All you need to know
Personal loans for all your needs
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit ScoreHome loans with instant approval starting
@ 8.95% p.a
All you need to know
Home loans for all your needs
Calculators
Business loans to suit your growth plan
All you need to know
Business loans for all your needs
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
Know MoreAll you need to know
Explore Used car loans
Calculators
All you need to know
Calculators
Avail Loan Against Securities up to ₹40 crores
All you need to know
Explore Loan Against Securities
Calculators
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit ScoreAvail Loan Against Property up to ₹3 crores
All you need to know
Loans for all your needs
Calculators
All you need to know
Loans for all your needs
Shop with our QIK EMI card at authorized dealerships and repay with easy EMIs
Know MoreAll you need to know
Calculators
Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
An Instant way to fund your larger expenses
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. A top up loan on a home loan is a multi-purpose loan that can be used for any purpose.
For example, if the property builder overshoots the initial budget and you need money to fulfill this price gap, you can opt for a housing loan top up. With Tata Capital, you can avail of a home loan top up and pay for your various requirements, such as buying furniture, extending or renovating your house, and planning the interiors of your house.
A top-up loan on a home loan allows you to avail of financing at lower interest rates and meet your additional financial requirements. Here are the reasons why you opt for a housing loan top up:
The eligibility for top up home loan varies from one lending institution to another. Therefore, you must confirm your home loan top-up eligibility with your lender before approaching it for a top-up on your home loan.To get a top-up home loan with Tata Capital, you must fulfill the following eligibility criteria:
You must be an existing customer with us. This means that you must have already taken a home loan from Tata Capital
Your home loan payment history should not reflect any outstanding dues or defaults on EMIs
You should have a good credit score, preferably over 750
Note that our home loan top up eligibility may differ from case to case based on the customer’s profile. Hence,
you may need to fulfill some additional eligibility requirements to avail of a home loan top-up with us.
Applying for a home loan top up with Tata Capital is easy and convenient. All that you have to do is follow the steps mentioned below:
Once you complete these steps, your home loan top-up amount will be transferred directly into your bank account.
A home loan can help you purchase or construct your dream house without worrying about the requisite finances. At Tata Capital, we understand your housing finance requirements and provide you with the best home loan.
Some benefits of a Tata Capital Home Loan include:
Tata Capital Home Loans are tailored to help you meet all your housing finance requirements. You can use our home loans for the following purposes:
Yes, you can cancel your home loan even after it has been sanctioned. However, the lender may not refund the home loan processing fees that are charged during the home loan sanction process.
If you want to cancel your home loan after receiving your loan sanction letter, you can write to us or contact us on our helpline number. But make sure you do this well before the loan is disbursed.
Yes, you can extend your home loan tenure as long as it is within the maximum loan tenure offered by your lender. At Tata Capital, we offer home loans with maximum tenures of up to 30 years.
By extending your home loan tenure, you can reduce your EMI burden. To increase your home loan tenure, you can contact us on our customer helpline number or visit your nearest Tata Capital branch.
Some common reasons for the rejection of a home loan could be:
If your home loan application is rejected by the lender, find out the exact reason behind it. If a low credit score is responsible, take steps to improve your credit score before reapplying. Also, make sure you check your home loan application thoroughly before submitting it.
At Tata Capital, we provide two types of home loan repayment plans – Standard EMI Plan and Step-Up Flexi EMI Plan. The Standard EMI Plan allows you to pay fixed EMIs for your entire home loan tenure. On the other hand, the Step-Up Flexi EMI Plan offers greater flexibility for housing loan repayment. With the latter option, you can choose to pay lower EMIs initially and then increase them gradually as your income increases.
With Tata Capital, you can apply for a home loan in the following ways:
To apply for a Tata Capital Home Loan online, follow these steps:
Submitted successfully
Be investment ready in minutes by signing up with the Tata Capital Moneyfy App. We are here to make mutual fund investments simpler for you.
SMS sent successfully!
An SMS has been sent to XXXXXXX051
Click on the link in the
message
to download the Moneyfy App.
Looking for a seamless loan experience? Get the Tata Capital Loan App and Apply for loans, Download Account Statement/Certificates, Track your requests & much more.
SMS sent successfully!
An SMS has been sent to XXXXXXX051
Click on the link in the
message
to download the Moneyfy App.
Thank you for subscribing
We will send news and updates to your registered email ID
rahul.sharma@gmail.com
Uh oh, something went wrong
Please try again later.
.svg){kind=small}
Click allow button to receive notifications
SMS sent successfully!
