Tata Capital Housing Finance
Home Loan

The key details of Tata Capital Housing Finance home loan are mentioned below:

Tata Capital housing loan interest rate may vary depending on the interest rate type (fixed rate and floating rate), loan amount, loan type, borrower’s eligibility, income, credit score, and other factors.

The current interest rates are as mentioned below:

*Final rate of interest may vary based on credit checks, property and other parameters.

Below is the comparison table of Tata Housing Finance home loan interest rates with other top lenders to help you choose the best option:

Following are the processing fees and other charges associated with Tata Capital home loan:

You can calculate your Tata Capital Housing Finance home loan EMI using the home loan EMI calculator. It is a simple and effective tool that helps you evaluate the EMI amount you need to pay every month against your home loan repayment. You can use an online home loan EMI calculator to know your housing loan EMIs within a few seconds.

To calculate your EMI using this online tool, you will need to enter your home loan principal amount, repayment tenure (in months or years), and rate of interest. Your home loan EMI will be displayed instantly. Using the calculator, you will get an idea of the accurate loan amount and tenure so that you can repay your housing loan EMIs without straining your finances.

Tata Capital offers home loans to salaried employees, self-employed professionals, and entrepreneurs. Following are the Tata Capital home loan eligibility criteria in detail:

Eligibility criteria for salaried applicants:

• Age: Applicants aged between 21 to 65 years are eligible for a Tata Capital home loan. 
• Income: Minimum salary of Rs. 30,000 per month.
• Work experience: At least 2 years.
• Credit health: A good credit score (ideally above 750) is essential for loan approval, reflecting the borrower’s financial discipline and creditworthiness.

Eligibility criteria for self-employed applicants:

• Age: Applicants aged between 21 to 65 years are eligible for a Tata Capital home loan. 
• Income: Minimum Rs. 30,000 per month.
• Work experience: At least 3 years of experience in the same business.
• Credit health: A good credit score (ideally above 750) is essential for loan approval, reflecting the borrower’s financial discipline and creditworthiness.

Once you meet the Tata Capital home loan eligibility mentioned above, you have to provide the following documents to verify your identity, income, and property details.

Documents required for salaried applicants:

• Application form with photograph duly signed
• Age proof: A copy of Passport/ Driving License/ Life Insurance Policy/ Birth Certificate/ PAN Card/ School Leaving Certificate
• Photo identity proof: A copy of Voter ID Card/ Passport/ Driving License/ Aadhaar Card/ PAN Card
• Address proof: A copy of Utility Bill/ Bank Statement/ Property Registration Documents/ Property Tax Receipt/ Voter ID Card
• Income proof: Salary Slips of the last 3 months, Salary Bank Account Statements for the last 12 months, Appointment Letter, yearly Increment Letter/ certified true copy of Form 16, Income Tax Returns (ITR)
• Processing fee cheque: To be issued from your salary account
• Existing loan details: To be provided through Bank Statements/ Loan Statements

Documents required for self-employed professionals and non-professionals:

• Application form with photograph duly signed
• Age proof: A copy of Passport/ Driving License/ Life Insurance Policy/ Birth Certificate/ PAN Card/ School Leaving Certificate
• Photo identity proof: A copy of Voter ID Card/ Passport/ Driving License/ Aadhaar Card/ PAN Card
• Address proof: A copy of Utility Bill/ Bank Statement/ Property Registration Documents/ Property Tax Receipt/ Voter ID Card
• Business proof: A copy of the last 2 years ITR with computation of income, your Business Profile on a letterhead/ Business Registration Certificate for business commencement
• Income proof: A copy of the last 2 years Profit & Loss Projection Statement, Operative Current Account Statement for the last 12 months, Bank Statements for the last 12 months of CC/OD facilities (if availed), last 3 years’ CA certified/audited Balance Sheets and Profit & Loss Statements
• Education Qualification Certificate and Proof of Business Existence (for self-employed professionals)
• Processing fee cheque
• Existing loan details: To be provided through Bank Statements/ Loan Statements