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Tata Capital Home Loan - Frequently Asked Questions

How do I apply for a Home Loan?
You can apply for your home loan by:

  • Applying online or writing to us at contactus@tatacapital.com
  • Texting "HOME" to 56161561
  • Calling our customer care number 1800-209-6060
  • Visiting any of our branches.

What are the documents that I need to submit when I apply for a home loan?
You need to submit any one document from each of the following categories:

  • Age Proof: Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate.
  • Identity Proof: Passport, Driving License, PAN Card, Voter's ID.
  • Residence Address Proof: Utility Bill, Bank Statements, Property Registration Documents, Property Tax Receipt, Voter's ID.
  • Office Address Proof: Employee ID Card/Appointment Letter/Letter from employer on office letterhead.
  • Income Proof for Salaried Individuals: Last three months's salary slip and appointment letter/yearly increment letter and certified true copy of Form 16.
  • Income Proof for Self-employed Individuals: Last 2 years of IT returns with supportive documents, Business profile on letter head, Registration certificate for business commencement.
  • Income Proof for NRIs: Pay slips of last 6 months along with employment stability documents such as appointment letter/previous employment history.
  • Bank Statements for Salaried Individuals: Bank statement for the last 6 months from the salary A/C.
  • Bank Statements for Self-employed Individuals: Operative current account statement for 6 months, also, if any, CC/OD facilities taken corresponding bank statements for 6 months to be submitted.
  • Bank Statements for NRI Applicants: Overseas salary account for 6 months and Indian NRE/ NRO account statements for 6 months to be provided.
  • Credit Report for NRI: NRI applicants have to submit Credit Report of their current country of residence where ever it is applicable as per Tata Capital norms.
  • Details of Existing Loan: Existing loan details should be provided through bank statements.
  • Processing Fee Cheque: To be issued from the salary account for Salaried customer or the business Account in case of Self Employed customer.
  • Only Aadhaar card is an added one for KYC document

What is the maximum loan amount I can avail?
Rs.10 Cr is the maximum loan amount you can apply for. However, there is an overall cap that the loan amount cannot exceed 80% of the market value of the property in consideration.
Who can be my co-applicants for the Home Loan?
You can include your spouse/parents/children/ siblings as a co-applicant for the Home Loan and we shall consider his / her income to enhance your loan eligibility.
Why should I take a loan from Tata Capital?
The advantages of taking a home loan from Tata Capital are:
As per the directive, the revised LTV norms would be :
Loans <= 20-lacs : LTV to be <= 90% of the Market Value
Loans > 20-lacs <= 75-lacs : LTV to be <= 80% of the Market Value
Loan > 75-lacs : LTV to be <=75% of the Market Value

Loan to Value:

  • Maximum Tenure: 20 years subject to your retirement age.
  • Applicant and Co-Applicant to your Loan: Proposed owners of the property will have to be co-applicants. However, all co-applicants need not be co-owners.
  • Other Features: Excellent property advisory team, Wide range of options designed to meet your specific needs, transparent terms and conditions, competitive interest rates, doorstep service.

Will Tata Capital refund my application fee?
The initial fee of Rs. 5,700 ( or Rs.11,400 if the loan amount is more than Rs.1 Cr) that we collect from you is non-refundable as the same goes towards recovering the expenditure relating to processing the loan application.

How long does it take to get my home loan sanctioned?
Our Turnaround Time (TAT) will vary with the complexity of your case, your cooperation in disclosing all your financial obligations and income sources as well as your financial profile. We have a dedicated team of Credit Managers who strive to deliver a decent TAT. Normally, after your file is handed over to us, we give you a confirmation by the issue of a SANCTION LETTER within 4-5 days, if you are a Salaried Employee, or 7-8 days, if you are Self-employed.

What are my options for repayment?
We accept PDCs (Post Dated Cheques) as well as ECS (Electronic Clearance Service) facility, where the Equated Monthly Installments (EMIs) are periodically debited from your account with your consent

Can I avail a Fixed Rate Home Loan instead of a Floating Rate?
You may avail a Fixed Rate Home Loan or Home Equity Loan for the initial term of 3 years, which may get converted into Floating Rates at the end of 3 years

If my property is under construction, and I have not taken full disbursal, what options do I have regarding my EMI payments?
As per your under-construction contract, you will be required to take the disbursal in tranches (i.e. as and when the builder demands funds on completion of specified slabs of the building). Simple Interest on your tranche payments, for up to two years, is chargeable on a monthly basis till the property reaches a specified stage as agreed upon between the parties. On completion of this stage, the regular EMI option is activated.

