Total EMI


Total Interest


Total Payments


Break-up of Loan Amount
Created with Highcharts 4.2.2 50,00,000 69,80,559 Total Interest Principal Loan Amount
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About Tata Capital Home Loan

Tata Capital Housing Finance Ltd also known as TCHFL is one of the most prestigious and leading housing finance providers in India. TCHFL provides several Home Loan products and offers to meet the requirements of its customers. TCHFL understands the importance of the house and all the sentiments and emotions attached to it.

Therefore, TCHFL strives to guide a borrower throughout the Home Loan process and provide the best customer service. The Home Loan from TCHFL can be used to purchase a house/flat/apartment, construct a house, purchase a plot or for home improvement purpose. The housing loans offered at TCHFL are drafted after thorough research on customers across the nation.

Highlights of the Tata Capital Home Loan

Purpose of loan:  The Home Loan from Tata Capital Housing Finance Ltd can be availed for the purchase of house/flat/apartments, construction of house or purchase of a plot for residential use. The Home Loan can be used to make any changes and improvement in the existing house.

Key features of Tata Capital Home Loan:

  • Tata Capital Home Loans are available for both salaried and self-employed
  • The Home Loan interest rates of interest at Tata Capital Housing Finance Ltd start at 9.25%. TCHFL offers a special discounted rate of interest for women borrowers
  • The age criteria to avail Home Loan from TCHFL is between 24 to 65 years
  • The property a borrower wishes to buy acts as security to avail Tata Capital Home Loan
  • Tata Capital Housing Finance Ltd provides a Home Loan at 80% LTV, a maximum of 5 Crores and a minimum of 2 Lakhs.
  • The maximum repayment tenure for Tata Capital Home Loan is up to 30 years
  • The lowest EMI at TCHFL is 823 per lakh

Processing fees: Tata Capital Housing Finance Ltd charges a processing fee up to 0.5% of the sanctioned Home Loan amount plus applicable GST.

Tata Capital Home Loan EMI Calculator

The Home Loan EMI Calculator is of great use to determine the Home Loan equated monthly instalment (EMI) amount. This estimation of payable EMI every month against the Home Loan taken helps the borrower to plan the finances as per the monthly budget. The borrower can plan the monthly expenses and finances based on the EMI amount they are liable to pay against the Home Loan. It helps to reduce the financial stress and prepares borrower for the upcoming financial obligation.

The important parameters such as loan amount, loan tenure, and rate of interest are to be provided by the borrower for calculating the Home Loan EMI. The online Home Loan EMI Calculator is very easy to use and provides accurate results. The calculator can also be used a number of times to arrive at the affordable EMI as per the budgetary constraints of the borrower.

The EMI is the amount payable by the borrower against the Home Loan taken. The EMI is paid every month on a fixed date by the borrower towards the repayment of the Home Loan.

Tata Capital offers housing loans with a period of up to 30 years along with the monthly EMI as low as 823 per lakh in order to make it more convenient to meet your requirements. The lowest rate of interest that is offered by Tata Capital bank on housing loan is 9.25%.

Home Loan EMI Calculator Results

Tata Capital Home Loan EMI for Different Amounts and Tenures @9.25% Interest Rate

Loan Amount

Loan Tenure


5 years

20 years

30 years

















  • The above table gives all the details of the various home amounts that are taken at a very low interest rate, the EMI also differs on the basis of the tenure at 5, 20 and 30 years. The EMI is more when you take a Home Loan for a shorter period of 5 years and it is less when the loan tenure is high say 30 years.
  • The EMI includes both the interest and the principal amount. Even though the EMI amount will remain stable, the interest and principal amount will vary with each EMI. With every EMI paid, the proportion of the principal repayment in EMI keeps increasing and the interest component keeps reducing.

Tata Capital EMI for 1 Lakh at 9.25% Interest Rate for Different Tenures

  5 years 10 years 15 years 30 years

EMI when loan amount is 1 Lakh @ 9.25% interest rate





Total amount payable to bank (principal + interest)





Interest payable over the loan tenure





The table above depicts the details of the tenure and the EMI of your Home Loan. The longer your repayment tenure, the lower is the EMI that you need to pay on the Home Loan availed. However, the total interest outgo is higher in a longer period Home Loan.

