Tata Capital Housing Finance Home Loan
Interest rates from 8.5% p.a. (up to 10.5%) · EMI from ₹38,446/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Tata Capital Housing Finance home loans
Tata-group HFC offering home loans up to ₹7.5 crore with flexible 30-year tenures.
Tata Capital home loan EMI table (8.5% p.a.)
Monthly EMI at Tata Capital's minimum rate. Tap any amount for the full breakdown.
How much interest will a Tata Capital loan cost?
A ₹50 lakh Tata Capital home loan at 8.5% over 20 years means about ₹54.14 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Tata Capital with other lenders →
Tata Capital home loan by city
Compare Tata Capital with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Tata Capital (this page) | 8.5% | ₹43,391 |
| Bandhan | 8.4% | ₹43,075 |
| ESAF SFB | 8.4% | ₹43,075 |
| KVB | 8.5% | ₹43,391 |
| LIC HFL | 8.5% | ₹43,391 |
| PNB Housing | 8.5% | ₹43,391 |
| Sundaram Home | 8.6% | ₹43,708 |
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Frequently Asked Questions
What is the Tata Capital Housing Finance home loan interest rate in 2026?
Tata Capital Housing Finance offers home loans starting at 8.5% p.a., going up to 10.5% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Tata Capital home loan?
At 8.5% p.a., a ₹50 lakh Tata Capital home loan has an EMI of about ₹43,391 for 20 years — roughly ₹38,446 for 30 years and ₹49,237 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Tata Capital home loan?
Tata Capital Housing Finance's processing fee is From 0.50% + GST, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Tata Capital home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Tata Capital home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Tata Capital Housing Finance before applying. NestSaver is an information and planning service, not a lender.