NBFC · Home Loan
Tata Capital Home Loan 2026
Tata Capital Ltd, the Tata group’s lending company into which Tata Capital Housing Finance was merged, offers home loans priced off its own PLR. Interest rate 8.00% – 13.00%, tenure Up to 30 years.
Rates as of 2026 (official) · Checked 27 September 2026Interest rate
8.00%
up to 13.00%EMI on ₹50,00,000 (20 yrs)
₹41,822
Tata Capital Home Loan at a glance
Interest rate8.00% – 13.00%
Processing feeUp to 3% + GST (aggregator offer: ₹999 + GST)
Loan amount—
TenureUp to 30 years
BenchmarkPLR 10.70% (retail, new customers, as of 1 Mar 2026)
Home equityLoan against property 9.50% – 17.70%
Lender typeNBFC
Rank on this site#10 of 17 by starting rate
Strengths
- Separate published bands for salaried and self-employed
- Balance transfer and top-up options
Watch out for
- Fee up to 3%
- Own-PLR pricing — cuts pass through at the lender’s discretion
- Official page quotes two different starting rates
Tata Capital home loan interest rate & charges
| Feature | Tata Capital |
|---|---|
| Interest rate | 8.00% – 13.00% |
| Rate details | Official: salaried 8.00% – 13.00%, self-employed 8.35% – 13.00% (the same page also says “from 8.75%”). BankBazaar / Paisabazaar show 7.50% onwards through their channels. |
| Processing fee | Up to 3% + GST (aggregator offer: ₹999 + GST) |
| Loan amount | — |
| Tenure | Up to 30 years |
| Prepayment / foreclosure | Nil if prepaid from own funds; nominal charge if from borrowed funds (per lender) |
| Benchmark | PLR 10.70% (retail, new customers, as of 1 Mar 2026) |
| Home equity | Loan against property 9.50% – 17.70% |
Special schemes & features
Balance transfer & top-up
Switch and borrow extra
Home equity
Loan against property
Source: www.tatacapital.com, 2026 (official). Rates are indicative; your rate depends on your profile. Always check the Key Facts Statement (KFS) for the APR before signing.
EMI at Tata Capital’s rates
| Loan amount | EMI @ 8.00% | EMI @ 10.50% | EMI @ 13.00% |
|---|---|---|---|
| ₹25,00,000 | ₹20,911 | ₹24,959 | ₹29,289 |
| ₹50,00,000 | ₹41,822 | ₹49,919 | ₹58,579 |
| ₹75,00,000 | ₹62,733 | ₹74,878 | ₹87,868 |
Tenure 20 years, reducing-balance method. Total interest on ₹50,00,000 at 8.00%: ₹50,37,281.
Tata Capital home loan EMI calculator
Eligibility
- Resident Indians and NRIs; minimum age usually 18 – 21
- Maximum age at loan maturity typically 60 – 75 depending on lender and employment (e.g. Canara/PNB 70, Bandhan 75, some LIC HFL schemes 80)
- Regular income: salaried, self-employed professional or self-employed business owner; informal-income borrowers at affordable-housing lenders
- Credit score: 750+ usually gets the best rates (LIC HFL’s lowest rate needs 825+)
- Total EMIs (including the new loan) generally within 50% – 60% of net monthly income
- Property with clear, marketable title and approved plan; loan limited by RBI LTV caps (90% / 80% / 75%)
Documents required
- KYC: PAN (mandatory), Aadhaar / passport / voter ID, address proof, photographs
- Salaried: last 3 salary slips, Form 16 (2 years), 6 months’ salary bank statement
- Self-employed: ITR with computation (2 – 3 years), CA-certified P&L and balance sheet, business proof (GST / Udyam / licence), 12 months’ bank statements
- Property: sale agreement / allotment letter, title chain, approved plan, RERA registration, OC/CC or builder NOC, encumbrance certificate, tax receipts
- Own-contribution receipts and existing loan statements (if any)
- For balance transfer: sanction letter, 12 months’ repayment track, list of documents held by current lender
How to apply for Tata Capital Home Loan
- Check eligibility & compareUse the eligibility calculator and compare APR, not just the headline rate.
- Apply with documentsOnline or at a branch; pay the processing / login fee.
- Appraisal & sanctionLender checks credit score, income and FOIR, then issues a sanction letter and Key Facts Statement with APR.
- Legal & technical checkTitle search, encumbrance, approvals and valuation of the property.
- Agreement & mortgageSign the loan agreement; deposit original title deeds (equitable mortgage) or register a mortgage deed as the state requires.
