Get the Tata Capital App to apply for Loans & manage your account. Download Now


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

Affordable Housing Loans by Tata Capital

At Tata Capital, we believe that owning a house is the right of every person, irrespective of their financial background or family income. That is why we have started an affordable housing policy to help people belonging to the low- or mid-income group buy their own houses in India. Under this policy, we provide affordable home loans with reduced interest rates and lower loan amounts.


Our affordable housing loan interest rates start from just 10.10% per annum.

  • Loan amount offered

    ₹ 2 lakhs onward

  • Loan tenure

    Upto 30 years

  • Interest rate starting @

    10.10% p.a.

Lower Interest Rates

The biggest advantage of Tata Capital's affordable housing loan is the reduced interest rate. Our affordable housing loan interest rates start from just 10.10% per annum. The beneficiaries can get a further home loan interest subsidy under the PMAY scheme.

Housing For All

Under our affordable housing policy, we have collaborated with the Government of India to fulfill our dream of housing for all. We provide low income housing loans to those who would otherwise not be able to afford a home.

Easy Repayment

The repayment of a home loan can also be a big task for people belonging to low-income groups. Hence, we offer easy repayment terms on our affordable home loans. Beneficiaries can choose up to 30 years of loan tenure and repay at their convenience.

Doorstep Services

If someone cannot walk to the branch, we will arrange for doorstep services for them. Our executive will visit the beneficiary in person and will guide them about our low income home loan application process.


Avail TATA Capital loans directly from WhatsApp

Eligibility Criteria for an Affordable Housing Loan

To realize our dream of housing for all, we provide affordable housing loans with very easy eligibility criteria. Our affordable home loan eligibility includes: 

  • The beneficiary should not be owning a pucca house in their name anywhere in India

  • In the case of a married couple, either or both spouses in joint ownership will be eligible for a single low income housing loan

  • The beneficiary should not have availed of central assistance under any housing scheme of State or Central Government

Affordable housing scheme for salaried - Features and benefits

We provide low-income home loans for salaried individuals to help them realize their dream of owning a house in India. Below are the features and benefits of our affordable housing loans for salaried people:


Simple eligibility criteria

All government and private employees can avail of our affordable housing loan scheme regardless of their monthly salary. They simply need to meet some basic eligibility requirements in terms of age, property ownership, etc. Additionally, we have different schemes for employees belonging to different income categories.


Convenient repayment options

Our low-income housing loans are specially crafted to make repayments easier for low-income salaried individuals. They can either choose to pay fixed EMIs consistently for their entire home loan tenure or start by paying lower EMIs at the beginning and gradually increase them as they get appraisals. They can also make bullet repayments of their home loan when they receive bonuses or other lump sum payments.


Superfast loan disbursal

Once we receive the application for a low-income mortgage loan, our team of legal and technical experts takes over to initiate a verification process. Upon successful verification, the home loan amount is disbursed to the applicant’s bank account within a few working days.


Suitable loan tenure

Our customers have complete flexibility to choose the tenure of their home loan as per their repayment capability. This facility is of great help for low-income borrowers who do not wish their home loan EMIs to be on the higher side. They can choose a long tenure of up to 30 years to keep their EMIs minimum. On the other hand, someone who wants to pay higher EMIs to save on their interest outgo can opt for a lower home loan tenure.


Buy a house anywhere

Our scheme is available for buying a low-cost house irrespective of its location. So, whether you want to buy a house in the heart of a metro city or on the outskirts of a Tier II city, we are here to help. You can apply for a low-income home loan of Rs. 2 lakh or more and convert your dream into a reality. You can also apply for an affordable home loan to construct a house on a piece of plot in regularized colonies or gram panchayats.


Excellent customer service

We take supreme pride in providing the best services to our customers. They can avail of low-income loan assistance at any time and from anywhere by dialing our customer care number, 1860 267 6060, between 9 AM and 8 PM from Monday to Saturday. They can also visit their nearest Tata Capital branch or write to us at

What are the EMI Plans for Affordable Housing Loans?

To make home loan repayment easier for the beneficiaries, we provide Flexi EMI plans for our affordable housing loans. One can choose from the following EMI plans and repay their home loan at their convenience:

Standard EMI Plan

The borrower is required to pay fixed EMIs consistently for the entire home loan tenure.

Step-Up Flexi EMI Plan

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

Step-Down Flexi EMI Plan

The borrower can pay higher EMIs in the beginning and then decrease them gradually.

Bullet Flexi EMI Plan

The borrower can pay the principal home loan amount in parts along with their EMIs.

Home Assistance Tools

  • Process Guidance Tool

    You can access our Process Guidance Tool to get contextual guidance for the steps that you should follow while buying a housing property.

  • Buying Affordability Tool

    Our Buying Affordability Tool will help you prepare your overall property budget based on your home loan eligibility and cash in hand. This tool will also suggest localities where you can find housing properties in your budget.

  • Property Search Tool

    Our Property Search Tool will help you search for your desired housing property in several property portals under one roof.

  • Documents Checklist Tool

    Our Documents Checklist Tool will help you know your maximum home loan eligibility, the documents required, and the right home loan product for you.

  • TDS Filing Guidance Tool

    Our TDS Filing Guidance Tool will help you calculate the maximum tax deduction against your home purchase. You will also be able to generate Form 26QB.

Available payment options

Available payment options

    Deduction Against Salary (DAS)

    If your employer agrees, you can choose to pay your home loan EMIs directly from your monthly salary. You just need to authorize your employer to deduct the EMI payment from your salary and deposit it with the lender.

    Post Dated Cheques (PDCs)

    You can provide post-dated cheques for the EMI amounts at the time of loan sanction. You can either provide all PDCs for your entire loan tenure at once or issue fresh PDCs periodically but at least three months in advance. We accept this payment option only if the auto debit or ECS facility is unavailable.

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 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