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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.
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PERSONAL 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.
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PERSONAL 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.
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WEDDING LOAN FUNDING UP TO RS. 25 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.
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LOANS 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.
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AVAIL 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!
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PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS
Thinking 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.
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HOME 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.
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HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES
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.
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CUSTOMISED 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.
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UNDER 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.
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ONE 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.
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LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
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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.
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.
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UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
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!
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VIRTUAL ASSISTANT
There are more than one way to apply for home loan. If you are wondering about how to apply for home loan, you can easily reach out to us in any of the following ways - you can either apply online by simply filling up your basic details, you can also apply offline by visiting your local branch where our executives will guide you throughout the home loan process, you can give us a call at 1860 267 6060, or you can get real time answers to all your questions with our 24/7 virtual assistant - TIA.
VIRTUAL ASSISTANT
Watch this video to find out more about Tata Capital Home Loans. Owning a home is one of the biggest milestones in life. We at Tata Capital believe in making this possible for everyone through our tailored Home Loans. With us by your side, we will help you unlock the door to your new home.
We believe in extending attractive and easy home loans at reasonable interest rates and flexible EMI plans. Our application process is simple and will only take you upto 10 minutes. All you have to do is provide your basic information to us such as your name, age, address, income, etc.
Once you have achieved your home loan eligibility requirements, we will require minimal documentation to process your loan application such as -
Income Proof
Age Proof
Existing loan details (if any)
Photo-Identity Proof
Salary Slips or Business Proof
We have a verification team of our own for document verification. A representative from the team will be sent to your residence to verify the address in person. The verification of other documents such as PAN Card, Aadhar, or Passport will be done using various online portals. On successful verification, we will immediately move on to the next process – inspection of property.
After the verification process, an inspection officer will visit the property that you intend to purchase. Our main intention behind the inspection is to look for any potential problems that you might face later. The inspection gives you and us a closer look at the actual condition of your property. Before closing the loan, you need to be aware of every aspect regarding your property.
Our expert will look at the home’s structure and major features. Given below are some specific areas on which the inspection officer focuses upon
Leaks and seepage of water
Cracks in walls and ceilings
Room sizes
Plumbing check
Electrical systems check
Windows and sidings
Kitchen
If the inspection reveals major issues then you should contact the seller and adjust the sale accordingly.
Our turnaround time is very quick. We have a dedicated team of Credit Managers to respond on time. Once we receive your file, we give you confirmation by issuing a sanction letter specifying the loan amount, rate of interest, loan tenure, among other details.
Disbursal of your home loan is the last stage in the loan process. You will receive the required home loan in your bank account. Your home loan is disbursed as soon as all the formalities are completed and the sanction conditions are met.
Home loans can be availed in one city while the property can be constructed in a different city. It often happens that an applicant lives in one city and works in another. Under such circumstances, this type of home loan requests do arrive and lending authorities would be happy to oblige. However, there is one condition that must be met. Make sure that the bank from which you are taking a home loan must have a branch in the city in which you are about to get your home constructed.
Yes, lenders need to verify all your documents in order to avoid frauds.
In case of Tata Capital, our relationship manager will give you a call for purposes of verification. If it so happens that he gives you a call and you are unable to receive it, he will simply consider it to be a case of ‘no response.’ Hence, it is absolutely crucial to provide valid contact information in the home loan application form.
No, you do not need to physically visit a branch after applying for a home loan online. Once you apply online to get your home loan sanctioned, Tata Capital will send our home loan relationship manager at your doorstep. You can even apply for a home loan via WhatsApp by simply typing ‘Hi’ to 7506756060.
You can check a nearby branch’s location for getting a home loan by using Tata Capital’s Branch Locator. Tata Capital Branch Locator is a service designed to help you locate a nearby branch for our offerings. In the Branch Locator page, simply enter the State, City, and the Product name in the input box for which you are locating a nearby branch. The Locator will instantaneously show you the location and address of the nearby branch. You can even have the details sent to your phone by entering your mobile number.
For further details, contact Tata Capital at 1860 267 6060.
Status of home loan application can be checked in three ways.
Please note that a home loan application differs from place to place based on the lender and their policies.
Yes, the process of home loan application varies among lenders based on their respective policies. The factors on which your home loan application depends on include – Type of Interest, Loan-to-Value (LTV) Ratio, CIBIL or Credit Score, Property Type and Location, Job Profile, and the Loan Tenure.
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