Tata Capital Home Loan

About Tata Capital Home Loan

Tata Capital Housing Finance Limited helps you realize your dreams faster.  Whether you are buying a plot for house construction, building a house, purchasing an apartment, buying a resale property or remodeling your current home, Tata Capital Home Loan covers it all. Looking for a Home Loan? The best option available for you could be to avail the Tata Capital Home Loans, which are provided to salaried individuals, self-employed and businessmen for their specific needs. Individuals have the flexibility to choose from home loans available for the tenure ranging 12 months to 360 months.

Home Loan

Eligibility & Quotes from top PSU & Pvt. Banks | Lowest Interest Rates | Comfortable Tenure

    Almost done, few more details required.

    Tata Capital Home Loan Eligibility Criteria

    ParticularsDescription
    Interest Rates9.00% - 9.45%
    Loan AmountFrom ₹2 lakhs to ₹10 crores
    Tenure20 years subject to your retirement age
    Processing Fees₹5700 as the starting fees
    Pre-payment or ForeclosurePenalty-free prepayment of upto a maximum of 25% of principal outstanding in a year.
    No foreclosure charges on floating rate loans sanctioned to individuals or on fixed rate loans being pre-closed out of borrower's own sources.

    Tata Capital Home Loan EMI Calculator

    With the help of Tata Capital Home Loan EMI Calculator, know your estimated figures or the total payments due along with a break-up of the Home Loan repayment process. The calculator will do calculations based on the loan tenure as well as the interest rates levied on your home loan. In this manner, you will get a fair understanding of the ratio of the principal amount to the interest due, based on the effect of the Home Loan tenure and interest rates.In addition, you can also use the calculator for accessing an amortization table in order to plan your repayment schedule carefully.

    For example:  A steel manufacturer having a business turnover of ₹2 crores wants to apply for a home loan of ₹20 lakhs payable after 20 years at varying interest rates.  The home loan will be used for purchasing a ready-made flat in a posh-locality of Greater Noida. You wish to know the total equated monthly installments along with the interest amount that will be payable on your home loan. The following table specifies the calculated EMI, interest payment and the total amount (EMI+Interest) required to be paid each year on your home loan.

    Table Showing EMI, Interest Outgo, and Total Repayment Amount

    Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
    ₹ 20,00,0008.75%1₹ 1,74,671₹ 96,054₹ 20,96,054
    ₹ 20,00,0008.75%2₹ 91,140₹ 1,87,366₹ 21,87,366
    ₹ 20,00,0008.75%3₹ 63,367₹ 2,81,213₹ 22,81,213
    ₹ 20,00,0008.75%4₹ 49,533₹ 3,77,584₹ 23,77,584
    ₹ 20,00,0008.75%5₹ 41,274₹ 4,76,468₹ 24,76,468
    ₹ 20,00,0008.75%6₹ 35,803₹ 5,77,846₹ 25,77,846
    ₹ 20,00,0008.75%7₹ 31,925₹ 6,81,699₹ 26,81,699
    ₹ 20,00,0008.75%8₹ 29,042₹ 7,88,001₹ 27,88,001
    ₹ 20,00,0008.75%9₹ 26,822₹ 8,96,726₹ 28,96,726
    ₹ 20,00,0008.75%10₹ 25,065₹ 10,07,842₹ 30,07,842
    ₹ 20,00,0008.75%11₹ 23,646₹ 11,21,316₹ 31,21,316
    ₹ 20,00,0008.75%12₹ 22,480₹ 12,37,111₹ 32,37,111
    ₹ 20,00,0008.75%13₹ 21,508₹ 13,55,188₹ 33,55,188
    ₹ 20,00,0008.75%14₹ 20,688₹ 14,75,504₹ 34,75,504
    ₹ 20,00,0008.75%15₹ 19,989₹ 15,98,015₹ 35,98,015
    ₹ 20,00,0008.75%16₹ 19,389₹ 17,22,675₹ 37,22,675
    ₹ 20,00,0008.75%17₹ 18,870₹ 18,49,436₹ 38,49,436
    ₹ 20,00,0008.75%18₹ 18,418₹ 19,78,247₹ 39,78,247
    ₹ 20,00,0008.75%19₹ 18,022₹ 21,09,056₹ 41,09,056
    ₹ 20,00,0008.75%20₹ 17,674₹ 22,41,811₹ 42,41,811

    EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

    YearPrincipalInterestBalance Amount
    1₹ 38,614₹ 1,73,476₹ 19,61,385
    2₹ 42,132₹ 1,69,958₹ 19,19,252
    3₹ 45,970₹ 1,66,120₹ 18,73,282
    4₹ 50,158₹ 1,61,932₹ 18,23,123
    5₹ 54,727₹ 1,57,363₹ 17,68,396
    6₹ 59,712₹ 1,52,378₹ 17,08,683
    7₹ 65,152₹ 1,46,938₹ 16,43,530
    8₹ 71,087₹ 1,41,003₹ 15,72,443
    9₹ 77,563₹ 1,34,527₹ 14,94,879
    10₹ 84,629₹ 1,27,461₹ 14,10,250
    11₹ 92,338₹ 1,19,752₹ 13,17,912
    12₹ 1,00,750₹ 1,11,340₹ 12,17,162
    13₹ 1,09,928₹ 1,02,162₹ 11,07,234
    14₹ 1,19,942₹ 92,149₹ 9,87,291
    15₹ 1,30,868₹ 81,222₹ 8,56,423
    16₹ 1,42,789₹ 69,301₹ 7,13,633
    17₹ 1,55,797₹ 56,293₹ 5,57,836
    18₹ 1,69,989₹ 42,101₹ 3,87,846
    19₹ 1,85,475₹ 26,615₹ 2,02,371
    20₹ 2,02,499₹ 9719₹ 0

    Documentation for Tata Capital Home Loan

    Salaried EmployeesSelf-Employed Professionals /Self-Employed Non-Professional(Businessmen)
    Application Form
    KYC Documents
    Photo ID Proof
    Residence Address Proof
    Signature proof
    Date of Birth/Age proof
    Updated Bank Statement for last 6 months
    Existing Loan details along with documents like Sanction Letter and State of Account(SOA)
    Salary Slip or Salary Certificate for 3 monthsProfessional Qualification Certificate(if any)
    Form 16 (last two years)Office address proof
    Qualification ProofLast three years Income Tax Returns along with Computation of Income, Profit & Loss A/c and Balance Sheet Statement
    Processing fee cheque
    Business Profile

    Features and Benefits of Tata Capital Home Loan

    • Attractive Interest Rates at lowest possible EMI
    • Flexi EMIs with Higher Home Loan Eligibility
    • Quick processing and doorstep service
    • Flexibility to choose from a list of Approved projects of Tata Capital Home Loan

    Tata Capital Home Loan Customer Care Contact Number

    If you face any difficulty regarding interest rates, tenures, loan amount or any queries relating to eligibility criteria or processing fees then contact Tata Capital Housing Finance customer care representative on 1800-209-6060 or write an email at the email address given on the website.

    People Also Look For

    Personal Loan Interest Rates December 2018
    Bajaj Finserv10.99% - 16.00%
    Fullerton India14.00% - 33.00%
    HDFC Bank11.25% - 21.50%
    ICICI Bank10.99% - 18.40%
    IndusInd Bank10.99% - 16.00%
    Kotak Bank10.99% - 20.99%
    RBL13.00% - 18.00%
    Standard Chartered Bank12.00% - 17.00%
    Tata Capital10.99% - 18.00%
    Home Loan Interest Rates December 2018
    State Bank of India/SBI8.70% - 9.25%
    HDFC8.80% - 9.70%
    Bank of Baroda8.65% - 9.65%
    LIC Housing8.85% - 9.05%
    PNB Housing Finance9.00% - 13.00%
    ICICI Bank9.00% - 9.25%
    Axis Bank8.80% - 9.05%
    Citibank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.80% - 11.05%
    Kotak Bank8.90% - 8.75%
    DHFL9.05% - 9.95%
    Reliance Home Finance8.75% - 14.00%