the applicable rate of interest, and tenure. With Tata Capital Housing Finance, you have the flexibility to customize your EMIs as per your repayment capability.


Loan Closure

The lender will keep your house as collateral until you’ve repaid your loan amount. You can either repay your housing loan in EMIs or choose to foreclose it by paying the entire balance amount in one go. However, you may incur foreclosure charges in such a case.

Here’s How You Can Apply for a Tata Capital Home Loan Online:


Fill online form

Access our online home loan application form here. It should take you 10 to 15 minutes to fill up the form.


Upload documents

Upload the self-attested copies of the required documents. After receiving your documents, we will initiate a verification process.


Expert Inspection

Our experts will inspect the property and give on-spot approval for your house loan.


Loan disbursal

You will get your loan amount in your bank account within 3 to 5 working days.

Are You Eligible for Tata Capital Home Loan Finance?

Your house loan eligibility depends upon several factors, including your age, employment status, employment type, monthly income, and credit score. Below are the eligibility requirements for the Tata Capital home loan:

  • You must be a citizen of India
  • Your age should be between 24 and 65 years
  • If you’re a salaried employee, you must have a minimum salary of Rs. 30,000 and at least two years of work experience
  • If you’re a self-employed individual, you must have at least three years of experience in the same business
  • If you’re a Non-Resident Indian (NRI), you should be a salaried employee with at least three years of work experience

Please note that this list is indicative. To know your exact eligibility, you can use our online housing loan eligibility calculator or get in touch with our customer care executive.

What Is a Home Loan EMI Calculator?

A house loan can involve a significant amount of funding that can run into several lakhs or even a few crores of rupees. Hence, it’s prudent to know your EMIs before applying for a loan. A home loan EMI calculator is an online tool that can help you to do so. All you have to do is simply enter your loan amount, rate of interest, and duration, and your housing loan EMIs would be displayed instantly.

What are the Advantages of getting a Home Loan?

You can avail of a house loan to purchase or construct a house, refinance an already-purchased house, or transfer your home loan balance from another lender. Below are the reasons to apply for Tata Capital housing finance:


Buy or Construct a House

Owning a house is a dream for everyone. You can fulfill this dream of yours by getting a housing loan from Tata Capital. With financing of up to Rs. 5 crores, you can buy or construct a house for yourself and your family members. You can also avail of our house loan to purchase a plot or land.

Invest for the Future

Real estate properties are one of the best investment avenues in India. The appreciating value of a housing property can fetch you good returns in the future. You can avail of housing finance to invest in a housing property and secure your financial future.

Fix Anything That’s Broken

Even the best of houses suffers from wear and tear with time. You can avail of our housing loan to renovate or reconstruct your house and make it a beautiful place to live in. You can also upgrade your house to make it more eco-friendly and more liveable using a housing loan.

Upgrade Your House

You want to upgrade your house to make it more eco-friendly and more liveable. For example, you may want to add more space to your living room or turn your children’s room into a fantasy playground for them. You can apply for a house loan to meet all these expenses.

How to Apply for Tata Capital Housing Loan?

How to Apply for Tata Capital Housing Loan?

With Tata Capital, you can apply for housing finance in any of the following ways:

  • Visiting Our Branch

    You can visit your nearest Tata Capital branch to apply for a housing loan offline. Our executives there will guide you through the entire process.

How to Apply for Tata Capital Housing Loan?

With Tata Capital, you can apply for a housing loan in any of the following ways:

  • Online

    You can apply for our house loan online by visiting our website and filling up an online application form.

  • Through Your Phone

    You can contact us at 1860 267 6060 and apply for our house loan.

  • Request a call back

    Through a Virtual Assistant

    You can also apply for our house loan with the help of our virtual assistant.

How to Calculate Your Home Loan EMIs?

The best way to calculate your housing loan EMIs is by using an online home loan EMI calculator. It simply asks you to enter your loan amount, interest rate, and tenure, and then it displays your housing finance EMIs within a few seconds. With Tata Capital’s house loan EMI calculator, you can evaluate your housing loan EMIs without any hassles.


5 Reasons Why We Are the Right Fit for Your
Housing Finance Requirements


  • We Care for You

    We provide loans for homes to help you fulfill your dreams without bothering you with too many formalities. We only follow statutory requirements as prescribed by the law.

  • We Offer Home Loans at Attractive Interest Rates

    Our loans for home come with attractive interest rates, starting from just 8.60% per annum*. You can get the lowest house loan interest rate as per your borrowing profile.

  • We Are Flexible

    We provide you with complete flexibility to choose your house loan amount, tenure, and EMIs as per your repayment capability.

  • We Won’t Make You Run Around

    We only ask for minimal documents to process housing finance applications. We ensure that you won’t have to run from pillar to post to get your housing finance.

  • We’ve Been Here for a Long Time

    We have been in the industry for a long time. With great experience in offering housing loans, we can make your home-buying journey smooth and hassle-free.

