Tata Capital Home Loan: Features, types, schemes, eligibility, documents required, how to apply, login, benefits and repayment

For paid workers, Tata Capital offers house loans at the lowest rates, starting at 9.25%. For residential properties, you can get house loans ranging from Rs 2 lakh to Rs 3 crore. Additionally, there is a 30-year repayment period.

Tata Capital Home Loan: Features

• Based on the valuation of your residential property, you may apply for a loan in the range of 2 lakh to 10 crores.
• The maximum payback duration is 30 years.
• Things are made simple by Quick, Fast, Simple Process.

Tata Capital Home Loan: Different types

 

• Tata Capital Home Loan

 

It offers financial support for building or buying a home. It offers loans with a reasonable interest rate of 8.50% p.a. ranging in size from Rs. 2 lakh to Rs. 5 crores. Tata Capital gives you a home loan with a term and EMI schedule that work for you.

Features

• Get a mortgage loan between Rs. 2 lakh and Rs. 5 crores.
• Get a loan for a maximum of 30 years.
• Interest rates begin at 8.50 per cent.

 

 

• Loan from Tata Capital for Home Extension 

 

For those who want to improve or expand their homes, this form of Tata Capital Home Loan is the best option. You can repay the loan at your convenience, and the process is straightforward.

Features

• Low processing costs for mortgage extensions
• Simple financing tailored to your needs and comfort loan up to 75% of the extension’s cost
• According to Section 24(b) of the Income Tax Act of 1961, you are eligible for a tax deduction of Rs 30,000.

 

 

• NRI Home Loan from Tata Capital

 

It makes it easier for NRIs to acquire a home in India. NRIs are given flexible repayment alternatives with less paperwork, and you will receive professional guidance at each stage.

Features

• If you have monthly EMIs, you can choose a fluctuating or fixed interest rate. In the event that the base rate moves in your favour, your EMI will decrease if you choose the floating interest rate.
• You may be eligible for a loan in the range of Rs. 2 lakh to Rs. 10 crores. The repayment plan depends on how long you want to take to pay back the loan. However, you have up to 120 months to pay back the loan.
• You can take the loans that best suit your demands with the help of loan consultants.

Tata Capital Home Loan: Schemes

Tata Capital offers qualified clients home loans with reasonable interest rates and extended loan terms. The current interest rates, eligibility requirements, and documentation needed before applying for a house loan are listed below: 

 

• Loan amount from Tata Capital Home Loan 

 

• Rs 5 lakh to Rs 5 crore
• Interest rates: 6.70% per annum beginning.
• Processing fee: 0.5 per cent of the loan amount
• simple method for applying for a loan.
• Select a rate type from fixed or floating.
• During the loan’s life, there is an option to shorten the loan’s term.

 

 

• Loan amount for a Tata Capital Home Extension Loan

 

• between Rs 2 lakh to Rs 5 crore.
• Interest rates: 8.50% per annum starting.
• can be used to modify, expand, or extend an existing property’s structure.
• flexible EMI payment choices and easy documentation.
• You are entitled to tax benefits for interest paid for a year up to Rs 30,000

 

 

• Affordable housing loan through the PMAY program

 

 

• Minimum loan amount: Rs 2 lakh
• Starting interest rate is 10.10% per annum.
• Processing fee: 1% of the loan’s total amount plus additional fees.
• complete assessment of your property’s legal status.
• To qualify, the annual household income must fall between Rs 3 lakh and Rs 18 lakh.
• Interest rates that are subsidised beginning at 3%.

 

Tata Capital Home Loan: Eligibility

Any person between the ages of 24 and 65 who is self-employed or employed on a salary is eligible to apply for a house loan. To obtain a home loan, some fundamental documents are needed, such as evidence of identity, proof of address, and bank statements

• Indian citizens, NRIs, and PIOs
• Paid or self-employed
• Age: 24 to 65
• A credit score of 750 or higher on CIBIL
• minimum salary of Rs 30,000 per month
• Work experience: 2 years at a salaried job for salaried applicants, 3 years for independent contractors and NRIs

Tata Capital Home Loan: Documents required for salaried people, self-employed professionals and businesses

Documents needed for a Tata Capital Home Loan for salaried or self-employed

• Worker Identification Card
• Loan Application: Three passport-size pictures attached together with a fully completed loan application form.
• PAN, passport, driver’s licence, and voter ID card are all acceptable forms of identification.
• Any recent copy of a phone bill, electricity bill, water bill, gas bill, driver’s licence, passport, or Aadhaar card is acceptable as proof of residence or address.

