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Home Extension Loan FAQs

Getting Started

Your family is growing, and you need a home that can comfortably house all your needs and aspirations. Now, with the Home Extension Loan, you will be able to expand your home and provide your family with the extra space that they deserve Additionally, you will also get a tax deduction up to ₹ 30,000 under section 24(b) of Income Tax Act, 1961 on the interest payment made towards the Home Extension Loan.

Some of the benefits of the Home Extension Loan are:

  • Flexible EMI repayment options
  • Competitive home loan interest rate
  • Tax benefits
  • Quick and fast approvals
We at Tata Capital incur expenses when we process your loan application irrespective of whether you take the loan or not. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your eligibility and so on. Thus, the processing fee is non-refundable.
Loan Details (Amount& Tenure)
You can take up to 60 months to repay your home extension loan.

The maximum amount that you can get from our Home Extension Loan is customisable to your needs. You can get the Home Extension loan from ₹ 1 lakh to 5 lakhs.

We offer interest rate starting from 8.50% and are highly competitive and affordable.


To be eligible for a Home Extension Loan:

  • You should be in the age group of 21- 65 years
  • You should have minimum two years of work experience
  • You should earn a minimum salary of ₹ 30,000 per month.

You only need to provide basic documents for us to process your Home Extension Loan. Here is the list: 

Documents Required
Photo Identity Proof (Any One) Voter ID /Passport/Driving License/ Aadhaar card/
Address Proof (Any One) Ration Card/Electricity Bill/ Passport
Bank Statements Bank statements for the last three months
Employment Certificat A certificate stating two years of continuous employment 
Salary Slips Salary slips for the last three months 
Flexible EMI Plans
  • Standard EMI Plan

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 loan period.

ideal if  - You have a consistent income.

  • Step Up Flexi EMI Plan

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 loan eligibility

2. Pay more when you can afford

3. Helps to manage income flow efficiently.

ideal if - you expect your income to increase at regular intervals.

  • Step Down Flexi EMI Plan

Step Down Flexi EMI Plan offers flexibility to pay higher EMIs in the beginning and lower ones at the end.

1. Reduces interest substantially

2. Helps in finance management

3. Provides higher eligibility.

ideal if - you have a high disposable income.

  • Bullet Flexi EMI Plan

Bullet Flexi Plan allows you to pay principal in parts along with EMIs.

1. Higher Rural Housing Finance eligibility

2. Reduces interest substantially

3. Regular EMI payment. 

ideal if  - you receive periodic incentives at work.

Know How It Works

Your ideal home is just a few clicks away. You have to fill in a simple form upload the requisite documents. Your application will be reviewed and you will receive approval in no time.


Apply online through our website.

Mobile App

You can apply for the Home Extension Loan through our mobile app. Our mobile app will also help you keep an eye on your home extension loan balance.


Our customer support team is happy to help you, call us on customer care number at 1860 267 6060 from Monday to Saturday 9 am to 8 pm. You can request a call back too.


Walk into your nearest branch and apply for a Home Extension Loan.