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Tata Capital Housing Finance Limited (TCHFL), a wholly-owned subsidiary of Tata Capital Limited and part of the Tata Group, offers a range of home loans for property purchase, construction, renovation, extension, plot purchase, and balance transfers, with loan amounts up to Rs.5 crore and up to 90% financing for properties valued at Rs.30 lakh or less. As of November 2025, Tata Capital Housing Finance home loan interest rate begins at 7.75% p.a. for salaried applicants with a CIBIL score of 750 or above, and 8.50% p.a. for self-employed individuals, with repayment tenures extending up to 30 years. The lender supports PMAY-CLSS subsidies up to 6.50% for eligible EWS/LIG/MIG categories (annual income below Rs.18 lakh), features a processing time of 4-8 days for salaried and 7-10 days for self-employed, and provides doorstep document collection across its 200+ branches nationwide.
|
Feature |
Details |
|
Interest Rate |
Starts at 7.75% p.a. for salaried (up to 9.50% p.a. based on profile and loan type) |
|
Processing Fee |
0.50%-2% of loan amount + GST (minimum Rs.5,000; varies by scheme) |
|
Loan Amount |
Up to Rs.5 crore (90% LTV for ≤Rs.30 lakh properties) |
|
Repayment Tenure |
Up to 30 years |
|
Applicant Age |
18-70 years (salaried up to retirement age; self-employed up to 65 years) |
|
Approval & Disbursal Time |
4-8 days for salaried; 7-10 days for self-employed; disbursal in 2-3 days post-sanction |
|
Prepayment Charges |
Nil for floating rate loans (for individuals); up to 2% for fixed rate |
|
Eligibility (Salaried) |
Rs.25,000+ monthly income; 1 year in current job; CIBIL 700+ (750+ for lowest rates) |
|
Eligibility (Self-Employed) |
2 years in business; Rs.3 lakh+ annual ITR; CIBIL 700+ |
Tata Capital Housing Finance home loan interest rate is floating, linked to the lender's External Benchmark Lending Rate (EBLR) at 8.15% as of November 2025, with spreads determined by the applicant's CIBIL score, income stability, and loan purpose—beginning at 7.75% p.a. for salaried applicants with a CIBIL score of 750 or higher on loans up to Rs.30 lakh, and 8.50% p.a. for self-employed professionals, extending up to 9.50% p.a. for higher-risk profiles or larger amounts. The lender supports PMAY-CLSS with subsidies up to 6.50% on loans of Rs.6-12 lakh for EWS/LIG/MIG categories (annual income below Rs.18 lakh and property value ≤Rs.45 lakh), effectively lowering the rate to ~1.25% for eligible borrowers; interest is calculated on a daily reducing balance basis, and women applicants receive an additional 0.05% concession.
|
Borrower Category |
Interest Rate |
Max Rate |
Key Influencing Factors |
|
Salaried (CIBIL ≥750) |
7.75% |
8.75% |
Stable employment, ≤Rs.30 lakh loan, PMAY eligibility |
|
Self-Employed Professionals |
8.50% |
9.50% |
ITR trends, 2+ years business, audited financials |
|
Balance Transfer/Top-Up |
8.00% |
9.00% |
Existing repayment record, add-on ≤20% original amount |
|
PMAY EWS/LIG/MIG |
7.75% (effective ~1.25%) |
8.50% |
Income <Rs.18 lakh, property ≤Rs.45 lakh |
|
Bank |
Starting Rate (p.a.) |
Processing Fee |
Max Tenure |
|
Tata Capital Housing Finance |
7.75% |
0.50%-2% |
30 years |
|
State Bank of India (SBI) |
7.50% |
Up to 0.35% |
30 years |
|
HDFC Bank |
8.15% |
0.5%–1% |
30 years |
|
ICICI Bank |
8.75% |
0.5%–1% |
30 years |
For a Rs.50 lakh loan over 20 years at 7.75%, EMI is Rs.39,700—Rs.1,800 less monthly than ICICI's 8.75%, equating to Rs.4.3 lakh interest savings; PMAY further reduces effective cost by Rs.2.67 lakh for MIG applicants.