Property documents

• Construction authorisation (where applicable)
• Allotment letter, stamped agreement for sale, registered agreement for sale (only for Maharashtra).
• Ownership Certificate (in case of ready-to-move property)
• Share Certificate, Maintenance Bill, Electricity Bill, and Property Tax Receipt (only for Maharashtra)
• Conveyance Deed, Registered Development Agreement of the Builder, and Approved Plan Copy (Xerox Blueprint) (For New Property)

Statement of account

• Statements of all bank accounts owned by the applicant(s) over the previous six months
• Loan account statements for the prior year are required if you have ever received a loan from another bank or lender.
• For salaried applicants, co-applicants, and guarantors provide income proof.
• recent three-month salary slip or salary certificate
• Copy of Form 16 for the last two years or copy of IT Returns for the last two fiscal years, both with IT Dept. acknowledgement

Income verification for guarantor/co-applicant/non-salaried applicant

• Proof of a business address
• IT returns during the last three years
• three years’ worth of balance sheet and profit and loss accounts
• Details of Business Licence (or equivalent)
• Certificate TDS (Form 16A, if applicable)
• Certificate of qualification (for C.A./ Doctor and other professionals)

Tata Capital Home Loan: Process to apply for a home loan

1. Online application – To apply for a personal loan online, go to the TATA Capital website and complete the application form with your basic information to determine your eligibility. You can track the online application by either typing in your contact number or PAN number. 
2. Document submission – After being informed of your eligibility, you must submit the necessary paperwork for your application to move forward.
3. Verification – Tata Capital will check your personal loan application and the attached papers.
4. Approval – The bank will approve your loan application if your application and supporting documentation are satisfactory. And the loan is sanctioned after approval.
5. Disbursal – After the loan has been approved, you will get the appropriate personal loan amount in your bank account.

 

Tata Capital Home Loan: At a glance

 

Loan Amount	Up to 80% of the property cost
Rate of interest	8.10% onwards
Tenure	Up to 30 years
Lowest EMI possible	Rs. 741 Per Lakh
Processing fee	0.5% to 2.0% of the loan amount + GST
Penal Interest Rate	Extra 2% on applicable rate for the duration of delay
Max Tenure	30 Years
Packages available	Floating/Fixed

Know about: Sale for house in Hyderabad 

Tata Capital Home Loan: How to log in to the Tata Capital portal?

For a step-by-step tutorial on how Tata Capital home loan login, see the steps below:

 

Step 1: Go to the Tata Capital website and select “Login” from the menu on the top right of the screen.

 

Step 2: A reroute to the Tata Capital Retail Customer portal will occur. To access your online account, enter your User ID, password, registered mobile number or email address, and the OTP you just received. Then click “Log In.”

 

Step 3: You must change the default password if this is your first time checking in. By going to the “My Account” tab, you can change your account password as often as you like. To protect the information on your account, we suggest you change your password frequently.

Tata Capital Home Loan: Calculator for Tata Capital Home Loans

To utilise an EMI calculator, you must enter a few standard loan information fields, like the loan amount, term, interest rate, and processing fee. Based on your input, the automated tool will calculate your EMI and provide you with a detailed breakdown of your total payment throughout the course of the loan.

 

The EMI calculator will also give you an amortisation table showing how much you will pay back in principal and interest over the loan in monthly and yearly instalments.

 

Tata Capital Home Loan: Benefits

• Different loan programmes: native Indians may borrow up to Rs 5 crore while NRIs may borrow up to Rs 10 crore
• Capital Tata For the purchase, construction, or restoration of a plot, apartment, or house, home loans are offered.
• Processing a home loan is quick, simple, and hassle-free.
• A sufficient level of client support throughout the process.
• Adaptable alternatives for repayment, including step-up EMIs, fixed EMIs, or floating EMI options
• Offers for quick balance transfers and top-ups.
• Include a co-owner to increase the loan amount
• A variety of repayment methods, including auto debit, Electronic Clearance Service (ECS), salary deduction, and postdated checks.
• Simple and standard documentation procedure.
• No fees for foreclosure.

