Tata Capital Housing advertises a home loan from 8.00% p.a. and can charge up to 13.00% for this product. The advertised figure is a starting rate, not an offer.
| Advertised rate | 8.00% p.a. onwards |
|---|---|
| Maximum rate | 13.00% |
| Lender type | Housing finance company |
Updated 17 Sep 2026 · Lender rate pages, checked individually
The rate
| Advertised rate | Maximum rate | Terms | Processing fee |
|---|---|---|---|
| 8.00% | 13.00% | PLR-linked | Up to 3% + GST |
Updated 17 Sep 2026 · Lender rate pages, checked individually
Tata Capital Housing advertises from 8.00% and can charge up to 13.00% — a range of 5.00%, the widest reason to check your own offer rather than the headline. Where you land is set by your credit score, your down payment and your income type, not by bargaining; your credit score does most of the work.
This is a PLR-linked product rather than a repo-linked one, so the pass-through of an RBI cut is at the lender’s discretion — fixed vs floating home loan explains why that matters over a 20-year term. Price the monthly cost on the EMI calculator before you commit.
How it compares
Tata Capital Housing is the joint 10th cheapest of the 12 providers we track, 0.85% above Canara Bank, LIC Housing Finance and Union Bank of India at 7.15%. Compare the whole board on home loan interest rates, or see the ranked shortlist in best home loans.
Terms change without notice. Confirm the current figures with Tata Capital before you act.
Related reading
Tata Capital Home Loan EMI Calculator — Estimate in Seconds
What a Tata Capital home loan costs each month, and what the same loan costs at the highest rate it can charge.
6 Sep 2026 · 1 min
Tata Capital Housing Home Loan Fees and Charges — September 2026
The processing fee Tata Capital Housing publishes, plus the charges that sit outside it.
17 Sep 2026 · 1 min