Get the Tata Capital App to apply for Loans & manage your account. Download Now


Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

Home Loan advantages in Surat

Burgeoning job and academic opportunities

Surat accommodates more than 90% of the world’s diamonds and has the biggest hub for diamond cutting, refining, and polishing. But that’s not it! The city is also home to over 300 dyeing and printing mills and silk fabric and cotton mills. Along with that, Surat houses an IT sector with job opportunities in a range of industry verticals.

That’s why millennials are choosing to settle down in the city. With easy access to home loan in Surat, property buying is easier as well. Besides that, the Silk City of India also offers excellent options for pursuing higher studies, thanks to the presence of numerous top colleges and universities.

High quality of living

With a well-established economy, Surat packs the perfect blend of tall buildings, picturesque beaches, and greenery. What’s more, the residential localities are looked after well by the residents and administration alike. This way, the city’s quality of life is top-notch when combined with the availability of affordable housing loans in Surat.

  • Loan amount offered

    ₹5,00,000 - ₹5,00,00,000

  • Loan tenure

    Upto 30 Years

  • Interest rate starting @

    9.15%* p.a.

Features of Home Loan in Surat

Tata Capital offers instant home loans so you can easily purchase or build your dream house. Here are some features of a home loan in Surat:

Competitive interest rates

Tata Capital offers some of the lowest interest rates on home loans in Surat. So, your monthly instalments are much more manageable, and repayment costs are low.

Get the Right Loan Amount for Your Needs

With Tata Capital, you can take a loan of Rs. 2 Lakhs to Rs. 5 Crores depending on your housing needs. You can use our Home Loan Eligibility Calculate to calculate the amount you will be eligible to borrow.

Flexible Tenure

Tata Capital ensures loan repayment is not a burden on your shoulders. You can opt for a flexible tenure of up to 30 years and easily repay the loan.

Secure Investment

Getting a house in Surat is a secure investment. The city is a hub of the diamond and textile industry. At the same time, it houses an IT sector with ample career opportunities. So, a house in Surat is an investment that can be your valuable asset.

What are Interest Rates for Home Loan in Surat?

The rate of interest, typically expressed as a percentage, applies to your home loan in Surat. It is the rate at which the interest gets charged on your principal loan over the specified loan term. The home loan interest amount tells you how much you’ll pay over and above the borrowed sum during repayment.

When looking for the lowest home loan rates in Surat, compare multiple lenders and their lending terms before aggreging to a loan offer. Since interest rates directly impact your monthly instalment and the overall repayment costs, choosing the right lender is a must. Moreover, with interest rates at an all-time low, this is the right time to make a property purchase.

Tata Capital provides the most affordable home loan interest rates in Surat, starting at 8.95%* at minimal documentation requirements, easy-to-fulfil eligibility terms, and quick processing. With us, you can avail of a housing loan in Surat at competitive rates of interest to easily buy your desired home.  

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

To avail a Tata Capital Home Loan in Surat, you must meet the basic home loan eligibility criteria:

  • You should be aged between 24 to 65

  • You must be salaried or self-employed

  • Work experience for a salaried professional is two years along with a monthly salary of Rs. 30,000
  • As a self-employed individual, you need three years of work experience in your current field
  • Your credit score should be 750 or more

Use our Home Loan Eligibility Calculator to quickly determine your home loan eligibility.

What are the documents required to avail a Home Loan in Surat

Age proof

Passport, Driving License, PAN Card, Birth Certificate

Address Proof

Bank Statement/ Voter ID

Identification Proof

Aadhar Card/ PAN Card/ Voter ID/ Driving License/ Passport

Income Proof

Bank account statement for the last six months for salaried professionals and self-employed individuals: last three years' Projection Statement / Six months statement from current account

Processing Fee Cheque

Property Documents

How to Calculate EMI for Home Loan Online?

 Before you apply for a home loan in Surat, it’s prudent to figure out your repayment amount in advance. The total sum depends on your rate of interest applicable, loan term, and the amount borrowed. Since you repay the loan with EMIs, you should have a fair idea of how much you’ll shell out on a monthly basis during the repayment tenure.

Before applying for a housing loan in Surat, you can use a home loan EMI calculator available online to get hold of your interest payable along with your future EMIs. This way, you can create a monthly budget and chalk out the expenses you will incur while repaying your loan.  

Calculating home loan EMI in Surat is important because housing loans typically extend over terms worth 15-30 years. Here, the total interest sum turns into a sizeable cost. That's why knowing your home loan repayment costs in advance helps you comfortably close the loan on time.

How to apply for a Home Loan online in Surat?


Firstly, fill the digital application form with your personal, occupation, loan, and property details. This helps us check your loan eligibility.


After you apply for housing loan in Surat, we process your loan application to extend a suitable loan offer. Upload the required documents. 


Our experts now conduct document verification and property assessment to generate your e-sanction letter. Download this letter.


Finally, we approve your loan and sanction the desired amount. This amount reaches straight into your account.

Other Ways to Apply for a Home Loan in Surat

  • Customer care: 18602676060

  • Email –

  • Registered Branch – TCHFL, Office No 102, 103 and 208, 209, 210, 211 & 212, 1st and 2nd Floor, Eco Futurz, New Citylight Road, City Light, Surat – 395007