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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

New Commercial Vehicle Financing

  • First time user
  • Retail and strategic Clients

Used Commercial Vehicle finance

  • Repurchase
  • Refinance
  • Top up
  • Balance Transfer

Get Home Loan Online Up to ₹5 Crores*

Tata Capital offers home loans up to ₹5 crores* with a low interest rate starting from just 8.75% per year. Enjoy a seamless online application process, minimal documentation, and instant provisional sanction. With loan terms of up to 30 years, Tata Capital ensures your journey to homeownership is smooth and stress-free.

  • Loan amount offered

    Up to ₹5 crores*

  • Loan tenure

    Upto 30 years

  • Interest rate starting @

    8.75%* p.a.

Home Loan EMI Calculator

Calculate the Monthly EMI for Your Home Loan

Loan amount

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years
Loan duration
12 Months 72 Months

Rate of interest

%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

Total Amount Payable

Total Interest Payable

Home Loan Eligibility Criteria

Are you unsure about your eligibility for your dream home loan? We offer easy online checks to see if you qualify for up to Rs.5 crore*.
 

Eligibility Criteria Details
Age Specifications Applicants aged 21–65 years are eligible
Income Criteria Stable income required. Use our EMI or home loan eligibility calculator for details.
Loan Tenure 5-30yrs
Employment Profiles Open to salaried employees, self-employed professionals, and entrepreneurs.
Credit Health A good credit score is essential for loan approval, reflecting financial discipline and creditworthiness.

Home Loan Interest Rates and Charges

Discover Home Loan Interest Rates and Charges below
 

Particulars Salaried Self-Employed
Loan amount ₹ 5 lakhs to ₹ 5 crores ₹ 5 lakhs to ₹ 5 crores
Loan tenure Up to 30 years Up to 30 years
Interest Rate 8.75% per annum Starting rate @ 8.85%
Required documents

Click here for details 

Click here for details

Online Eligibility Check

Click here to check your eligibility

Click here to check your eligibility

Eligibility criteria Min. salary of Rs. 30,000 with at least 2 years of work experience 3 years of experience in the same business
Co-applicant tax benefit Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C Separate tax deductions of up to Rs. 2L under sec. 24 of the IT Act. Claim deductions of up to Rs. 1.5L under sec. 80C
Processing fees Starting @ 0.10% of Loan Amount + GST Starting @ 0.20% of Loan Amount + GST
Foreclosure Charges No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds No charges when you prepay your home loan with your funds. Nominal charges when you pre-pay your home loan using others’ funds
Delayed EMI Payments 2% over and above the prevailing housing loan interest rate for the delayed period 2% over and above the prevailing housing loan interest rate for the delayed period
Other Charges

Check collection agency and legal charges 

Check collection agency and legal charges 

Home Loan Documents

Availing a home loan requires providing documents to verify your identity, income, and the details of the property. This helps us process your loan smoothly and tailor it to your needs. Here are the documents you need:

  • Identity proof or KYC documents such as Aadhaar card, Passport
  • Proof of residence
  • Salary slips, Bank statements, ITR for proof of income
  • Property documents or sales deed

Features and Benefits of Tata Capital Home Loan

  • Loan Up to 5 Crore*

    Get a loan of up to Rs.5 crore* to finance your dream home.

  • Low Interest Rates

    Low interest rates starting at just 8.75% - tailored to YOUR situation for affordable homeownership.

  • Approval in 48 Hours

    Fast and streamlined online application for quick loan approvals - no waiting around!
     

    Tenure Up to 30 Years: Choose a repayment term that works for you - from 5 to 30 years.

  • Easy Application

    Use our handy online calculator to see what you can qualify for upfront, making the application process a breeze.

  • Flexible Financing

    Whether you're looking for a new property, an under-construction dream home, land, or that perfect extension, we've got options for all your needs.

  • Hassle-Free Processing

    Our efficient loan processing gets you funded quickly and smoothly.

  • Co-applicant Benefits

    Co-applicant housing loans enhance eligibility, secure lower interest rates, facilitate loan repayment, and provide higher tax benefits under Income Tax Act sections 24 and 80C.

