TATA Capital Housing Finance Loan Against Property
Tata Capital offers loans against property up to Rs. 10 Crores at attractive interest rates starting from as low as 9% p.a. It also offers the fixed interest rate option starting from 13% p.a. Tata Capital Housing Finance Limited Loan Against Property can be repaid in a flexible tenure up to 20 years. A processing fee of 1% to 3% is also charged on the sanctioned loan amount along with the applicable GST.
Apply for TATA Capital Housing Loan Against Property @ 9% Interest Rates

Key Detail of TCHFL Loan Against Property
Following are the key details of Tata Capital Housing Finance Limited Loan Against Property:
Loan amount | Rs. 5 Lakhs to Rs. 10 Crores |
Floating interest rate | 9% |
Fixed interest rate | Starting at 13% p.a. |
Processing fee | 1% to 3% of the finance amount + GST |
Tenure | 1 to 20 years |
Types of property | Commercial, residential or industrial properties |
Part prepayment charges | Up to 4% on excess prepaid amount |
Foreclosure charges | Up to 6% on principal outstanding |
Age | Minimum 23 years |
Net income | At least Rs. 15,000 per month |
Benefits of Tata Capital Housing Finance Loan Against Property
- Diverse property types accepted: You can get a loan against residential/ commercial/ industrial property, land and even a plot.
- High loan amount: Tata Capital offers loans ranging from Rs. 5 Lakhs to Rs. 10 Crores, enabling you the flexibility to meet your substantial financial needs including business expansion, debt consolidation, or funding any personal expenses.
- Attractive interest rate: Tata Capital Housing Finance loan against property interest rates are competitive and start from just 9% per annum. An affordable interest rate ensures that your borrowing cost remains manageable and you can make the most of your loan without worrying about high interest payments.
- Flexible tenure: Tata Capital provides flexible repayment tenure of up to 20 years, allowing you to get a repayment plan that matches your repayment capacity. You can opt for a shorter tenure if you want to repay your loan faster or a longer tenure for smaller and more manageable EMIs.
- Multiple usage options: A Tata Capital mortgage loan can be used for various purposes including weddings, vacations, business expansion, working capital, medical expenses, and so on.
- LAP Overdraft facility: The lender also offers a Loan Against Property Overdraft facility, with which you can withdraw funds whenever needed and pay interest only on the amount used. This feature is beneficial for managing cash flows more efficiently.
TCHFL Loan Against Property Interest Rates
Tata Capital loans against property interest rates is linked to TCL Retail Prime Lending Rates (TCL RPLR) for the loans disbursed on or after 1st May 2025. The interest rate may vary depending on the type of property, type of interest rate, loan amount, tenure, and borrower’s credit history.
Here is the loan against property interest rate charged by Tata Capital:
Floating rate of interest | 9% p.a. onwards |
Fixed rate of interest | 13% p.a. onwards |
SBL Micro LAP | 19% p.a. onwards |
Tata Capital Housing Finance Loan Against Property EMI Calculator
Here is how to calculate your EMI using a Loan Against Property EMI Calculator:
- Enter the loan amount (between Rs. 5 Lakhs to Rs. 10 Crores).
- Enter the interest rate (starting from 9% p.a.).
- The next step is entering the desired loan tenure (1 to 20 years) in the EMI calculator.
- Click the calculate button.
- The system will display your EMI monthly break-up of the interest and principal payment.
- If the EMI result is higher or lower than you expected, you can edit the principal amount and follow the same steps again.
TCHFL Loan Against Property Fee & Charges
Following are the fees and charges associated with the Tata Capital Housing Finance Limited Loan Against Property:
Processing fee | Residential & commercial properties: 1% to 3% of the finance amount + GST |
Rest all other properties: 1.25% to 3% of the finance amount + GST | |
SaRaL/ Mint Loan: 1.25% to 3% of the finance amount + GST | |
Part prepayment charges | Up to 4% on the amount prepaid in excess of 25% of the sanctioned amount |
Foreclosure charges | Up to 6% of principal outstanding |
Application fees | Rs. 3,000 for loan amounts up to Rs. 1 Crore & Rs. 5,000 for loan amounts above Rs. 1 Crore |
Default in payment of amounts due | 3% per month on overdue amount |
Dishonour of any cheque/ payment instruments | Rs. 600 for every cheque/ payment instrument dishonour |
Mandate rejection service charge | Rs. 450 + GST |
Annual maintenance charges (dropline facility) | Rs. 10,000 |
One-time maintenance charges (term loan facility) | Rs. 2,000 |
Statement of account | Rs. 250 (branch walk-in) |
Loan cancellation charges | Rs. 25,000 |
Payment instrument swapping charges | Rs. 550 per swap instance |
Duplicate repayment schedule/ NOC | Rs. 550 |
Issuance of duplicate agreement copy | Rs. 250 |
CERSAI charges | Rs. 50 for loans up to Rs. 5 Lakhs & Rs. 100 for loans above Rs. 5 Lakhs |
Document handling & retrieval charges | Rs. 5,000 |
LOD statement charges | Rs. 10,00 per request |
Provisional/ final interest certificate charges | Rs. 200 per request |
Other statement request charges | Rs. 500 per request |
Stamp duty | At Actuals |
Broken period interest | At Actuals |
Legal & technical charges | Rs. 6,000 for loans up to Rs. 1 Crore & Rs. 11,000 for loans above Rs. 1 Crore (Rs. 1,000 per additional property) |
Other charges | GST, other government taxes & levies as applicable, will be payable on all fees & charges |
Tata Capital Housing Finance Loan Against Property Eligibility Criteria
You must meet the following eligibility criteria to apply for a Tata Capital Housing Finance Loan Against Property:
Eligibility for Salaried Employees:
- The age of the applicant should be between 23 to 65 years or up to the age of retirement (whichever is earlier at loan maturity).
