Tata Capital Home Loan
Tata group NBFC — flexible underwriting beyond bank norms, quick processing, and structured products for self-employed borrowers.
★ Flexible income assessment for self-employed buyers.
Tata Capital Home Loan at a glance
- Interest rate
- 8.95% – 11% p.a.
- Processing fee
- Up to 1%
- Maximum amount
- ₹5 Cr
- Tenure
- Up to 30 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your Tata Capital home loan offer
It takes 2 minutes. This will not affect your credit score.
Tata Capital vs other lenders on home loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 8.60% – 9.50% p.a. | 0.50% or ₹3,300 min | ₹10 Cr+ | Apply → |
| State Bank of India | 8.50% – 9.45% p.a. | 0.35% (often waived in campaigns) | No formal cap (eligibility-based) | Apply → |
| ICICI Bank | 8.65% – 9.85% p.a. | 0.50% – 2% | ₹10 Cr | Apply → |
| Axis Bank | 8.70% – 9.90% p.a. | Up to 1% (min ₹10,000) | ₹5 Cr+ | Apply → |
| Kotak Mahindra Bank | 8.70% – 9.60% p.a. | 0.5% + taxes | ₹10 Cr | Apply → |
| Punjab National Bank | 8.55% – 9.60% p.a. | 0.35% (frequently waived) | Eligibility-based | Apply → |
| Bank of Baroda | 8.55% – 9.80% p.a. | 0.25% – 0.50% | ₹20 Cr (location-based) | Apply → |
| IDFC FIRST Bank | 8.85% – 10% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Tata Capital | 8.95% – 11% p.a. | Up to 1% | ₹5 Cr | Apply → |
| Bajaj Finserv | 8.50% – 12% p.a. (via BHFL) | Up to 1% | ₹15 Cr | Apply → |
Eligibility
- Age
- 21 – 65 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹25,000 / month (varies by lender)
- Credit score
- 700+ recommended
- Work experience
- 2+ years (salaried) / 3+ years business vintage
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips or 2 years' ITR
- Last 6 months' bank statements
- Property documents (agreement, chain of title)
- Passport-size photographs
Tata Capital Home Loan FAQs
What is the Tata Capital home loan interest rate?
Tata Capital home loan rates currently run 8.95% – 11% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 1%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much home loan can I get from Tata Capital?
Up to ₹5 Cr, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of Up to 30 years. Use our eligibility calculator for a quick estimate.
Should I apply to Tata Capital directly or through QCred?
The rate and product are the same — but through QCred you see how Tata Capital's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.