Can I make part prepayments on my home loan account?

  • You can make a prepayment of up to 25% of your loan amount, without incurring any prepayment charges.
  • If the prepayment amount exceeds 25% of your total loan amount, then you'll be charged 2% of the outstanding loan amount.
  • What are the charges on foreclosure of the loan?

Home Loans


Party to the agreement

Foreclosure charges

Partial prepayment charges



Closure by own funds

Closure by balance tfr

Closure by own funds

Floating rate scheme

All individuals

No charges

No charges

No charges


Even 1 non individual

2% + taxes

2% + taxes

2% on prepaid amount over 25% of principal o/s

Fixed rate schemes

Individuals/non individuals

No charges

2% + taxes

No charges

Home Equity


Party To The Agreement

Foreclosure Charges

Partial Prepayment Charges



Closure By Own Funds

Closure By Balance Tfr

Closure By Own Funds

Floating Rate Scheme

All Individuals

No Charges

No Charges

No Charges


Even 1 Non Individual

4% + Taxes

4% + Taxes

4% On Prepaid Amount Over 25% Of Principal O/S

Fixed Rate Schemes

Individuals/Non Individuals

No Charges

4% + Taxes

4% On Prepaid Amount Over 25% Of Principal O/S

What is the maximum period allowed for repayment of the home loan?
Maximum of 20 years, subject to retirement age of the borrower or 65 years in the case of self-employed applicant.

After how many days of sanction is the loan disbursed and, what is the procedure of disbursement for outright purchase of house and for construction of house?
Loan is disbursed in full for outright purchase of ready-to-occupy property, as soon as all the formalities are completed and the sanction conditions are met. For under-construction project, the disbursements will be in installments, based on the construction stage/level.

What extra benefits are available to a home loan borrower?
Income tax benefits and insurance benefits (if opted for).

Why is the rate of interest higher in loan against property as compared to home loans?
Home loans are meant for the special purpose of providing housing facility to individuals at affordable costs. Whereas in case of loan against property, funds are raised for business/personal purpose, generally targeted at business expansion/infusion of working capital in the current business or to meet personal requirements.

What is the process of reducing my loan tenure in case of any rate hike?
You could reduce your loan tenure by:

  • Increasing your EMI
  • Making a part pre-payment of your loan, or
  • a combination of these two

To reduce your loan tenure, please visit the nearest loan serving branch After the change in EMI, you must submit New ECS (Electronic clearance service) mandate/Post Dated Cheques (PDCs) with the updated amount.

What is the amount of application/processing fee that I have to pay?
To cover up for certain fixed legal and technical verification costs through qualified and impaneled agencies; we charge you a processing fee.

While the processing fee for a home loan may vary, it will not exceed 0.50% of the total loan amount.

Can I take a top-up loan after taking my home loan without offering any additional security?
You could also consider paying a visit to the nearest Tata Capital branch with your loan details and the branch officers will be keen to be of help.

What is the eligibility criteria for home loans?
To check your eligibility for a home loan, visit the Eligibility page

What is the arrangement of Life Insurance facility to secure my home loan?
Tata Capital offers a Credit Cover for life, for your benefit. In the event of an eventuality, the insurer will clear the loan outstanding or the amount insured in favor of Tata Capital and upon clearance of the principal outstanding, the original property document will be handed over to your nominee.

However, this credit cover is dependent on an authentic Declaration of Good Health from you. Please read the Terms and Conditions before signing the insurance documents

What could be/are the reasons for change in Rate of Interest (RoI) on my home loan?
Your home loan rate could change in multiple scenarios like revision in the Prime Lending Rate of the company, your rate being shifted from a fixed rate to a floating rate upon maturity of the fixed term of the loan as agreed at the time of loan disbursal, switch of RoI on request and upon submission of switch fees, to avail of a discount over the Prime Lending Rate.

How can I get copies of my Loan Agreement?
Your Loan Agreement copies are dispatched along with the welcome letter. In case you require an additional copy, please call us on 1800 209 6060

How do I get my Home Loan Statement?
Home loan statement of accounts and the Provisional interest certificate are available on the customer portal. Please call us at 1800 209 6060 or mail to contactus@tatacapital.com to receive your customer portal login details, if you haven't logged in already.

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