Typically, when you apply for a Tata Capital home loan, the following steps given below need to be followed:

1. To begin, fill out a home loan application form online.
2. Upload necessary KYC, Financial, and Property documents
3. Undergo loan processing along with legal and technical verification
4. The bank will determine your loan eligibility and issue a sanction letter. It will include important details such as the sanctioned loan amount, interest rate, loan tenure, type of interest rate applicable, EMI payable, the validity of the sanction letter, special conditions (if any), and other terms and conditions.
5. Once you have submitted all the Tata Capital bank home loan required documents and a request for home loan disbursement, the bank will begin issuing your home loan disbursement cheque.

Complete details of the documents you need to submit to secure a Tata Capital Home Loan is given in table below:

Tata Capital home loan provides the lowest interest rates available & flexible repayment options. Their customer-centric approach ensures personalized solutions, quick approvals, and expert guidance throughout your home-buying journey. They also offer a seamless ‘Digital’ experience that helps you apply for a home loan without any hassles.

Typically, Tata Capital Home loan takes a maximum of 7-14 working days to get sanctioned.

If you apply for a Tata Capital home loan and want to get it approved quickly, you must have a minimum CIBIL score of 650 or above.

Generally, the maximum limit of a Tata Capital loan is Rs 5 Crore. The minimum home loan amount that Tata Capital provides is about Rs 3 lakhs.

It is not required to have a co-applicant. However, you should have one while applying for a Tata Capital Home Loan because it enhances your home loan eligibility, shows the lender your creditworthiness, and increases your chances of improving terms and conditions.

The Tata Capital Bank home loan interest rate will change depending on your home loan type. They are as given below:

1. Fixed Interest Rate: The interest rate remains constant throughout the loan tenure.
2. Floating Interest Rate: The interest rate is linked to a benchmark rate like the MCLR (Marginal Cost of Funds based Lending Rate) or the Repo Rate and can change during the loan’s tenure.

Possessing your returns for three financial years can help you quickly secure a Tata Capital Home Loan. However, you can get a Tata Capital Home loan despite not having income tax returns for three years. If you want to obtain a small loan and have a solid CIBIL score demonstrating your creditworthiness, you may meet the Tata Capital Bank home loan eligibility criteria, making it easier to get approved.

Typically, after receiving sanction for a Tata Capital Home Loan, the loan should be disbursed in a maximum of 4-5 working days.