Tata Capital · housing finance company
Tata Capital Housing Finance home loan interest rate today
Tata Capital Housing Finance publishes home loan interest rates from 8.00% for new loans (checked 18 Oct 2026). It sets its own rate rather than following the RBI repo rate. To move an existing loan to a lower rate with Tata Capital, the fee is about ₹14,160 with GST on a ₹50 lakh loan, as published by Tata Capital.
Checked 18 Oct 2026 · Tata Capital's rate page
- Rate for new loans
- From 8.00%
- On Tata Capital's site
- RBI repo rate
- Own rate
- Set by the lender
- Fee to lower rate
- ₹14,160
- ₹50 lakh loan, with GST
- Checked
- 18 Oct
- 2026
Rates for new loans
- Salaried (8.00% to 13.00%)8.00%
- Self-employed (8.35% to 13.00%)8.35%
Source: tatacapital.com · checked 18 Oct 2026 · from the official website
How the rate moves
Tata Capital sets its own rate, using its RPLR / NRPLR (internal prime lending rate). It does not have to move when the RBI changes the repo rate.
Rates are set by the lender's own prime lending rate (NRPLR for loans from 12 Apr 2024), not directly by the RBI repo rate.
How to ask Tata Capital for a lower rate
If you already have a loan with Tata Capital, you can ask it in writing to move you to its current rate. It is a request, and the lender decides.
- Raise a rate-revision request on the Tata Capital customer portal or by email to the housing-loan customer care address.
- Ask for written confirmation of the fee (up to ₹12,000 plus GST) and a request number.
These steps are what borrowers report; Tata Capital's own site does not set them out. Ask your branch to confirm.
The fee: about ₹14,160 with GST on a ₹50 lakh loan. Rate-switch conversion fee of up to ₹12,000 plus GST per request (customer-initiated), per the lender's terms (MITC).
Source: tatacapital.com · checked 18 Oct 2026 · from the official website
Paying off early
For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where to complain
Complain to Tata Capital first and keep the reference number it gives you.
Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
After Tata Capital, the next step is the National Housing Bank. It is free and you do not need a lawyer.
Questions people ask
What is Tata Capital Housing Finance's home loan interest rate today?
Tata Capital Housing Finance publishes home loan interest rates from 8.00% for new loans (checked 18 Oct 2026). The rate you get depends on your credit score and loan, and Tata Capital decides the final rate.
Does Tata Capital Housing Finance's home loan rate change when the RBI changes the repo rate?
Tata Capital sets its own rate, using its RPLR / NRPLR (internal prime lending rate). It does not have to move when the RBI changes the repo rate. Rates are set by the lender's own prime lending rate (NRPLR for loans from 12 Apr 2024), not directly by the RBI repo rate.
How do I get a lower rate on my existing Tata Capital Housing Finance home loan?
Ask Tata Capital in writing to move your loan to its current rate. Raise a rate-revision request on the Tata Capital customer portal or by email to the housing-loan customer care address. Ask for written confirmation of the fee (up to ₹12,000 plus GST) and a request number. The fee is about ₹14,160 with GST on a ₹50 lakh loan, as published by Tata Capital. A lower rate is a request: the lender decides.
Can Tata Capital Housing Finance charge me for paying off my home loan early?
No, not on a floating-rate home loan. For loans sanctioned or renewed on or after 1 January 2026, no bank, NBFC or housing finance company may charge for part or full pre-payment of a floating-rate loan taken by an individual for non-business purposes, whatever the source of funds and with no lock-in. Older floating-rate home loans were already protected by RBI's 2012 and 2014 circulars (banks) and NHB directions (HFCs). Any charge not written in your sanction letter or Key Facts Statement cannot be levied.
Where do I complain if Tata Capital Housing Finance does not reply?
Complain to Tata Capital first through its complaints page ([email protected]). Housing finance companies are not covered by the RBI Ombudsman. If there is no reply within about 30 days, or the reply does not satisfy you, complain to the National Housing Bank for free at grids.nhbonline.org.in (GRIDS), or by post with its complaint form.
Compare with other lenders
- PNB Housing Financefrom 7.75%
- Bajaj Housing Financefrom 7.50%
- LIC Housing Financefrom 7.50%
- Axis Bankfrom 8.00%
Moving your loan to Tata Capital from another lender: a processing fee of about ₹11,918 with GST on a ₹50 lakh loan, as published by Tata Capital, plus stamp duty in some states.
Words on this page
- RBI repo rate:
- the rate the Reserve Bank of India sets for lending to banks. Many home loan rates move with it.
- Prime lending rate:
- the lender's own reference rate (LHPLR, RPLR, PNBHFR and similar). The lender sets it; it does not have to follow the RBI repo rate.
- GST:
- Goods and Services Tax: 18% on bank fees.