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Getting Started

We know that buying a home is one of the biggest investments you will make. We at Tata Capital understand the need for everyone to have a place called home. You can take a Home Loan for the following purposes:

  • Buy a plot of land or property and construct a house on it
  • Buy an already constructed house or apartment
  • Renovate your home (Home Improvement) or home repairs
  • Add new built-up area to an existing house (Home Extension).

Some of the benefits of the Home Loan are:

  • Flexible repayment solutions
  • Lower home loan interest rate
  • Tax benefits
  • Door to door services.

Our Home Loans are tailored to help you cover costs across your housing needs. The Home Loan can be used for the following reasons:

  • Buy a new home/apartment
  • Buy a plot/or build a house on it
  • Remodelling
  • To add new built-up area.

Yes, a sanctioned home loan can be cancelled. However, the processing fees charged during the home loan sanction process will not be refunded. If you want to cancel your loan after receiving your home loan sanction letter, write to your lender. Make sure you do this well before the loan’s disbursal.

Yes, you can extend your home loan tenure as long as it is within your lenders’ terms and conditions. At Tata Capital, the home loan maximum tenure is 30 years.

By extending your tenure, you can reduce the burden of EMIs. You can contact your lender or visit their branch to apply for a tenure extension.

Some common home loan rejection reasons are unmet eligibility criteria, low income, low credit score, and incomplete or incorrect details in your loan application.

If your application was rejected, find out why. If needed, wait for your income and credit score to improve and apply again. Make sure you check your application thoroughly before submitting. 

Loan Details (Amount & Tenure)

You can take up to 30 years to repay your housing loan.

You can apply for Home Loan from ₹ 5 lakhs to ₹ 5 crores. The maximum amount is subject to 80% of the market value of your property.

Our interest rates begin from 8.95%* and are highly competitive. We offer concessional interest rates to women beneficiaries. Additionally, we provide subsidized home loans to low income groups under PMAY subsidy.

You can apply for maximum of ₹ 5 crores as loan amount. However, there is an overall cap that the loan amount cannot exceed 80% of the market value of the property in consideration.

No. The processing fee is non-fundable as we incur expenses when we process your Home Loan application. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your home loan eligibility and so on.

Our repayment mode includes -

  • Post Dated Cheques (PDCs)
  • Electronic Clearance Service (ECS) facility, where the Equated Monthly Instalments (EMI)) are periodically debited from your account with your consent.

We give you flexibility to decide whether to opt for Fixed Rate Home Loan or Home Equity Loan for the initial term of three years which will get auto converted into Floating Rates at the end of three years.

As per the under-construction contract, you will be required to take the disbursal in tranches (i.e. as and when the builder demands funds on completion of specified slabs of the building). Simple Interest on your tranche payments, for up to two years, is chargeable on a monthly basis till the property reaches a specified stage as agreed upon between the parties. On completion of this stage, the regular EMI option is activated.
Maximum of 30 years is provided to repay a loan. This is subject to retirement age of the borrower or 65 years in the case of self-employed applicant.
Home Loan is disbursed in full for outright purchase of ready-to-occupy property, as soon as all the formalities are completed and the sanction conditions are met. For under-construction project, the disbursement will be in instalments, based on the construction stage/level.
Home loans are meant for the special purpose of providing housing facility to individuals at affordable costs. Whereas through Loan Against Property, funds could be raised for business/personal purpose, generally targeted at business expansion/infusion of working capital in the current business or to meet personal requirements.

You can reduce your housing loan tenure by:

1. Increasing your EMI

2. Making a part pre-payment of your housing loan, or

3. A combination of these two (step 1&2)

To reduce your loan tenure, please visit the nearest loan serving branch. After the change in EMI, you should submit new Electronic Clearance Service (ECS) mandate/Post Dated Cheques (PDCs) with the updated amount.

The processing fee for a Home Loan may vary, but it will not exceed 2% of the total home loan amount. We charge you a processing fee to cover fixed legal and technical verification cost. It is the cost charged by the empanelled agencies.

You can take a top-up loan on your Home Loan once your eligibility meets our predefined terms and conditions. 

Copies of your loan agreement are dispatched along with the welcome letter. In case you require an additional copy, please call us on 1860 267 6060 or email us at

Home Loan statement of accounts and the Provisional interest certificate are available on the customer portal. Your customer log in details are provided in the welcome letter.

Following are the foreclosure charges for a loan:

Home Loans

Party to  The Agreement
Foreclosure Charges
  Partial Prepayment Charges
  Closure By Own Funds
Closure By Balance Transfer
Closure By Own Funds
Floating Rate Scheme  All Individuals  No Charges No Charges No Charges
  Individual/Non individual 2% + Taxes 2% + Taxes 2% On prepaid amount over 25% of principal outstanding (O/S)
Fixed Rate Schemes  Individuals/Non Individuals No Charges 2% + Taxes No Charge


Home Equity

Rate Party to  The Agreement Foreclosure Charges   Partial Prepayment Charges
Description   Closure By Own Funds Closure By Balance Transfer Closure By Own Funds
Floating Rate Scheme  All Individuals  No Charges No Charges No Charges
  Individual/Non individual 4% + Taxes 4% + Taxes 4% On prepaid amount over 25% of principal O/S 
Fixed Rate Schemes  Individuals/Non Individuals No Charges 4% + Taxes 4% On prepaid amount over 25% of principal outstanding (O/S)