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About Subsequent Disbursal

If you’ve taken a home loan to buy a fully constructed housing property or a ready-to-move-in house, your house loan amount would be disbursed in full. However, if you’ve taken a housing loan for an under-construction property, your home loan amount would be disbursed in tranches, adhering to the stages of construction of the building. This process is known as subsequent disbursal or tranche disbursal of home loans.

The request for subsequent disbursement of housing finance can be made by a builder who is providing a Construction Linked Payment (CLP) facility for its under-construction properties. Under this facility, the payment for the property has to be made to the builder in tranches or installments upon reaching certain stages of construction of the building. These stages of construction are pre-agreed between the builder and the buyer.

If you’re planning to buy a property with the CLP facility, you can avail of a home loan with subsequent disbursal from Tata Capital. Your home loan EMIs will be calculated only on the disbursed home loan amount.


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Home loans with subsequent disbursals are only available for customers who have booked under-construction properties with the CLP facility. Subsequent disbursement requests can only be made by the builders offering this facility, and the disbursals will be done directly into the builders’ bank accounts.

Tata Capital will verify the stage of construction, payment of customer’s contribution (if any), the overdue status of the loan account, etc., before making home loan subsequent disbursals into the builder’s account. Tata Capital reserves the right to reduce the disbursement amount or reject the disbursement request from the builder on account of non-fulfillment or non-adherence to home loan subsequent disbursement guidelines.

How to Apply

You can visit your nearest Tata Capital branch to place a request for subsequent disbursal of your home loan. You can also request for home loan subsequent disbursal online by following a few simple steps mentioned below:


Log into your account on the Tata Capital website.


Click on the “Customer Services” tab and select the “Subsequent Request” option.


Click on the “Raise New Request” button.


Select your home loan account number and then click on the “Subsequent Disbursement” tab.


Fill in the home loan subsequent disbursal form and upload the required documents.


Go through the terms and conditions and click on the “I Agree” option and enter the OTP received on your registered mobile number to submit your request.


A Service Request Number (SR) will be generated for your house loan subsequent disbursement request. Note down this SR number for future reference.

More Home Loan products for you

Home Loan for government employees

With Tata Capital, you can apply for a home loan for government employees in a few easy steps and get housing finance at competitive interest rates.

Home Loan for self-employed

With Tata Capital, you can apply for a home loan for self employed in a few easy steps and get housing finance at competitive interest rates.

Home Loan for women

With Tata Capital, you can apply for a home loan for women in a few easy steps and get housing finance at competitive interest rates. 

What our customers say about us

I had applied for a home loan at Tata Capital & got the it approved quickly. The process was smooth and sanctioned with sufficient amount with tenure period of 20 yrs.

Sumeet Verma

Home Loan | 14 March, 2022

The submission of my home loan application was very simple and easy. Even the documentation process was very simple and ended in very less time.

Yukta Jaiswal

Home Loan | 11 March, 2022

The customer support service is good as they responded to my queries without any wait time. With their help, my home loan was approved in very less time.

Rashmi Singhania

Home Loan | 28 February, 2022

I got my home loan approved from Tata Capital. The reason behind going with Tata Capital home loan is they were offering home loan at best price and zero processing fee.

Aman Malik

Home Loan | 18 February, 2022

Rate of interest for the home loan is nominal. The processing fee is applicable but even that's nominal.

Chintan Saraiya

Home Loan | 20 October, 2021

The agent explained clearly about the home loan process. There was no hassle in getting the loan.

Ayaz Azmi

Home Loan | 20 October, 2021

I was given a clear picture about the loan process. I am impressed how I was properly notified by the bank and how transparency was maintained.

Kalpana Singh

Home Loan | 20 October, 2021

The processing fee was nominal for my home loan. It was processed hassle free. I am satisfied with the service.

Sridhar Pillai

Home Loan | 20 October, 2021

The process for my housing loan was immediate. Interest rates were normal at X%. The documentation process was hassle free. What else can I expect!?

Kundan Meher

Home Loan | 20 October, 2021

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 Affordable Housing Loan

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.

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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 Home Loan for Self-Construction

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 Home Loan Top-up

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 Home Loan Overdraft

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 Quick Cash

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 8.75% per annum*.

Balance Transfer Balance Transfer