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Personal Loan
Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
Apply NowMARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
Apply NowLOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
Apply NowAVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
Apply NowHome Renovation Loan
Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
Apply NowHOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
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.
Apply NowCUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
PMAY
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Business Loan
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowTwo Wheeler Loan
Nothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
Apply NowLoan Against Securities
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Loan Against Securities
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
VEHICLE LOAN
Used Car Loan
APPLY NOWMutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreConsumer Durable Loan
A better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
Insurance
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreMicrofinance
Tata Capital provides easy Microfinance Loans available at attractive interest rates. Avail a loan up to Rs. 2 lakhs through a simple process with minimal documentation. Get flexible tenures up to 36 months and repay your Microfinance loan EMI as per your convenience.
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Lowest interest rates starting at 8.95%*
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Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Loan Against Securities
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
Two Wheeler Loan
Mutual Fund
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Insurance
Insurance
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Home loan balance transfer takes place when the entire outstanding principal amount of home loan is transferred from an existing lender to a new one offering a lower rate of interest. In such cases, the lender who originally extended the loan gets the unpaid principal amount and the borrower is now required to pay EMIs at the rate offered by the new lender.
The following are the compelling reasons why you should transfer your home loan to Tata Capital –
A Brand You can Trust
Trust is the most solid foundation to build you home upon. And Tata Capital is a companion you can trust. Tata’s trust and legacy gives you the flexibility to build more, and build better.
Interest Rate
Perhaps, the primary reason for home loan balance transfer is lower interest rates offered by the new lender. Because the lower the interest rate, lower will be the EMI that you need to pay for its repayment. Tata Capital’s home loans are one of the most lowest in the market, starting at just 8.95%!
Loan Amount
You need to ensure that the new lender will extend you the amount you need to cover your needs. Tata Capital offers home loans that cover a wide range of Rs. 5 lakhs to Rs. 5 crores.
Loan Tenure
Further, it is important to consider the loan tenure offered by the new lender so that you can pay off your EMIs comfortably. Tata Capital‘s home loans can be taken for a period as long as 30 years!
Processing Fee
Before opting for home loan balance transfer, consider processing fee involved lest the transfer ends up being costlier than before. At Tata Capital, the processing fee is a mere 0.5% of the loan amount!
Home Loan Top-Up
Another thing to consider is whether or not your new lender offers top-up loans over and above your existing home loan that will help you in times of additional needs such as home renovation. Tata Capital provides home loan top-up at relatively lower interest rates to help you meet such additional needs with ease.
To get a home loan balance transfer to Tata Capital, you must meet the following eligibility criteria –
Your property for which you have taken a home loan must either be occupied or at least ready to be occupied
You should not have any outstanding dues on your existing home loan
Note – The eligibility criteria may differ from case to case on the basis of the customer profile
There are other Home Loan eligibility criteria also involved for a Home Loan Balance Transfer with Tata Capital. For further details, please visit our home loan eligibility page.
The following documents are required when you plan to transfer your home loan to Tata Capital –
Age Proof documents – valid Passport/Driving License/PAN Card/Birth Certificate/ Life Insurance Policy/School Leaving Certificate
Identity Proof documents – Voter ID/Passport/Driving License/Aadhar Card/PAN Card
Address Proof documents – Utility Bills/Bank Statements/Property Registration Documents/Property Tax Receipt/Voter ID Card
KYC Documents
Income Proof documents – Last six months’ operative current account statement/copy of the last three years’ P/L Projection Statement/Bank statements for the last six months of CC, OD facilities (if taken)
Foreclosure Letter/Latest Principal outstanding
Home Loan Approval Letter
Interest Certificates from the initial lender
Note – The documents required may differ from case to case on the basis of the customer profile.
Yes, several lenders offer the facility of top-up with home loan balance transfer. Using this unique facility, you can increase your loan limit. The amount of top-up you receive will be based on your eligibility.
A home loan balance transfer calculator is a simple online tool using which you can easily find out the total monthly savings that you can make on transferring the principal balance on your home loan from one lender to the other.
You can enter the relevant details either by adjusting the sliders or by simply entering in the details in the box given for each.
Requested Loan Amount – This is the principal loan amount that you had borrowed from your original lender
Requested Tenure – This is the period (in number of months or years) for which you need the loan from your new lender
Net Salary/Income – In case of net salary, it is the amount of take-home pay left after deducting recoveries and deductions. Net income is the amount that remains after deducting the cost of goods sold from your sales total
Monthly Obligations – is the amount of money that you need to shelve aside to meet necessary commitments and requirements, including EMI payments for other loans
Cost of Property – This is the cost of the home for which you took a loan plus all expenditures required to prepare it for its intended use
Loan Principle Outstanding – refers to the remaining portion of the original loan principal amount plus any interest that accrues on the outstanding principal balance
Existing EMI – refers to the amount of money you pay as monthly EMI for loan repayment with your original lender
Once you enter in the above mentioned information, the home loan balance transfer calculator will display the Balance Transfer Amount and the Total Savings you will be making by getting a home loan balance transfer.
* Offer applicable only for customers availing a Home Loan via the online Home Loan application process.
You have to meet some basic conditions to get a home loan. Our easy-to-use home loan eligibility calculator will let you determine your housing loan eligibility in a quick and seamless manner. You can use our Home Loan Eligibility Calculator to find out your eligibility. To be eligible for Tata Capital Home Loan, you have to meet a few basic home loan eligibility criteria.
Home loan eligibility criteria will further differ depending on whether you are a salaried individual or a self-employed individual
A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate
A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card
A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID
A Copy of your Salary slips for the last three months / Appointment letter / Yearly increment letter / Certified true copy of Form 16
A copy of your Salary account bank statements for the last six months
Existing loan details should be provided through bank statements
To be issued from the salary account for Salaried customer or the business account in case of Self
For self-employed individuals or entrepreneurs, home loan eligibility criteria are such that they have must at least three years of experience in their current field.
A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate
A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card
A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID
A copy of the last two years' Income Tax Returns / your Business profile on letter head / Registration certificate for business commencement
A copy of the last three years' Profit & Loss (P/L) Projection Statement / Operative current account statement for the last six months / Bank statements for the last six months of CC/OD facilities, if taken.
Your existing loan details should be provided through bank statements
To be issued from your business account
For Non-Resident Indians, the following is the home loan eligibility criteria –
Must be within the age group – 24 to 65 years
Must be a salaried individual with at least three years of work experience
A Copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card & School Leaving Certificate
A copy of your Voter ID / Passport / Driving License / Aadhaar Card / PAN Card
A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID
A copy of your pay slips for the last six months along with employment stability documents such as appointment letter/previous employment history
Overseas salary account details for Indian NRE/ NRO account statements for the last six months
NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms.
Existing loan details s