Tata Capital Home Loan: Repayment options

With convenient choices for payments including Post Dated Cheques (PDCs) and the Electronic Clearance Service (ECS) facility, the borrower can repay the home loan from Tata Capital in manageable monthly instalments.

 

• ECS facility: One of the simplest ways to pay an EMI is through ECS or auto debit. To tell the bank to directly deduct the monthly EMI amount on the scheduled date of each month, the borrower must sign and submit an auto-debit form or an ECS mandate. By doing this, the EMI will be automatically deducted each month from the borrower’s Tata Capital account.
• PDC facility: Postdated checks can be used to pay the EMI in cities where the ECS option is not accessible (PDCs). The borrower must give Tata Capital 36 monthly checks and new ones before the old ones expire or as soon as Tata Capital requests them.

Check out: Villa for sale in Hyderabad 

Tata Capital Home Loan: Customer care

Call the Tata Capital Toll-Free Number at 1800-209-6060 for any information or to file a complaint or grievance. From Monday through Saturday, 9 AM to 8 PM; this number is accessible. Sundays and federal holidays are when it is closed.

 

Tata Capital Home Loan: Customer service

Registered Address: Lower Parel, Ganpatrao Karam Marg, Peninsula Business Park, 11th floor, Tower A, Mumbai, 400013.

 

Contact information: contactus@tatacapital.com, customercare@tatacapital.com (for existing customers only). On the official website, www.tatacapital.com, you may also ask for a callback.

