Home Loans By Tata Capital

Buy your dream home today. Pay as your grow with our Flexi EMIs of Tata Capital

When it comes to buying your dream home, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Home Loan with Tata Capital, you have the freedom to repay your way.  


•  Attractive interest rates 

Competitive interest rates on home loans for you so that you can buy your dream home withlowest possible EMI



•  Flexi EMIs with Higher Home Loan Eligibility

Our Flexi EMIs with Higher eligibility make your dream of buying a home that meets your current and future needs come true. Choose from options like Step Up and Bullet repayment.


•  Faster processing & doorstep service

Get an in-principle conditional online approval with minimum documentation for your Home Loan. Our executives will visit your residence and complete the KYC and other documentation process


•  Approved Projects

You can choose from our list of Approved Projects online and get a feel of your dream home before applying for a housing loan with us



Multiple repayment options on your Home Loan by Tata Capital

Step Up Flexi EMI plan


This plan allows you to increase your fixed monthly EMIs every year to match the increase in your annual income. This gradual annual increase helps you repay your home loan without taxing you financially.


Is it ideal for me?


If your EMIs are burning a hole in your pocket, this plan will give you much-needed relief. It gives you the freedom to increase your EMI along with your yearly pay hike. 



Suitable For:


  •  Customers who want a bit more cash in their pockets each month as the monthly payments tend to be lower


  •  Customers who foresee a healthy growth in their annual income



•  Bullet Flexi EMI plan


This plan allows you to prepay your loan in parts at periodic intervals. These periodic payments will help lower your Tenure . Moreover, no charges will be levied on these scheduled prepayments.


Is it ideal for me?


If you are expecting a bonus or periodic increments on your regular income, this home loan plan is apt for you. 


Suitable For:


  •  Customers who can periodically repay a large amount on their Home Loans, e.g.: with an annual bonus


  •  Customers who get regular incentives in their income


Features of Tata Capital Home Loans

While structuring home your loan, we take into account your payments, repayments and income streams to arrive at the option that best suits your needs. 


You can use the home loan 


  •  to buy a plot of land for construction

  •  to build a house on already owned land, 

  •  buy a new house/flat, 

  •  to improve/extend your home, 

  •  to purchase resale property or 

  •  to pay off an existing home loan from another financial institution.  


Tata Capital allows you to take a home loan with a co-applicant. The co-applicant to take the home loan can be any family member like your spouse/parents/children/ siblings. Taking a home loan with a co-applicant is beneficial as his/her income will also be considered which will help to enhance your home loan eligibility.


Home Loan Interest Rate & Tenure 

Tata Capital brings to you Home Loans at attractive floating interest rates, starting at 10.15% on online applications and for home loans of upto Rs.25 lakhs. You can avail home loans starting from Rs. 2 lakhs to Rs. 3 crores for residential properties. What’s more, we also offer loan tenure ranging from 12 months to 360 months. Choose from our array of attractive options, based on your specific needs. 


No foreclosure charges are applicable where the  loan is floating interest rate basis and sanctioned to individual borrowers, and where the housing loan is on fixed interest rate basis and pre-closed out of the customers own sources. If the home loan has a fixed interest rate and is pre-closed other than own sources 2% plus taxes will be charged on the principal outstanding and all part payments. 



Home Loans are originated and serviced by Tata Capital Housing Finance Limited and are at its sole discretion. Flexi EMIs are applicable for salaried individuals only. Terms and conditions apply. 


Tata Capital Housing Finance Ltd – PLR


Effective From

10th Dec '13

1st Sep '13

1st Mar '13

1st Oct '11

1st Jul '11


1st Apr '11

20th Dec '10

15th Nov '10

1st Jan '09

* includes all forms of mortgage loans booked under Tata Capital Housing Finance Ltd


Important Information For  Tata Capital

Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance. Customers are requested to read the attached advisory and be aware of misleading advertisements in the newspapers.


Tata Capital Limited is a subsidiary of Tata Sons Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Core Investment Company and offers through itself and its subsidiaries fund and fee-based financial services to its customers.


Tata Capital Financial Services Limited ("TCFSL") is a subsidiary of Tata Capital Limited. The Company is registered with the Reserve Bank of India as a Systemically Important Non Deposit Accepting Non Banking Financial Company (NBFC) and offers fund and fee-based financial services to its customers, under the Tata Capital brand.


A trusted and customer-centric, one-stop financial services provider, TCFSL caters to the diverse needs of retail, corporate and institutional customers, across various areas of business namely the Commercial Finance, Infrastructure Finance, Wealth Management, Consumer Loans and distribution and marketing of Tata Cards.


TCFSL has over 100 branches spanning all critical markets in India.


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