For example, in case you take 1 Lakh Home Loan for duration of 30 years then you tend to pay the lowest EMI, which is 823 and the interest that you would be paying is 1,96,163.

Unlikely, in case you take a Home Loan of 1 Lakh from Tata Capital at the lowest loan interest rate, i.e., 9.25% for duration of 5 years, then you pay a higher EMI at 2,088 per month. The interest paid is only 25,279, which is lower than the amount that is paid for tenure of 30 years Home Loan. Hence, it is always better that you choose the loan based on the tenure to control your interest expenses.

Tata Capital EMI Calculator Formula

The formula used by the EMI Calculator is P*r* (1+r)^n/([(1+r)^n]-1)

Here, for Tata Capital Home Loan:

P = Loan amount which ranges between 2 Lakh to 5 Crores

r = Rate of interest/month, which starts at 9.25% at present

n = tenure in months, which can be maximum 360 months for Tata Capital Home Loans

Factors Affecting Tata Capital Home Loans Home Loan EMI

  • Loan amount: The Home Loan amount has a direct effect on the EMI amount a borrower needs to pay against the Home Loan. The higher the Home Loan amount, the higher the monthly EMI will be. The maximum Home Loan amount a borrower can avail at Tata Capital is 5 Crores and the minimum Home Loan amount is 2 Lakhs.
  • Interest rate: It is very important to compare interest rates offered by various banks and financial institutions before applying for the home. The interest rate can increase or decrease your monthly EMI amount. The Home Loan interest rates at Tata Capital start at 9.25%.
  • Loan tenure: Home Loan tenure is the period during which a borrower needs to repay the entire Home Loan amount with interest. The age of the borrower while applying for the Home Loan has an effect on the Home Loan tenure. The longer the Home Loan tenure, the lower will be your monthly EMI. The maximum Home Loan tenure at Tata Capital is 30 years.
  • Occupation of the borrowers: Tata Capital offers good interest rates to salaried individuals as they have a stable income as compared to self-employed individuals.
  • Existing relationship:Based on the past relationship with customers, Tata Capital can offer lower interest rates on the Home Loan.

Tips to Decide the Right Amount of EMI

  • Ascertain the amount you need to borrow: An estimation of the Home Loan amount prior to applying for the Home Loan at Tata Capital will help the borrower to plan the finances accordingly. The Home Loan is long-term secured loan and comes at a high interest cost, therefore, it is recommended to opt for minimal Home Loan amount to save your interest outgo. Applying for the shorter loan tenure can help you reduce your total interest on Home Loan.
  • Review your current obligations: It is necessary to take into consideration all the current obligations such as existing EMIs if any, before applying for the Home Loan. This assessment will help you to arrive at a comfortable EMI amount you can pay towards the repayment of the Home Loan.
  • Calculate your Tata Capital Home Loan eligibility: Tata Capital determines Home Loan eligibility of a borrower by considering their income, FOIR (fixed obligation to income ratio), credit score, age, and other factors. It's useful to know your eligibility for a loan before applying for the same. 

Change in EMI on Prepayment

If the borrower prepays a part amount of Home Loan, the following are the options provided by Tata Capital:

  • Reduce your loan tenure and keep EMI on your Home Loan unchanged:The borrower can opt to reduce the Home Loan tenure and keep the EMI unchanged. This will help the borrower to pay off the loan faster and reduce the overall interest on the Home Loan. This option is preferred by the borrowers having limited obligations.
  • Reduce the amount of EMI and keep your loan tenure same: The borrower can also choose to reduce the EMI by opting for a longer tenure. This is apt for the borrowers having higher monthly expenses and not willing to reduce the monthly EMI on a Home Loan.