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Avail TATA Capital loans directly from WhatsApp

How to Apply for Home Loan in Just 5 Steps

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Step 1

Enter your basic details

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Step 2

Check your eligibility

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Step 3

Pay the processing fee

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Step 4

Upload Documents

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Step 5

Get Provisional Sanction

Dos and Don'ts While Applying for a Home Loan

Dos Don’ts
Ensure you meet the Loan criteria to avoid rejection. Read the loan agreement thoroughly to avoid surprises.
Have all required documents ready to avoid delays. Consider the lender's reputation and services, not just interest rates.
Be sure you can manage the EMI, even in emergencies. Avoid applying to multiple lenders at once to protect your credit score.
Understand every clause; ask questions if unclear. Avoid overspending or missing EMIs.

Get Home Loan in Your City

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Home Loan in Vishakhapatnam

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Home Loan in Ahmedabad

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Home Loan in Surat

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Home Loan in Delhi

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Home Loan in Kolkata

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Home Loan in Chandigarh

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Home Loan in Lucknow

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Home Loan Repayment Options

Here’s an breakdown of Tata Capital's house loan repayment options:

Standard EMI Plan

 

  • Consistent Payments: Pay the same amount every month until your loan is fully repaid.
  • Ideal for Fixed Incomes: Perfect for those who prefer stable monthly payments throughout the loan tenure.
Step-Up Flexi EMI Plan

You can pay lower EMIs in the beginning and then increase them gradually.
 

  • Start Small, Grow Gradually: Begin with lower EMIs and increase them as your income grows.

  • Save on Interest: This plan helps you reduce interest costs and pay off your loan faster.

  • Exclusive to Tata Capital: Enjoy the unique flexibility of managing your loan payments as your financial situation improves.

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

Service provided by Manoj Patel in Surat vesu Branch was helpful and because of his support we were able to close loan.

Prakash Patil

Home Loan | 23 Aug, 2024

Excellent A1 Services. The Lady at the Customer Desk is very Cooperative and helpful so that my work completed without the time frame. The name of the Lady is Amruta Pathak. God bless her and her family. Thanks and Regards for the entire team of Tata Capital.

Nandlal Lal Arora

Home Loan | 13 Aug, 2024

Very good & prompt service, and we have spoken to Mr. Manish also, and he always helps us to provide our request. Thank you, Ms Apurva Shende & Manish Padwal

Farhang Ahmed Azar

Home Loan | 24 Jul, 2024

I'm happy with the service and the help I got earlier for foreclosure letter. Thank you so much & thanks to Alisha mam for her guidance.

Akshay Anil Pawar

Home Loan | 17 Jul, 2024

Special thanks to Mr. Avinash for his help rendered with full commitment to his job, answering the queries to me clearly, and follow up so that the work is done in given time to get customer satisfaction.

Hannah Grace

Home Loan | 02 Jul, 2024

Mr Avinash who handled my case is well experienced and has courtesy for customers' concerns. However, some of the Tata Capital products are very expensive when compared to other banks' ones!

Mohammed Shakeel Urrahman

Home Loan | 28 Jun, 2024

Start to end of my loan process was simple and guidance of your team members were to the point. My last communication was with Mr. MANOJ PATEL from surat branch he was very polite and helpful.

Anamika Vijaykumar Tiwari

Home Loan | 20 Jun, 2024

We extend our heartfelt gratitude to Mr. Pravin Sagare, Senior Officer of Customer Service, for his exceptional service. His remarkable demeanor and professionalism during telephonic interactions with customers have been truly outstanding. Over the past two years, we have utilized various services, yet none have matched the quality provided by Mr. Sagare. We are deeply impressed by the exemplary service, due to this reaons we has influenced our decision to obtain a second home loan from TATA Capital Housing Finance Limited.

Avinash Vasantbhai Bhesaniya

Home Loan | 07 Jun, 2024

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 Mar, 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 Affordable Housing Loan
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 Home Extension Loan
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 Home Loan for Self-Construction
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 Home Loan Top-up
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 Home Loan Overdraft
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 Quick Cash
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 8.75% per annum*.

Balance Transfer Balance Transfer

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