- DisbursalPaid to the seller/builder — in one go for ready homes or in stages for under-construction projects.
Tata Capital vs other lenders
| Lender | Rate | Processing fee | Tenure | EMI on ₹50,00,000 |
|---|---|---|---|---|
| Indian Overseas Bank Home Loan | 7.10% – 8.20% | 0.50% of loan (max ₹25,000) + GST | Up to 30 years | ₹39,066 |
| Canara Bank Home Loan | 7.15% – 10.00% | 0.50% of loan (max ₹10,000) + GST | Up to 30 years | ₹39,216 |
| LIC Housing Finance Home Loan | 7.15% – 9.50% | 0.25% of loan (min ₹5,000, max ₹50,000 per Paisabazaar; BankBazaar shows max ₹15,000) + GST; nil for women borrowers under offer | Up to 30 years | ₹39,216 |
| PNB Home Loan | 7.25% – 9.65% | 0.35% of loan (min ₹2,500, max ₹15,000) + GST; waived in some festive campaigns | Up to 30 years | ₹39,519 |
| SBI Home Loan | 7.25% – 8.55% | 0.35% of loan + GST (min ₹5,000, max ₹15,000 per Paisabazaar; BankBazaar shows ₹3,000 – ₹12,000); nil for Privilege and Shaurya | Up to 30 years | ₹39,519 |
| IDBI Bank Home Loan | 7.40% – 11.90% | 0.50% + taxes (aggregator); product page shows ₹2,500 – ₹5,000 + taxes; waived for balance transfer / PMAY | Up to 30 years | ₹39,974 |
| Kotak Mahindra Bank Home Loan | 7.60% onwards | Up to 2% + GST (nil on some online applications) | Up to 20 years (as listed by source) | ₹40,586 |
| HDFC Bank Home Loan | 7.75% – 13.20% | Up to 0.50% of loan, minimum ₹4,000 (aggregator) + GST | Up to 30 years | ₹41,047 |
| PNB Housing Finance Home Loan | 7.90% – 12.00% | Up to 1% + GST | Up to 30 years (NRI up to 15 years) | ₹41,511 |
| Tata Capital Home Loan | 8.00% – 13.00% | Up to 3% + GST (aggregator offer: ₹999 + GST) | Up to 30 years | ₹41,822 |
| Axis Bank Home Loan | 8.20% – 9.10% | Up to 1% of loan or ₹10,000, whichever is higher, + GST (Asha: 1% – 2% + GST) | Up to 30 years | ₹42,446 |
| Bandhan Bank Home Loan | 8.55% – 13.52% | Up to 1% + GST | Up to 30 years | ₹43,550 |
| Sammaan Capital (formerly Indiabulls Housing Finance) Home Loan | 8.75% onwards | 0.50% onwards + charges | Up to 15 years (per source; confirm with lender) | ₹44,186 |
| YES Bank Home Loan | 9.00% – 11.50% | 1.5% + GST or ₹10,000, whichever is higher (BankBazaar); CreditMantri shows 0.5% or ₹10,000 | Up to 35 years | ₹44,986 |
| Truhome Finance (formerly Shriram Housing Finance) Home Loan | 9.50% onwards | As per MITC (aggregator: up to 1.5% + GST) | Up to 25 years | ₹46,607 |
| Piramal Finance Home Loan | 9.99% onwards | Up to 3% + taxes | Up to 30 years | ₹48,218 |
| Aadhar Housing Finance Home Loan | 11.75% – 17.00% | Typically 0.5% – 1% (aggregator: up to ₹3,500 + GST) | Up to 30 years | ₹54,185 |
Frequently asked questions
What is the Tata Capital Home Loan home loan interest rate?
Tata Capital home loan rates start at 8.00% and go up to 13.00% p.a. (as of 2026 (official)). The rate you get depends on your credit score, income and loan details.
What is the EMI for ₹50,00,000 from Tata Capital?
At 8.00% for 20 years the EMI is about ₹41,822, with total interest of ₹50,37,281.
What is the processing fee?
Tata Capital: Up to 3% + GST (aggregator offer: ₹999 + GST). GST at 18% applies on fees.
What is the maximum tenure?
Tata Capital: Up to 30 years.
Can I prepay or foreclose the loan?
Tata Capital: Nil if prepaid from own funds; nominal charge if from borrowed funds (per lender).
Information compiled from the lender’s published rates and reputable aggregators for comparison only. FinancePortal is not affiliated with Tata Capital Home Loan. Terms change — confirm with the lender.