What is Pradhan Mantri Awas Yojana (PMAY)?

Pradhan Mantri Awas Yojana, or PMAY, is an affordable housing scheme launched by the Government of India in 2015. Under this scheme, the Government plans to provide an interest subsidy of up to 6.5% on loans for homes through a Credit Linked Subsidy Scheme (CLSS). 

The beneficiaries of the PMAY scheme are divided into four categories as per their annual income:

  • Economically Weaker Section (EWS)
  • Low Income Group (LIG)
  • Mid-Income Group I (MIG I)
  • Mid-Income Group II (MIG II) 

Eligible beneficiaries under this scheme can avail of housing loans at subsidized interest rates and reduce their homeownership costs.

Tips to keep in mind while applying for a
Home Loan

While applying for a house loan, you need to be smart enough to ensure that it doesn’t create a burden on you. Here are a few tips you can follow when you apply for a housing loan:

  • Compare home loan offers from various lenders

    You should always compare quotes from multiple lenders before applying for a housing loan with one of them. This allows you to secure the best deal on a house loan interest rate. Besides this, you should also compare other factors, such as the disbursement process, repayment options, processing charges, etc., to get the best house loan offer.


  • Choose carefully between a bank or an NBFC

    Both banks and non-banking financial companies (NBFCs) offer loans for homes in India. However, banks usually have stringent eligibility criteria and follow a lengthy verification procedure. As a result, the disbursal may take longer than expected. On the other hand, it’s easier to get a house loan from NBFCs such as Tata Capital.

  • Enter your loan amount judiciously

    It’s crucial to apply for the right amount of housing finance. While calculating your house loan amount, consider the additional expenses you may incur during the home-buying process apart from the cost of the property. These may include brokerage charges, property registration charges, and stamp duty, among others.


  • Check if the interest rate is floating or fixed

    Lenders in India provide loans for homes with either fixed or floating interest rates. In the first case, the house loan interest rate remains unchanged for its entire tenure. In the latter's case, the interest rate keeps changing during the loan tenure as per the bank’s lending policies. Opting for a home loan with a fixed rate of interest offers better clarity on housing loan EMIs and the total amount you would have to repay.

  • Make an appropriate down payment

    A down payment is the amount you have to pay out of your pocket while buying a house. Usually, lenders sanction up to 80% of a property’s value as a house loan, and the rest has to be paid as a down payment. If you want to keep your housing loan EMIs minimal, you can increase your down payment amount and vice-versa.

  • Choose your repayment tenure carefully

    Your home loan repayment tenure and the EMIs you have to pay for it are inversely proportional. Opting for a longer loan tenure results in a smaller EMI amount as the repayment gets distributed over an extended period. However, you might have to pay a higher interest amount. You must try to get a balance between the two by opting for a suitable loan tenure.

  • Know the foreclosure norms

    Foreclosing a housing loan may save you from paying interest on your outstanding loan amount. However, the lender may levy a foreclosure charge for the same. This charge can vary from one lender to another. Keep an eye on the foreclosure norms of the lender before applying for a house loan with it. Also, check for other hidden charges levied at various points during the loan tenure.

  • Take steps to improve your credit score

    Your credit score plays a crucial role in determining your home loan eligibility. A healthy credit score, preferably 750 or more, can help you secure a housing loan at the lowest interest rate. It’s wise to take steps to improve your credit score before applying for a house loan. For example, you can clear your existing dues, maintain a low credit utilization ratio, and avoid applying for new loans frequently.

Do’s and Dont's while applying for a Home Loan

The last thing you would wish for is for the lender rejecting your home loan application. Such an instance can not only hamper your plan of buying a house but also damage your credit score. Below are some do’s and don’ts that you can follow to avoid this situation:


  • Check the eligibility criteria of a lender before applying for a house loan with it. Make sure that you fulfill all eligibility requirements and that there are minimal chances of the rejection of your housing finance application
  • Keep all documents ready before starting the housing loan application procedure. An unnecessary delay in the submission of documents can create doubt in the lender’s mind
  • Cross-verify the documents before submitting them. Make sure that all documents are accurate and that the information entered by you on your house loan application form matches the ones in your documents
  • Research about the different types of loans for homes available in the market. It’s prudent to choose a house loan that’s best suited to your requirements
  • Investigate the features and benefits offered by the lender carefully. Leave nothing for surprises at a later stage
  • Plan your housing finance repayment carefully. Be mindful of the EMI that you would have to pay every month. Make sure that you can pay your house loan EMIs even if there is a financial emergency
  • Read the fine print carefully. Pay attention to each and every clause. Seek clarification from the lender if you are not clear about something


