TATA Capital Home Loan: Rates, Eligibility & Fees 2026
TATA Capital offers home loans to buy, build or renovate a home. Butter Money compares TATA Capital's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.60%
p.a. onwards
Processing Fee
₹12,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 90%
loans up to ₹30 lakh
Rates updated 18 Jun 2026 from Butter's lender rate data · TATA Capital's official rates
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What stands out with TATA Capital
- 0.05% lower rate when a woman is the primary applicant
- Tenure up to 30 years
TATA Capital home loan at a glance
| Lender type | NBFC |
| Starting rate | 7.60% p.a. onwards |
| Products | Home loan, Balance transfer |
| Funding (LTV) | Up to 90% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
TATA Capital Interest Rates, June 2026
By product, CIBIL score & applicant type
Home loan · Balance transfer
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 7.60% onwards | 8.35% onwards |
| 650–699 | 8.60% onwards | 8.90% onwards |
| 700–749 | 8.20% onwards | 8.55% onwards |
| 750–799 | 7.80% onwards | 8.40% onwards |
| Below 650 | 8.60% onwards | 8.90% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 18 Jun 2026.
Fees & Charges
TATA Capital vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| TATA Capital (this page) | NBFC | 7.60% onwards |
| Bajaj Housing Finance | Housing finance company | 7.20% onwards |
| Mahindra Finance | Housing finance company | 8.00% onwards |
| LIC Housing Finance | Housing finance company | 7.15% onwards |
TATA Capital Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at TATA Capital's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.6% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh TATA Capital home loan over 20 years at 7.60% costs ₹40,586 a month, or ₹47,40,627 in total interest. Every 0.25% higher adds about ₹771 a month.
TATA Capital Home Loan FAQs
What is the TATA Capital home loan interest rate?
TATA Capital home loan rates start at 7.60% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my TATA Capital home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow TATA Capital to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will TATA Capital fund?
TATA Capital funds up to 90% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 18 Jun 2026 from Butter's lender rate data. Final terms are set by TATA Capital at sanction. Source: TATA Capital.