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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%
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%
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 NowWEDDING LOAN FUNDING UP TO RS. 35 LAKHS
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
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
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 NowThinking 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
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%
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
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%
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.
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
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 NowNothing 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 NowWith 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
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
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 MoreA 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 MoreTata 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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Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
WEDDING 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
WEDDING 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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A home loan eligibility calculator lets you calculate the amount of home loan you are eligible to borrow by taking various factors into consideration.
Worried about whether you qualify to avail a home loan? Tata Capital’s home loan eligibility calculator is designed to make the process of determining home loan eligibility an effortless one for you.
To calculate your Home Loan eligibility, you simply need to enter the following information –
Net Monthly Income
Net Monthly Income is your take-home pay after the employer has deducted taxes and other deductions. For self-employed individuals, the amount that remains after taxes have been deducted from their Gross Income will be their Net Income.
Monthly Obligations
Fixed monthly obligations are those payments that you need to make on a monthly basis. These monthly obligations do not include statutory deductions such as Provident Fund and taxes, and deductions on investments such as insurance premiums, recurring deposit, etc. Other loans that are not home loans do come under monthly obligations.
Rate of Interest
The rate at which interest will be charged on your home loan amount.
Tenure (in Months or Years)
Tenure is the period within which you are obligated to repay the entire home loan amount including the applicable interest.
Once done, the calculator will show the maximum loan amount that you are eligible to borrow as well as the EMI per month at the selected rate.
Factors that Affect Your Home Loan Eligibility
Age
Since home loan eligibility is estimated for a particular period called the ‘tenure’, the age of the applicant also comes into consideration. Generally, younger applicants are granted longer term home loans as compared to those nearing their retirement age.
Income
This is self-evident. The income of an individual will determine the amount the lender will be willing to lend out as loan. The higher an individual’s income, the greater will be the loan amount that he can procure.
Type of Employment
Yes, the type of your employment will have a lot of say on your home loan eligibility. Tata Capital will ask your background, whether you are a salaried employee, self-employed professional, or a self-employed non-professional.
CIBIL Score/Credit Score or Payment History
Based on your credit history, a Credit or CIBIL Score is assigned to you. This credit score or payment history is used to determine how well you handled past liabilities and how likely you are to repay the loan.
Qualification and Experience
Your academic credentials and work experience also matter when it comes to home loan eligibility. Higher academic credentials and impressive work experience increase your chances of getting a home loan sanctioned.
Calculating home loan eligibility is a matter of seconds with Tata Capital home loan eligibility calculator. Once the page opens, you simply need to adjust the net income (monthly), monthly EMI obligation, rate of interest, and tenure using the respective sliders. You can even enter the numbers or increase and decrease them using the ‘+’ and ‘-‘options. Once done, the calculator will automatically display the resulting home loan eligibility amount.
Home loan eligibility calculator is different from home loan EMI calculator in that it is used to calculate the loan amount that a home loan applicant is eligible to apply for whereas a home loan EMI calculator gives the accurate amount of EMIs or Equal Monthly Instalments that the applicant will have to pay every month to repay the home loan at the given tenure and rate of interest.
You can boost your home loan eligibility in the following ways –
Opt for a Longer Tenure
Pre-pay Your Existing Loan
Improve Your CIBIL Score
Add Another Source of Income
Apply for Joint Home Loan
Open Account with the Chosen Lender
Consider Step-up Loans
The following factors help in determining your home loan eligibility – Age, Academic Qualifications and Work Experience, Monthly Income, Type of Employment, and CIBIL or Credit Score.
Age – Must be between 24 to 65 years
Academic Qualifications and Work Experience – The greater your academic qualifications and more impressive your work experience, the higher your chances of procuring home loan
Monthly Income – The higher your monthly income, the higher your chances of getting a home loan
Type of Employment – Whether a salaried individual or a self-employed individual
CIBIL or Credit Score – Ideally, 750 or higher
Generally, home loan lenders will consider 40% to 50% of your monthly income as available towards the repayment of your home loan. Naturally, the proportion of amount that can be set aside for the monthly repayment of home loan will increase with an increase in income. So, the higher your income, the greater will be your home loan eligibility and vice-versa.
* Offer applicable only for customers availing a Home Loan via the online Home Loan application process.