Tata Capital Housing Finance Home Loan
Tata Capital Housing Finance Home Loan
Tata Capital Housing Finance Limited (TCHFL) is a wholly owned subsidiary of Tata Capital Limited and a popular NBFC helping people fund the purchase or construction of a home. Its home loan interest rate starts at 8.70% per annum with a processing fee starting at 0.50% of the loan amount plus GST. Applicants can borrow on easy eligibility criteria with minimum paperwork, with sanctioned amounts starting at Rs. 5 lakh and going up to Rs. 5 crore for certain schemes.
Tata Capital Housing Finance Home Loan
Backed by the Tata Group
TCHFL is a Tata Capital subsidiary, and we help you pick the right scheme from a wide range.
Open to Resident Indians, NRIs and PIOs
TCHFL lends across all three, and we handle the extra documentation NRIs and PIOs need.
Nil Foreclosure Charges on Own-Source Repayment
Pay off early from your own funds without a penalty, and we factor that into the plan we recommend.
One Relationship Manager, Start to Finish
A dedicated BASIC expert handles your file end to end, not a rotating call centre.
Tata Capital Housing Finance Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Tata Capital Housing Finance Home Loan Key Highlights
Get the lowest interest rates with Tata Capital Housing Finance
Loan Amount: Rs. 5 lakh up to Rs. 5 crore
Rate of Interest: Starts at 8.70% per annum
RPLR: 19.75%
Processing Fee: 0.50% of the loan amount + GST
Maximum Tenure for Repayment: 20 years for salaried and 15 years for self-employed applicants
Rate Packages: Fixed / Floating
Charges for Prepayment/Foreclosure: Nil for repayment from own sources; 2% for non-individuals and balance transfer
Tata Capital Housing Finance Home Loan Interest Rates in 2026
TCHFL offers affordable housing loan schemes to eligible applicants for longer tenures, on both a fixed and a floating rate basis. The table below sets out the current Tata Capital home loan interest rates:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Floating / Fixed Plans (For Salaried) | Starts at 8.70% per annum |
| Floating / Fixed Plans (For Self-Employed) | Starts at 8.85% per annum |
Tata Capital Home Loan Eligibility Criteria
Tata Capital Housing Finance Ltd. provides home loans with easy eligibility criteria and minimum documentation. The basic criteria relate to age, work experience, employment and nationality. The table below sets them out:
For Salaried Individuals
Age Range (in years)
18-60 years
Nationality
Indian residents, NRIs and PIOs
Minimum Income Earned
Rs. 30,000 per month
For Self-Employed Individuals
Age Range (in years)
18-65 years
Nationality
Indian residents, NRIs and PIOs
Tata Capital Home Loan Processing Fee and Charges
To process each home loan application, TCHFL charges a processing fee starting at 0.50% of the loan amount plus GST. The table below sets out the other fees and charges levied on home loan applicants:
| Processing Fee | 0.50% of the loan amount + GST |
| Cheque / EMI Dishonour Charges | Rs. 700 per instance |
| Reference Rate | 17.45% |
| Account Maintenance Charges | Rs. 2,000 |
| NOC Issuance Charges | Rs. 500 + GST |
| List of Documents | Rs. 500 + applicable taxes |
| Provisional and Final Interest Certificate | Rs. 200 + GST per contract |
| Document Retrieval Charges | Rs. 5,900 per contract |
| Penal Interest Rate | 2% extra on the applicable rate for the delayed duration |
| Loan Cancellation Charges | Rs. 5,900 per contract |
| Prepayment / Foreclosure Charges | Nil for repayment from own sources; 2% for non-individuals and balance transfer |
| Charges for a Copy of the Loan Agreement | Rs. 250 |
| Payment Instrument Swapping Charges | Rs. 550 |
| Statutory Charges | As applicable in the state |
Tata Capital Home Loan Schemes and Top Plans
Tata Capital Housing Finance Ltd. offers a wide range of home loan schemes for buying a home or land, constructing a home, or extending a house. Here are the popular offerings:
- Ideal for extending an existing home by adding a room, floor or balcony
- Maximum repayment tenure of up to 30 years
- Minimum loan amount starting from Rs. 2 lakh
- Ideal for purchasing a plot and self-constructing a home
- Maximum loan amount of up to Rs. 5 crore
- Maximum repayment tenure of up to 30 years
- Overdraft facility for existing TCHFL home loan borrowers to arrange funds for personal or business needs
- Loan amounts ranging from Rs. 5 lakh to Rs. 2 crore
- Maximum repayment tenure of up to 15 years
- Suited to low and mid-income groups keen to purchase a home
- Minimum loan amount starting at Rs. 2 lakh
- Maximum repayment tenure of up to 30 years
- For transferring an outstanding home loan to TCHFL
- Additional top-ups available
- Lower interest rates
- Pre-approved top-up linked to an existing TCHFL loan
- Quick, paperless disbursement
- Maximum repayment tenure of up to 7 years
- Affordable housing loan scheme for LIG, EWS and MIG segments
- Subsidy benefits of up to Rs. 2.67 lakh
- Extended tenure of up to 20 years
- Flexible facility to take an additional loan over the existing loan amount
- Flexible repayment EMIs
- Lower interest rates
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Tata Capital Housing Finance, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Tata Capital Home Loan
To approve a home loan, TCHFL asks for a set of KYC documents to verify the age, nationality, income and address of the borrower. The list is shared below:
| Proof of Income |
|
| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply for a Tata Capital Home Loan Through BASIC Home Loan
The Tata Capital home loan application is simple. You can apply in the following way:
Apply Now on the BASIC Website
Head to the APPLY NOW section on the BASIC Home Loan website.
Share Your Requirement
Enter your name, contact number, loan amount and pincode, then submit the form.
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