Importance of Calculating EMI before Taking Tata Capital Home Loan

Following are the benefits of calculating the EMI prior to applying for the Home Loan at Tata Capital:

  • Estimating the EMI before applying for the loan can help the borrower to plan the monthly budget. If the EMI amount does not fit in the monthly budget. The borrower can adjust the Home Loan amount to arrive at desired affordable EMI.
  • It is easy to plan the monthly expenses if the borrower has an exact idea of the EMI amount payable against the Home Loan.
  • On the basis of the EMI amount, the borrower can decide to make a prepayment of the Home Loan in case of surplus amount.

How to Use MyMoneyMantra EMI Calculator to Calculate Tata Capital Home Loan EMI?

The MyMoneyMantra Home Loan EMI Calculator is very easy to use and gives instant results. Following are the steps to use the freely available online EMI Calculator at MyMoneyMantra:

  • Log on to the MyMoneyMantra's EMI Calculator under the finance tools tab
  • You will be directed to a page where you need to enter all the loan parameters like Home Loan amount, interest rate, and tenure.
  • Enter the details and click on the Calculate button
  • After clicking the Calculate button, you will instantly get the monthly payable EMI amount on the Home Loan.
  • You can also change the parameters to find the best suitable EMI as per your budget
  • After completing the EMI calculation, you can also check your Home Loan eligibility and get the best quotes for the Home Loan.
  • You can apply for the Tata Capital Home Loan at MyMoneyMantra

Benefits of Using MyMoneyMantra's EMI Calculator

The online EMI Calculator helps the borrower to know the EMI amount that the borrower will have to pay every month to repay the Home Loan. This facilitates the best financial planning and reduces stress on the borrower. The online EMI calculator is very easy to use and simple as well. 

Here are some other benefits of using this tool:

  • Free access anytime anywhere
  • Accurate outcome based on the parameters entered
  • Saves time and effort
  • Calculate EMI instantly
  • Helps in better financial planning
  • No chances of calculation errors
  • The same calculator can be used for every loan

FAQs on Tata Capital Home Loans

Are there any prepayment charges on the Home Loan at Tata Capital?

No. There are no charges for prepayment of Tata Capital Home Loan (floating interest rate) if you pay off the loan with your own funds. However, if the Home Loan has a fixed interest rate and you use someone else's money, then a foreclosure charge will apply. Following are the details of the charges that apply:

  • For floating interest rate Home Loan
    • Individual/Non individual: 2% of the outstanding principal amount + applicable taxes for full prepayment and 2% of the amount prepaid over 25% of principal outstanding for part prepayment.
    • Others: Nil charges
  • For fixed interest rate Home Loan
    • Individual/Non individual: No charges for foreclosure (if done through own funds) and 2% of the outstanding principal amount + applicable taxes for closure through balance transfer.

What is the lowest EMI per lakh on Tata Capital Home Loan?

The lowest EMI per lakh on Tata Capital Home Loan at the interest of 9.25% is 823 (for 30 years tenure).

What is the processing fee on a Home Loan at Tata Capital?

The processing fee for Tata Capital Home Loan may vary from 0.5% to 2% of the sanctioned Home Loan amount.

How can I use Tata Capital Home Loan?

Tata Capital Home Loans can be used for:

  • Purchase of a new house/apartment
  • Purchase of a plot to construct a house on it
  • To add a new built-up area
  • Remodelling

What is the maximum repayment tenure available for Tata Capital Home Loan?

You can repay your housing loan under 30 years of tenure.

What is the maximum Home Loan amount available at Tata Capital Housing Finance?

You can get a loan amount anywhere from  2 Lakhs to 5 Crores, subject to 80% of the market value of the property.

Does Tata Capital refund processing fee?

No. The processing fee charged on Tata Capital Home Loan is non-fundable as they incur various expenses during Home Loan application process such as scrutiny of the application, verification of documents, assessing the application, calculating Home Loan eligibility, and so on.

Which type of interest rate does Tata Capital offer on Home Loans?

Tata Capital gives you the flexibility to choose a Fixed Rate Home Loan/ Home Equity Loan (for initial 3 years) which will be converted into floating rate after three years.