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₹45 Lakh Home Loan EMI

Embarking on the journey to homeownership with a ₹45 Lakh home loan is a significant financial decision that demands careful consideration. At Tata Capital, we strive to empower you with the information needed to make informed choices. Let's delve into the details of ₹45 Lakh Home Loan EMI, interest rates, and the essential steps to secure your dream home.

₹45 Lakh Home Loan EMI Details

Understanding the intricacies of Equated Monthly Installment (EMI) is pivotal in managing your finances during the tenure of the home loan. The ₹45 Lakh Home Loan EMI is determined by factors such as the loan amount, home loan interest rate, and tenure. This knowledge is fundamental in planning your monthly budget effectively.

45,00,000 8.75% 5 years 55,65,526
45,00,000 8.75% 10 Years 67,53,127
45,00,000 8.75% 15 Years 80,71,635
45,00,000 8.75% 20 Years 95,09,648
45,00,000 8.75% 30 Years 1,26,86,739

Disclaimer: The aforementioned values, calculations, and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.

₹45 Lakh Home Loan EMI Calculator

Our user-friendly home loan EMI calculator simplifies the financial planning process for your ₹45 Lakh home loan. By inputting the loan amount, interest rate, and tenure, you can visualize your monthly EMI. This tool is designed to empower you to explore different scenarios, ensuring that your EMI aligns with your budget constraints and long-term financial goals.

₹45 Lakh Home Loan Interest and Other Charges

Beyond the EMI, understanding the interest rates and additional charges is crucial. Tata Capital offers competitive interest rates to ensure the affordability of your home loan. Additionally, it's essential to be aware of other charges, including processing fees, prepayment charges, and late payment fees, which contribute to the overall cost of the loan.

  • Enjoy competitive interest rates

  • Choose your desired loan amount

  • Flexible options for EMI

  • Pre-close your loan at your convenience

How to Apply for ₹45 Lakh Home Loan

Securing a ₹45 Lakh home loan with Tata Capital is a streamlined process designed for your convenience. Follow these straightforward steps to initiate the journey towards homeownership:

  • Online Application: Visit our website and complete the user-friendly online application form with accurate details.

  • Document Submission: Upload the necessary home loan documents, including income proof, KYC documents, and property-related papers.

  • Verification: Our dedicated team will verify the provided information, ensuring a smooth and efficient approval process.

  • Approval: Once approved, proceed with the loan agreement and subsequent disbursement.

₹45 Lakh Home Loan Eligibility & Documents Required

Determining your home loan eligibility is the first step in the home loan application process. Factors such as income, age, and credit score play a role in this assessment. Additionally, you'll need to submit specific documents to support your application, including:

  • Proof of Identity: Aadhar card, passport, or driver's license.

  • Proof of Address: Utility bills, rental agreement, or voter ID.

  • Income Proof: Salary slips, income tax returns, or Form 16.

  • Property Documents: Sale deed, property agreement, or construction agreement.

Age Proof Age Proof
Photo Identity Proof Photo Identity Proof
Address Proof Address Proof
Income Proof Business Proof
Existing Loan Details Income Proof
Processing Fee Cheque Existing Loan Details
Processing Fee Cheque

₹45 Lakh Home Loan EMI for 5 Years, 10 Years, 20 Years

Tailoring your home loan tenure is crucial to align with your financial capacity. Let's explore the EMI for a ₹45 Lakh home loan across different tenures:

  • 5 Years Tenure: Higher EMIs but lower overall interest paid.

  • 10 Years Tenure: Balancing affordability with a moderate interest payout.

  • 20 Years Tenure: Lower EMIs with a higher overall interest outlay.

5 years 55,65,526
10 Years 67,53,127
15 Years 80,71,635
20 Years 95,09,648
30 Years 1,26,86,739


A  ₹45 Lakh home loan is a significant step towards realizing your dream home. Utilize our EMI calculator, understand the interest rates and charges, and follow a straightforward application process. Tata Capital is your trusted partner in achieving homeownership, committed to building a secure and happy home for you.

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