  • Don’t forget to compare loan options from various lenders. Not comparing loan options prevents you from getting the best housing finance as per your requirements
  • Don’t miss reading the loan agreement in detail. Omitting details such as the repayment timeline, disbursal process, processing fee, etc., can be dangerous
  • Don’t choose a lender based on the lowest rate of interest. Given that loans for homes run for a tenure of 15 to 20 years, it’s better to look for other factors, such as the lender’s reputation, features, and customer services
  • Don’t apply for a housing loan with multiple lenders simultaneously. Doing so can hurt your credit score and decreases your chances of getting a loan in the future
  • Don’t indulge in activities that can hamper your credit score. For example, don’t overspend on your credit card or postpone your loan EMI payments

Home Loan repayment options

At Tata Capital, we aim to ensure that you can buy your dream house without feeling the burden of repayment. That is why we allow you to repay your house loan in two ways:

Standard EMI Plan

Under the Standard EMI Plan, you are required to pay the same amount every month until your house loan is completely repaid. It means that your housing loan EMIs remain the same throughout the loan tenure. This plan is beneficial for those who have a fixed income and are sure of the repayment.

Step-Up Flexi EMI Plan

This is a unique facility offered exclusively by Tata Capital. Under the Step-Up Flexi EMI Plan, you can start your house loan repayment by paying a smaller amount every month and gradually increasing your EMIs as you earn more. This plan allows you to save on your interest outgo and repay your housing loan faster.

How does adding a co-applicant benefit?

  • Improves housing loan eligibility

    If you can add an earning co-applicant, it improves your chances of getting a housing loan. It’s because lenders consider the joint income of both applicants to determine housing finance eligibility in such cases. Moreover, you can secure the lowest interest rate by adding a house loan co-applicant, and reduce your overall borrowing cost.

  • Makes home loan repayment easier

    When you add a co-applicant to your housing loan, they become equally responsible for repaying the loan amount. Such an arrangement ensures that the entire burden of house loan repayment doesn’t fall on your shoulders. Together, you both can plan your EMI payments more effectively.

  • Added benefits for a female co-applicant

    Several lending institutions offer some exclusive benefits to female borrowers. These benefits are usually given in the form of a lower interest rate, loan moratorium, flexibility in repayment, etc. By adding your wife, sister, or mother as a co-applicant on your housing loan, you can also avail of such benefits.

  • Higher tax benefits

    When the co-applicants of a housing loan are also the co-owners of the property, both of them can enjoy separate tax deductions of up to Rs. 2 lakhs under section 24 of the Income Tax Act. Additionally, they can claim deductions of up to Rs. 1.5 lakhs under section 80C.

Instant House Loans in your city

Tata Capital provides unique and flexible loans for homes for salaried individuals. Now that you know what is a house loan, the following can get a Home Loan from Tata Capital:

Home Loan in Vishakhapatnam

Buying a home has never been easier. Connect with Tata Capital.

Home Loan in Ahmedabad

Get affordable home loans quickly at attractive interest rates. Find out more at Tata Capital.

Home Loan in Surat

Build that home you have been yearning for. Tata Capital has your back.   

Home Loan in Delhi

Are you facing a cash crunch in the national capital of Delhi? Tata Capital has your back.

Home Loan in Bangalore

Need to manage immediate expenses in the Garden city of India? Take an instant Loan

Home Loan in Mumbai

Get the best loan interest rates in Mumbai. Connect with Tata Capital in your city.

Home Loan in Hyderabad

Fund your unforeseen expenditures in the city of pearls, Hyderabad with Tata Capital.  

Home Loan in Pune

Enjoy customised Home Loans in Pune. Find more at Tata Capital.

Home Loan in Chennai

Facing a cash shortage in Chennai? Head over to Tata Capital for affordable Home Loans

Home Loan in Gurgaon

Avail Home Loans at affordable interest rate. Connect with Tata Capital to know more. 

Home Loan in Kolkata

Buy the home of your dreams. Find more at Tata Capital.

Home Loan in Jaipur

Open the door to your new home. Tata Capital has your back.   

Home Loan in Chandigarh

Enjoy a seamless Home Loan process. Connect with Tata Capital to know more. 

Home Loan in Lucknow

Enjoy a seamless Home Loan process. Connect with Tata Capital to know more

More Home Loan products for you

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.

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.

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. 

What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

Rate of interest for the home loan is nominal. The processing fee is applicable but even that's nominal.

Chintan Saraiya

Home Loan | 20 October, 2021

The agent explained clearly about the home loan process. There was no hassle in getting the loan.

Ayaz Azmi

Home Loan | 20 October, 2021

I was given a clear picture about the loan process. I am impressed how I was properly notified by the bank and how transparency was maintained.

Kalpana Singh

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021

Find the right Loan for you

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. 

Affordable Housing Loan

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Home Extension Loan

  1. As the years go by and your family continues to grow, does your house feel smaller?

Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.

Home Extension Loan

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Home Loan for Self-Construction

Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick. 

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

Home Loan for Self-Construction

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Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

Home Loan Top-up

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Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses. 

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

Home Loan Overdraft

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Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

Quick Cash

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Balance Transfer

  1. A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 8.60% per annum*.

Balance Transfer

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