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Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

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Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Home Loan advantages in Chennai

Quick Appreciation

Chennai is a quick-growing city that keeps developing with each passing day. This phenomenon has also led to a quick appreciation of real estate in the city. Simply put, if you buy an apartment in Chennai today, the value will quickly escalate in the near future. 

Rental Income

Given that Chennai offers several job opportunities and boasts several premium educational institutions, you’ll always find professionals and students looking for houses to rent here. This is why taking a home loan in Chennai to buy a good quality home can earn you a significant and steady rental income.

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Up to 30 years

  • Interest rate starting @

    9.15%* p.a.

Features of Home Loan in Chennai

If you plan to get a house in Chennai, Tata Capital offers customized home loans so you can get one. Here are some features of home loans in Chennai.

Attractive Interest Rates

We aim to make home loans affordable for you. With Tata Capital, you get lower interest rates on home loans in Chennai and lower interest rates lower your EMIs so that you can easily buy your dream house.

Easy Eligibility Criteria

Tata Capital has basic eligibility criteria, so your loan is approved quickly, and the amount is disbursed without delay. Use Tata Capital’s Home Loan Eligibility Calculator to calculate your eligibility online.


Whether you dream of an apartment in a high-rise or an independent house, we provide home loans tailored to your housing needs.

Extended Tenure

Tata Capital has you covered if you need more time to repay your loans. We provide extended loan tenure of up to 30 years so that you can repay the loan without any difficulty.

Quick Appreciation

Chennai is a metropolis growing rapidly. As a result, it attracts students and professionals from across the country. A house in the city makes up for a good investment and will become your valuable asset.

What are the Interest Rates for Home Loan in Chennai?

Not sure if you know that home loan interest rates in Chennai and all over India are at an all-time low! So, now is the ideal time to avail of housing finance. Getting a home loan at a low rate of interest will reduce your total EMI cost, and you will be able to borrow more, and home loan repayments won't feel like a burden.

If you’re looking for a credible lending institution to extend one of the lowest home loan interest rates in Chennai, turn to Tata Capital! You can check out our interest rates mentioned below. Know that we try our best to offer you affordable housing finance, that too, at flexible repayment tenures and with minimal documentation.   

What is the Eligibility Criteria for a Home Loan in Chennai?

  • You must be between 24 and 65 years of age

  • Salaried employees must draw a minimum salary of Rs. 30,000 with at least two years of work experience.

  • Self-employed professionals must possess at least three years of work experience in their current field.

  • For NRIs (Non-Resident Indians), the applicant must be a salaried individual with a minimum work experience of three years

Use our home loan eligibility calculator to calculate your eligibility in no time. 

What are the documents required to avail a Home Loan in Chennai?

Age Proof

Driving licence, valid passport, birth certificate, PAN card, school leaving certificate, life insurance policy

Photo Identity Proof

Valid passport, voted ID card, Aadhar card, PAN card, driving license

Residence Address Proof

Bank statements, utility bills, property tax receipt, property registration documents, voter ID card

Business Proof

Registration certificate for commencement of business, your business profile on letterhead, copy of the last two year’s income tax returns

Income Proof

Previous six months’ operative current account statement, bank statements for the previous six months of CC, OD facilities (if taken), copy of the previous three years’ P/L projection statement

Existing Loan Details

Must provide via bank statements

Processing Fee Cheque

Must be issued from your business account

Check out the complete list of home loan documents

How to Calculate EMI for Home Loan Online?

Not sure how much home loan in Chennai can you afford and at what rate of interest? Rid yourself of all dilemmas by calculating your tentative monthly instalment with the help of a home loan EMI calculator.

Using the one available on our website is straightforward! All you need to do is input three values, namely, your total loan amount, tenure, and interest rate, to know the exact EMI you'll pay each month. Don't worry if you're presently not sure of the amount you wish to borrow.

A home loan EMI calculator lets you try different amount, tenure and ROI variations until you reach the ideal one for your borrowing nature. 

How to apply for a Home Loan online in Chennai?


Want to apply for a home loan in Chennai but can't find the time to visit a lender branch? Now you don’t have to! Tata Capital brings a secure, transparent and quick way of applying for housing finance through our online application portal.


Follow four simple steps, and you'll receive your loan approval and amount within a matter of a few days. Click on the "Apply Now" button to start your loan application. Here, you will be asked to fill out your personal information, occupation, property, and loan details.


Once you're done providing us with these essential details and matching our eligibility criteria, we'll ask you to upload certain documents. After you successfully file your application, our loan experts will visit the property site, and if all goes all, we'll provide you with an E-sanction letter.


Receiving this letter means we have approved your loan, and the amount for the same will be transferred to your bank account. With such a hassle-free application process at your fingertips, apply for a housing loan in Chennai with us right away.

Other Ways to Apply for a Home Loan in Chennai

  • Customer care: 18602676060

  • Email –

  • Registered Branch – Centennial Square, 1st Floor, 6A Dr Ambedkar Salai, Kodambakkam, Chennai - 600024.