Tata Capital Housing is a housing finance company. We hold dated rates for two of its products and score each of them, giving it an overall Credsir rating of 2.2 out of 5 — the lowest band on our scale for a lender we track in full.
Best for: borrowers who want a home loan from a large non-bank lender and will trade 0.55 points against the market’s best rate for it.
Where it falls short
- Home loan starts 0.55 points above Bank of Baroda, the cheapest lender we track — #11 of 12
- Very wide band between the advertised home loan rate and its ceiling — treat the headline figure as a best case, not a planning number — 1/5
- Personal loan starts 2.00 points above the HDFC Bank personal loan, the cheapest we track — #8 of 8
- Very wide band between the advertised personal loan rate and its ceiling — 1.8/5
Rates and fees
| Product | Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|---|
| Home loan | 7.75% | 10.75% | PLR-linked | Up to 1% |
| Personal loan | 11.99% | 29.00% | Up to 6 years | Up to 3% |
Updated 15 Aug 2026 · Tata Capital Housing’s rate cards and published comparisons, across 2 products. Advertised rates are the floor, not an offer.
Tata Capital products, rated
We score each product against every other provider we track for it. The same formula runs on every lender on this site, and we publish it in full.
Home loan — 2.6/5
| Rate from | 7.75% (starting rate) |
|---|---|
| Maximum rate | 10.75% |
| Terms | PLR-linked |
| Fee | Up to 1% |
How it compares: the cheapest provider we track for this product is Bank of Baroda at 7.20%, 0.55 percentage points cheaper. A three-point band between the floor and the ceiling is unusually wide, which is why the product scores below the market despite an advertised rate that looks competitive. The full home loan breakdown sets the two ends against each other, and every lender we track is on home loan interest rates.
Personal loan — 1.7/5
| Rate from | 11.99% (starting rate) |
|---|---|
| Maximum rate | 29.00% |
| Terms | Up to 6 years |
| Fee | Up to 3% |
How it compares: the cheapest provider we track for this product is HDFC Bank at 9.99%, 2.00 percentage points cheaper. The 11.99% to 29.00% band is the widest on our table, so treat the advertised number as a best case. The ranking against every other lender is on personal loan interest rates.
How we rated this lender
We take no money for ratings, and no lender can influence one. Every score above is simple maths on a dated rate table. Change the table and the score moves by itself. Read the full method.
| Products rated | 2 — every product we hold a dated rate for at Tata Capital Housing |
|---|---|
| Competitor rates compared | 20 |
| Paid for this rating | ₹0 |
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