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What are the Documents Required for a Home Loan Overdraft ?

Although there are some common documents that everyone needs to submit, the exact documents needed for overdraft may depend on the applicant’s profile. For example, the documents required for home loan for salaried person may be different from the documents required for home loan for a self-employed person.

Below are the documents needed for overdraft loans for different types of applicants:

Documents Required

Documents Required

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

 

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

 

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

 

Income Proof

A copy of your Salary Slips for the last three months, Salary Bank Account Statements for the last six months, Appointment letter, Yearly increment letter, or a Certified true copy of Form 16

 

Existing Loan Details

Existing loan details should be provided through Bank Statements or Loan Statements

 

Processing Fee Cheque

To be issued from your salary account

Documents Required

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

 

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

 

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

 

Business Proof

A copy of the last two years' Income Tax Returns, your Business Profile on a letterhead, or your Business Registration Certificate for business commencement

 

Income Proof

A copy of the last three years' Profit & Loss (P/L) Projection Statement, Operative current account statement for the last six months, Bank statements for the last six months of CC/OD facilities (if taken)

 

Existing Loan Details

Existing loan details should be provided through Bank statements or Loan statements

 

Processing Fee Cheque

To be issued from your business account

Documents Required

Age Proof

A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate

 

Photo Identity Proof

A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card

 

Address Proof

A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card

 

Employment Proof

A copy of your pay slips for the last six months along with the employment stability documents, such as your appointment letter or previous employment history

 

Income Proof

Overseas salary account details for Indian NRE or NRO account statements for the last six months

 

Credit Report

NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms

 

Existing Loan Details

Existing loan details should be provided through Bank statements or Loan statements

 

Processing Fee Cheque

To be issued from your salary account or business account

What our customers say about us

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team

PRAMOD LINGSHETTY PATIL

Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you

G BHASKAR

Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital

SHEELA AVINASH PATEL

Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.

ARJUN KUMAR

Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.

THAKOR BHIMABHAI SHANKARJI

Personal Loan | 07 December, 2022

Find the right Loan for you

Affordable Housing Loan

  1. At Tata Capital, we believe that every single person, regardless of their financial background, deserves a home to call their own.

With this vision, Tata Capital Housing Finance offers affordable home loans at competitive interest rates. 

Affordable Housing Loan

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Home Extension Loan

  1. 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.

Home Extension Loan

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Home Loan for Self-Construction

Instead of buying a ready-to-move-in house, you can choose to purchase a piece of land and construct your house on it brick by brick. 

A home loan for self-construction or simply a home construction loan is a special type of home loan given to help borrowers construct their own house on a piece of land or plot.

Home Loan for Self-Construction

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Home Loan Top-up

A home loan top-up is a facility offered by lenders under which a borrower can take an additional loan over and above their existing home loan.

The home loan top-up facility is available only for existing home loan borrowers without the need for any additional security or guarantee.

Home Loan Top-up

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Home Loan Overdraft

At times, you may need additional funds to tackle your personal or business expenses. 

With Tata Capital’s home loan overdraft facility, you can avail of a home overdraft loan limit of up to Rs. 2 crores. You can withdraw funds from this overdraft housing loan limit as per your needs and then pay it back at your convenience.

Home Loan Overdraft

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Quick Cash

Quick Cash loan is a unique Pre-Approved personal finance top-up linked to your existing Tata Capital Housing Finance Limited (TCHFL) loans. This loan is only for existing TCHFL Home Loan and Home Equity customers.

Apart from its unique features, it also offers other advantages such as faster processing, and a paperless journey, notwithstanding that all this could be availed in just a few clicks at your convenience any day 24*7.

Quick Cash

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Balance Transfer

  1. A home loan balance transfer, or simply a home loan transfer, takes place when you transfer your outstanding home loan amount to a new lender from your existing lender.

With Tata Capital Home Loan Balance Transfer, you can transfer your outstanding home loan balance to affordable interest rates. Our home loan interest rates start from just 7.75% per annum*.

Balance Transfer

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