Tata Capital Housing is a housing finance company. It advertises its home loan from 7.75%, and can charge up to 10.75% on the same product. Both are priced below.
What it costs per month
On ₹50,00,000 over 20 years.
| Rate | EMI | Total interest |
|---|---|---|
| 7.75% | ₹41,047 | ₹48,51,383 |
| 10.75% | ₹50,761 | ₹71,82,747 |
Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional. For a different amount or tenure, use the EMI calculator.
The three-point spread is the story
₹9,714 a month, and ₹23,31,364 in extra interest over twenty years, separates the top of this band from the bottom. That is a wider spread than most bank home loans carry, which is normal for a housing finance company — it lends to borrower profiles a bank will decline, and prices the risk. Read home loan eligibility to see what pushes you up or down the band, and if you are self-employed, home loan for self-employed covers how the income assessment differs.
If you land near the top of the range, plan the exit at the same time as the entry: a part-prepayment early in the schedule removes disproportionate interest, and the prepayment calculator quantifies it.
How it compares
Tata Capital is 11th cheapest of the 12 home loan providers we track, 0.55% above Bank of Baroda at 7.20%. The full table is at home loan interest rates.
Terms change without notice. Confirm the current figures with Tata Capital before you act.
Related reading
Tata Capital Home Loan Interest Rate Today
What Tata Capital Housing advertises, the most it can charge, and where it ranks.
17 Sep 2026 · 1 min
Tata Capital Housing Home Loan Fees and Charges — October 2026
The processing fee Tata Capital Housing publishes, plus the charges that sit outside it.
17 Sep 2026 · 1 min