- The applicant must be employed in an MNC, Public Limited Company, Large Private Limited Company, State Government, Central Government, or PSU.
- The monthly net income of the applicant must be at least Rs. 15,000.
- The applicant should have a minimum of 3 years of occupational stability.
Eligibility for Self-Employed Individuals:
- The age of the applicant should be between 23 to 65 years or up to the age of retirement (whichever is earlier at loan maturity).
- The applicant must be a doctor, chartered accountant, architect, trader, retailer, or wholesaler.
- Applicant’s annual income should be at least Rs. 2,50,000.
- The applicant should have a minimum of 3 years of occupational stability (5 years for non-individuals with at least 2 years of cash profit).
Documents Required for Tata Capital Loan Against Property
Documents required for salaried employees:
- Photo identity proof: A copy of Voter ID/ Passport/ Driving License/ Aadhaar Card
- Address proof: A copy of Voter ID/ Passport/ Driving License/ Aadhaar Card
- Signature verification
- Photograph
- Permanent Account Number (PAN) or Form 60 (wherever applicable)
- Income proof: Form 16 for the last 2 years, a copy of your bank statements for the last 12 months, and a copy of your salary slips for the last 3 months
Documents required for self-employed professionals & self-employed non-professionals:
- Photo identity proof: A copy of Voter ID/ Passport/ Driving License/ Aadhaar Card
- Address proof: A copy of Voter ID/ Passport/ Driving License/ Aadhaar Card
- Signature verification
- Photograph
- Permanent Account Number (PAN) or Form 60 (wherever applicable)
- Income proof: Income Tax Return (ITR), Profit & Loss, Balance Sheet, and a copy of your bank statements for the last 12 months
Documents required for non-individuals
- Address proof: A copy of Voter ID/ Passport/ Driving License/ Aadhaar Card
- Permanent Account Number (PAN) or Form 60 (wherever applicable)
- Authorised signatory verification
- Firm KYC
- Income proof: ITR, Profit & Loss, Balance Sheet, and a copy of your bank statements for the last 12 months
Why Choose TCHFL Loan Against Property?
- Customized products: Tata Capital loan against property is completely customisable to suit all your small or big requirements.
- Quick & easy application process: The loan can be availed online in a few simple steps. Just click on 'Apply' to get started with your loan against property application process. Check your eligibility, fill out the form, and submit it with the required documents. That's it.
- Transparent process: Tata Capital believes in complete transparency in all its dealings. There are no hidden fees or charges. Also, all terms and conditions are clearly communicated upfront.
- Simplified & minimum documentation: When need funds urgently, lengthy paperwork can be frustrating. However, with Tata Capital, you can avail of a property loan instantly with minimal documentation.
- Strong after-sales service: Your loan journey with Tata Capital does not end after your loan is approved. Tata Capital’s executives are ready to help you with all your mortgage loan queries and requirements throughout your tenure.
Tata Capital Housing Finance Limited Customer Care Details
To resolve your grievances regarding the Tata Capital loan against property, you may call or write to Tata Capital Housing Finance Limited Customer Care.
- Customer care number: 1860 267 6060
- Email ID: customercare.housing@tatacapital.com
FAQs
The rate of interest for a loan against property in Tata Capital Housing Finance Limited starts from as low as 9% p.a. (floating). It also offers the fixed interest rate option starting from 13% p.a.
The maximum loan amount you can get from TCHFL against your property if up to Rs. 10 Crores.
You can get a loan against residential/ commercial/ industrial property, land, and even a plot with Tata Capital Housing Finance.
Tata Capital offers a loan-to-value ratio of up to 90% for a loan against property.