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Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Wedding Loan
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
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 Loans
Loan Against Property
Two Wheeler Loan
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Wedding Loan
WEDDING LOAN FUNDING UP TO RS. 25 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 6.90%
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
Two Wheeler Loan
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
Two Wheeler Loan
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.
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Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
GENERAL INSURANCE
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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:
Some of the benefits of the Home Loan are:
Our Home Loans are tailored to help you cover costs across your housing needs. The Home Loan can be used for the following reasons:
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 6.90% 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.
Our repayment mode includes -
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.
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 contactus@tatacapital.com
Following are the foreclosure charges for a loan:
Home Loans
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 | 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) |
For your benefit, Tata Capital offers a Credit Cover for life. In the event of an eventuality, the insurer will clear the loan outstanding or the amount insured in favour of Tata Capital and upon clearance of the principal outstanding, the original property document will be handed over to your nominee. However, this credit cover is dependent on an authentic declaration of good health from you. Please read the Terms and Conditions carefully before signing the insurance documents.
Some of the common reasons for change in home loan interest rates are:
To be eligible for a Home loan, you should be above 24 years of age at the time of borrowing and 65 at the time of completion of the Home Loan. If you are a salaried individual, you should earn at least ₹30,000 per month and have a minimum of two years of experience. In case you are an entrepreneur, you should have three years of experience in your current field.
We only need some basic documents to process your Home Loan. Here’s a handy guide to keep in mind.
Age Proof (Any one) |
Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate. |
Identity Proof (Any one) |
Passport, Driving License, PAN Card, Voter ID. |
Residence Address Proof (Any one) |
Utility Bill, Bank Statements, Property Registration Documents, Property Tax Receipt, Voter ID. |
Office Address Proof (Any one) |
Employee ID Card, Appointment Letter, Letter from employer on official letterhead. |
Income Proof for Salaried Individuals (Any one) |
Salary slips for the last three months, appointment letter, yearly increment letter, certified true copy of Form 16. |
Income Proof for Self-employed Individuals (Any one) |
IT returns for the last two years with supportive documents, Business profile on letter head, Registration certificate for business commencement. |
Income Proof for NRIs (Any one) |
Pay slips for the last six months along with employment stability documents such as appointment letter/previous employment history. |
Bank Statements for Salaried Individuals (Any one) |
Bank statement for the last six months from the salary account. |
Bank Statements for Self-employed Individual (Any one) |
Operative current account statement for the last six months, Bank statements for the last six months of CC/OD facilities, if taken. |
Bank Statements for NRI Applicants (Any one) |
Overseas salary account details for the last six months, Indian NRE/ NRO account statements for the last six months |
Credit Report for NRI |
NRI applicants should submit Credit Report of their current country of residence where ever it is applicable as per Tata Capital norms. |
Details of Existing Loan |
Existing loan details should be provided through bank statements. |
Processing Fee Cheque |
To be issued from the salary account for Salaried customer or the business account in case of Self |
Employed customer |
Please provide Aadhaar card details as part of know your customer (KYC) document. |
The advantages of taking a Home Loan from Tata Capital are:
Learn more about the Home Loan Eligibility criteria in detail.
Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined tenure
1. EMI amount remains the same for the entire home loan period.
Standard EMI Plan is ideal if you have a consistent income.
Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMIs in the beginning and as your salary increases you pay higher EMIs.
1. Provides higher Home Loan eligibility
2. Pay more when you can afford
3. Helps to manage income flow efficiently
Step Up Flexi EMI Plan is ideal if you expect your income to increase at regular intervals.
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