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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Home Loans by Tata Capital

At Tata Capital, we provide home loans of up to Rs. 5 crores at affordable interest rates starting from just 8.95% per annum*. Our housing loan offerings are tailor-made for purchasing or constructing a new house. You also have the flexibility to choose your home loan amount, tenure, and EMIs as per your requirements. Plus, Tata Capital Housing Finance involves minimum documentation, instant approval, and quick processing.


Disclaimer: Home 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 Home Loans

You can do much more than just buy a property. Avail our home loan to purchase ready-made or under-construction housing property, buy a plot and construct a house on it, extend or renovate your house, transfer your outstanding home loan balance, and much more!

Attractive Home Loan Interest Rates

Get attractive interest rates, starting from just 8.95% per annum*. Furthermore, depending on your home loan eligibility, income, credit score, and other parameters, we can determine the best home loan interest rate for you. 

Easy Eligibility Criteria

You can get high-value home loans by fulfilling our simple eligibility criteria. You can use our home loan eligibility calculator to know the maximum home loan amount that you can avail of from us. Our home loans are approved and processed instantly. For a home loan apply online, click here.

Instant approval

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

Quick processing

Get your home loan processed quickly with no hassle.

Loan tenure up to 30 years

You can adjust your tenure within 5 to 30 years so that your home loan EMIs remain within your monthly budget


Avail TATA Capital loans directly from WhatsApp

How Does a Home Loan Work?

A home loan helps you realize your dream of owning a house in India. You can apply for a home loan to buy a ready-to-move-in or an under-construction housing property, purchase a piece of plot and construct a house over it, or refinance an already-purchased residential property.


Loan Amount

First, you need to evaluate the home loan amount that you would need. Then, you can check the maximum home loan amount you are eligible to borrow from us. Your home loan eligibility depends on several factors, including your credit score, income, and employment type, among others. After determining your eligibility, you can apply for a housing loan with us.


Loan Disbursal

After receiving your home loan application and the required documents, we will start a verification process. After successful verification of your documents and home loan eligibility, we will disburse your home loan amount to your bank account.


EMI Repayments

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


Loan Closure

Your house will be kept as collateral until your home loan closure. A loan is closed only when you’ve repaid all your EMIs. You can even choose to foreclose your home loan before the end of its tenure. However, you may incur home loan foreclosure charges for that.

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 home loan 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 home loan.


Loan disbursal

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

Are You Eligible for Tata Capital Home Loan Finance?

Your home loan eligibility is determined by considering several factors, including your age, employment status, employment type, monthly income, and credit score. You need to fulfill the eligibility criteria mentioned below to avail of Tata Capital housing loan finance:

  • 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. Your Tata Capital housing loan eligibility will depend on several other factors as well. To know your exact eligibility, you can use our online home loan eligibility calculator.

What Is a Home Loan EMI Calculator?

Buying a housing property involves a huge financial transaction that can run into several lakhs or even a few crores of rupees. With a housing loan, you can get up to 80% financing of your home ownership cost and repay the amount in EMIs. However, to plan your home loan repayments in a better fashion, it is crucial to know your home loan EMIs in advance.

A home loan EMI calculator is an online tool that can help you calculate the EMIs that you need to pay to repay your home loan amount. All you must do is simply enter your home loan amount, rate of interest, and duration, and your home loan EMIs would be displayed instantly.

What are the Advantages of getting a Home Loan?


You can avail of a Tata Capital home 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 a home loan with Tata Capital:


Buy or Construct a House

Owning a house is a dream for everyone. You can fulfil this dream of yours by getting a housing loan from Tata Capital. With home loan finance of up to Rs. 5 crores, you can buy or construct a house for yourself and your family members. You can also avail of a home 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 a home loan 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 a housing loan finance to renovate or reconstruct your house and make it a beautiful place to live in. This may include repainting, carpentry, or masonry works.

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 a housing loan in more than one way:

  • Visiting Our Branch

    You can visit your nearest Tata Capital branch to apply for a home 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 more than one way:

  • Online

    You can apply for a Tata Capital home loan online by simply entering a few basic details of yours.

  • Through Your Phone

    You can even apply for a Tata Capital Home Loan by simply contacting us at 1860 267 6060.

  • Through a Virtual Assistant

    You can also apply for a Tata Capital Home Loan with the help of our virtual assistant.

How to Calculate Your Home Loan EMIs?

Your home loan EMIs would depend on several factors, including your home loan amount, applicable interest rate, and loan tenure. The best way to calculate your home loan EMIs is by using an online home loan EMI calculator. It simply asks you to enter your house loan amount, interest rate, and tenure, and then it displays your home loan EMIs within a few seconds.

With Tata Capital’s home loan EMI calculator, you can evaluate your home loan EMIs instantly and eliminate the hassles of manual calculations.

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


  • We Care for You

    We provide home loans to help you fulfil your dreams without bothering you with too many formalities. We only follow statutory housing loan requirements as prescribed by the law.

  • We Offer Home Loans at Attractive Interest Rates

    Our home loans come with attractive interest rates, starting from just 8.95% per annum*. You can get your precise home loan interest rate as per your borrowing profile.

  • We Are Flexible

    We provide you with complete flexibility to choose your home 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 home loan applications. You won’t have to run from pillar to post to get your housing loan with us.

  • We’ve Been Here for a Long Time

    We have been in the industry for a long time. With great experience in offering housing finance 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 home loans 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.

Instant Home Loans in your city

Tata Capital provides unique and flexible Home Loans for salaried individuals. Now that you know what is a home 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

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team


Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you


Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital


Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.


Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.


Personal Loan | 07 December, 2022

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 8.95% per annum*.

Balance Transfer

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