Tata Capital Home Loan: Address of the branches across India

Name of the City	Tata Capital Home Loan Branch Address
Ahmedabad	12/A Ground Floor,Camps Corner 1,Near Prahladnagar AUDA Garden,Satellite,Ahmedabad-380015
Ahmedabad	C/O. TATA CAPITAL LTD. , GROUND FLOOR, Shanti Arcade, 1 Ketan society, Near sardar Patel colony cross road, Naranpura, Ahmedabad – 380014
Bangalore	2nd Floor, Prestige Corniche, No.62, Richmond Road, Bangalore – 560025
Bangalore	72/2, Yashoda Tamraparni, Old Airport Rd, Domlur, Bangalore – 560071
Bangalore	N0: 58, 8th main|Malleswaram | Bangalore-560055 India.
Bangalore	No.581, 80 Feet Road, 8th block, Koramangala, Bangalore – 560095
Baroda	G F 14 &16 , Trident Complex |Opp,Geri Compound | Race Course Circle | VADODARA 390007| GUJARAT | India
Bhopal	First Floor, 49, Zone-II, M.P. Nagar, Bhopal – 462001
Bhubaneshwar	Plot No. 432, Lewis Road, Near OTDC, Nageswar Tangi, Bhubaneswar – 751014
Calicut	Door No: 6-1002A, Ground Floor, City Mall, Kannur Road, Calicut – 673001
Chandigarh	Sco 56 / 2nd Floor | Madhya Marg | Sector 26- D | Chandigarh 160019 | India
Chennai	Veeru towers No. 18/6 &19/3, Jawaharlal Nehru Salai, Ekkaduthangal, Chennai – 600032
Coimbatore	Ground Floor, A.M.I Midtown, No: 25 A/1, DB Road, RS Puram, Coimbatore – 641002
Gurgaon	C/O Tata Capital Financial Services Limited, 2nd Floor, SC No.13 Sector 14, Near HUDA office, Gurgaon – 122001
Guwahati	Akshay Plaza, Ground Floor, M.G. Road, Guwahati – 781001
Hyderabad	1-8-42 to 46/2, Asha Apartments, PG road, Secunderabad, Hyderabad – 500003
Hyderabad	Plot No.3, 4, 5 & 6, Auto Plaza, Road No.3, Banjara Hills, Hyderabad – 500034
Jalandhar	Ground floor, Shanti Tower, SCO No. 37, PUDA complex, Opp. DC office, Jalandhar – 144001
Indore	2nd Floor, 9/1/1, M.G.Road, Above Yes Bank, next to Treasure Island Mall, Indore – 452001
Jaipur	THE GUMAN -1, GROUND FLOOR AMRAPALI CIRCLE,VAISHALI NAGAR, Jaipur – 302021
Kanpur	2nd. Floor, J S Towers, 16/106 Mall Road, Kanpur- 208011
Kochi	Pulikeel Building, Near Ernakulam Medical Centre, Byepass Road, Palarivattom, Cochin – 682028
Kolkata	2C & 2D, 2nd Floor, Park Plaza, 71 Park Street, Kolkata – 700016
Kolkata	7/1A, Loudon Street, Kolkata – 700017
Lucknow	6th Floor, 11 MG Marg, Halwasiya Complex, Habibullah Estate, Hazratganj, Lucknow-226001.
Ludhiana	SC0 143 A, Ground Floor, Feroze Gandhi Market, Nr. Basant Restaurant, Ludhiana – 141001
Mangalore	Ground Floor, City Trade Centre, Venkappa Garden, Kadri, Mangalore – 575003
Mumbai	2nd Floor, Prateik Plaza, Opp. Patel Auto, S.V. Road, Goregaon (West), Mumbai – 400062
Mumbai	Ground Floor, Ready Money Mansion, Veer Nariman Road, Fort, Mumbai – 400001
Mumbai	Shop N0 1-4,Shri chembur Ganesh CHS sion trombay road,next to Wasan Motors Ltd,Chembur,Mumbai-400071
Mumbai	Shop No. 2, Golden Bunglow, Opp Santacruz Police Station, Juhu Road, Santacruz (W), Mumbai – 400054
Mumbai	Tata Capital Financial Services Limited, 902-906, Quantum Tower, Chinchaoli, Off S. V. Road, Malad West, Mumbai – 400064
Mumbai	Tower A, 1101 Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai – 400013
Mumbai Thane	i-Think Techno Campus, Building “A” 4th Floor, Off Pokhran Road No.2, Thane (W) – 400607
Nagpur	Ground Floor, Yashwant Apartment, Plot No. 04, Opp: Bonsai Showroom, VIP Road, Ramdaspeth, Nagpur – 440010
Nasik	2nd Floor, Mazda Towers, Plot No. 183, GPO Road, Trimbak Naka, Nashik – 422001
New Delhi	7th Floor, Videocon Tower, Block E-1, Jhandewalan Extension, New Delhi – 110055
New Delhi	Building No-11, Prem Sadan Building, 2nd & 3rd Floor Rajinder Place Delhi-110008
New Delhi	J-13/41, Rajouri Garden, New Delhi – 110027
New Delhi	Ground Floor, Shop No. 22, PP Towers, Netaji Subhash Place, Pitampura, New Delhi – 110034
New Delhi	Shop No 2, L-13, Kalkaji, New Delhi – 110019
New Delhi	Upper Ground Floor, C-3, Shop No. 2, Malviya Nagar, New Delhi – 110017
Noida	1st Floor, B 1A/26-27, Sector 51, Noida- 201301
Pondicherry	Sivam Tower, Natesan Nagar, Villupuram High Road, Nr. Indira Gandhi Statue, Pondicherry – 605005.
Pune	9th Floor, IRIZ, Baner Pashan Link Road, Pune – 411045
Pune	Shop no 13/14, Princetown, Opp Port Lisa, Kalyani Nagar, Pune – 411006
Rajahmundry	Door No. 75-6-38, Prakash Nagar Main Road, Bathula Veerraju Complex, Rajahmundry – 533103
Salem	36/1, Rajaji Road, Salem, Tamilnadu – 636007
Surat	1st Floor, Suryakiran Apartment, Ghod Dod Road, Surat – 395007
Thrissur	Trichur Trade Centre, Kuruppam Road,Trichur – 680001
Trivandrum	Ground Floor, T.C.NO.9/2284(3), Sasthamangalam JN ,Trivandrum – 695010
Vapi	Royale Fortune Complex, Shop no 1-F/8, 1-G/9, 1-B-10B, Chala Road, Vapi – 396191
Vellore	Ground Floor, 19/A, Officers Line Muthanna Nagar, Vellore, Tamilnadu – 632001
Vijayawada	Ground Floor, Sailok Complex, 39-9-1, M.G. Road, Labbipet, Vijayawada – 520010
Visakhapatnam	Balla Towers, No. 49-24-10, First Floor, Shankarmatam Road, Madhuranagar, Visakhapatnam 530016

 

FAQs

Who is eligible for a mortgage loan from Tata Capital?

Applying for a Tata Capital house loan is possible if you want to: Purchase a brand-new residence. Purchase a residential site and then construct a home there. Remodel the house you already own. Expand your current home or flat.

What is the maximum loan term available for loan repayment?

To conveniently repay your debt, you can prolong your loan's term for up to 30 years.