Tata Capital Housing Finance home loan calculator at tatacapital.com/home-loan-emi-calculator integrates PMAY subsidies—input amount, rate (7.75%-9.50%), tenure for EMI, amortization, and tax deductions (Rs.1.5 lakh u/s 80C principal + Rs.2 lakh u/s 24b interest).
Loan Amount: Rs.50 lakh
Interest Rate: 7.75% p.a.
Tenure: 20 years
|
Monthly EMI |
Total Interest Payable |
Total Amount Payable |
|
Rs.39,700 |
Rs.45.28 lakh |
Rs.95.28 lakh |
Reduce to 15 years: EMI Rs.43,600, saves Rs.10 lakh interest; PMAY adds Rs.2.67 lakh subsidy for MIG.
|
Charge Type |
Amount |
|
Processing Fee |
0.50%-2% + GST (min Rs.5,000; varies by loan amount) |
|
Legal & Valuation Fee |
Rs.3,000–Rs.5,000 (actuals) |
|
CERSAI Registration |
Rs.500 |
|
Stamp Duty (MODT) |
0.1%–0.3% (state-specific) |
|
Prepayment (Floating Rate) |
Nil |
GST at 18%. Total <2.5%; PMAY waives 50% processing; no commitment fees.
● Age: 18–70 years (up to retirement)
● Rs.25,000+ monthly net income
● 1 year in current job (2 years total experience)
● CIBIL: 700+ (750+ for lowest rates)
● Age: 24–65 years
● 3 years in business
● Rs.3 lakh+ annual ITR
● CIBIL: 700+; audited P&L/balance sheet required
90% LTV for PMAY; co-applicants (spouse/family) boost eligibility.
|
Service |
Contact Details |
|
Helpline (9AM-8PM, Mon-Sat) |
022-67719100 / 022-43041900 |
|
Email for Queries |
customercare.housing@tatacapital.com |
|
Grievance Redressal |
customerservice.head@tatacapital.com |
|
Branch Hours |
9:30 AM–6 PM (Mon-Sat) |
Login to retailonline.tatacapital.com with application no./mobile OTP—track stages: Submitted, Verified, Sanctioned, Disbursed. Email customercare.housing@tatacapital.com for updates (24-hour response); visit branch with ID for in-person status.
Salaried applicants need a minimum Rs.25,000 monthly net income, while self-employed require Rs.3 lakh+ annual ITR with 3 years business stability. The lender assesses based on 50% debt-to-income ratio for EMI affordability up to Rs.5 crore; PMAY-eligible EWS/LIG (<Rs.18 lakh/year) get priority, with co-applicants (spouse/family) increasing limits by 20-30%.
Yes, NRIs qualify with 2+ years overseas employment, valid visa, and NRE proofs, at rates starting 8.00% p.a. with 80% LTV via power of attorney. Submit attested salary slips and overseas address; contact customer care for NRI desks, with disbursal in 10-15 days.
Yes, PMAY-CLSS offers 6.50% interest subsidy up to Rs.2.67 lakh on loans ≤Rs.12 lakh for EWS/LIG/MIG (income <Rs.18 lakh/year, property ≤Rs.45 lakh). Eligibility requires Aadhaar-seeding; the lender handles integrated processing, reducing effective rate to ~1.25% and saving Rs.1-2 lakh annually on EMIs.
Balance transfer at 8.00%-9.00% (0.25%-1% lower than originators) requires 12-month statements and NOC, with up to 1% processing fee. It includes top-up up to 20% original for renovations; processing takes 7-10 days, saving Rs.2,500+ monthly on Rs.50 lakh loans.
With urban housing prices up 9% in 2025 (NHB data), Tata Capital Housing Finance home loan interest rate calculator processing fee requirements application process customer care status stands out with 7.75% rates, PMAY subsidies, and 4-8 day sanctions—financing diverse needs across 200+ branches. Ideal for Rs.2 lakh-Rs.5 crore aspirations. Apply at tatacapital.com or email customercare.housing@tatacapital.com.
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