Tata Capital Loan Against Property: Eligibility, Interest Rate, Documents & Online Apply

Tata Capital Loan Against Property Interest Rates (2025)

Tata Capital offers flexible interest rate options for its Loan Against Property (LAP), designed to suit diverse borrower needs:

• Floating Rates: Start from 9.00% p.a., applicable across LAP, top-up, and hybrid term loans. These rates are tied to market benchmarks and may vary based on property type, credit score, loan amount, tenure, and borrower profile

• Fixed Rates: Range between 13.00% to 17.00% p.a., offering EMI stability throughout the tenure

What Affects These Rates?

Tata Capital’s interest rates factor in:

• Your credit score and repayment history.

• The type and value of collateral property.

• Loan tenure and loan amount.

• Borrower profile, such as age, occupation, and stability

Compare LAP Interest Rates: Tata Capital vs Top Lenders (2025)

Tata Capital remains highly competitive on the lower end, especially with floating rates starting at 9.00% p.a. However, the fixed rate tier is higher, reflecting the extra security and predictability it offers.

Eligibility Criteria for Tata Capital Loan Against Property

To qualify for a Tata Capital Loan Against Property, applicants should meet the following criteria:

• Age: Applicants should be between 21 and 65 years old at the time of loan maturity.

• Employment Type: Open to both salaried professionals and self-employed individuals (including business owners and professionals).

• Income: Requires a stable income—salary for employed applicants or dependable business income for self-employed—demonstrated through financial documents.

• CIBIL Score: A good credit score, ideally 750 and above, is advantageous for better interest rates and faster loan approval.

• Property Requirements: The property offered must be residential or commercial, free from liens, and fully owned by the applicant(s). Clear title deeds and compliance with local approvals are essential.

At CreditCares, we help you effortlessly assess your eligibility. Through our partnerships with banks and NBFCs, including Tata Capital, we guide you at every step— from criteria checks and documentation to securing the best possible LAP offer tailored to your profile.

Documents Required for Tata Capital Loan Against Property (LAP)

To apply for a Tata Capital Loan Against Property, applicants need to submit specific documents that verify their identity, income, and property ownership. The checklist differs slightly for salaried and self-employed applicants:

For Salaried Applicants

• Identity Proof: Aadhaar Card, Passport, , PAN Card or Voter ID

• Address Proof: Utility bills, Passport, or Aadhaar Card

• Income Proof: Latest 3 months’ salary slips and last 6 months’ bank statements

• Form 16 / Income Tax Returns (ITR): For the last 2 years

• Property Documents: Title deed, approved plan, and previous ownership chain (if applicable)

• Photographs: Recent passport-size photos

For Self-Employed Applicants

• Identity & Address Proof: Aadhaar Card, Passport, Voter ID, or PAN Card

• Income Proof: Last 2-3 years’ Income Tax Returns (ITR) with computation

• Financial Statements: Profit & Loss Account, Balance Sheet certified by a CA

• Bank Statements: Last 6 months

• Business Proof: GST registration, business license, partnership deed, or company incorporation documents (as applicable)

• Property Documents: Title deed, approved plan, no-encumbrance certificate

• Photographs: Recent passport-size photos

At CreditCares, we simplify the documentation process. Our experts verify your papers beforehand, ensure no missing details, and coordinate directly with Tata Capital for fast approvals and smooth disbursal.

Documents Required for Tata Capital Loan Against Property (2025)

 At CreditCares, we ensure you don’t miss any document. Our experts help in compiling the correct paperwork, reducing delays, and ensuring a fast, hassle-free approval process with Tata Capital.

Tata Capital Loan Against Property EMI Calculator

Estimating your monthly repayment is simple with the Tata Capital Loan Against Property EMI Calculator. This online tool helps you calculate your EMIs instantly by entering the loan amount, tenure, and applicable interest rate. For example, if you borrow ₹50 lakh for 15 years at 10% p.a., your EMI will be approximately ₹53,730 per month. Similarly, a loan of ₹1 crore for 20 years at 9.75% p.a. will result in an EMI of around ₹94,749 per month.

Using the EMI calculator ensures that you can plan your budget effectively, compare different tenure options, and choose the repayment plan that fits your financial comfort. At CreditCares, we assist you in using the calculator smartly while comparing rates from multiple lenders to help you save on interest outgo.

Fees & Hidden Charges for Tata Capital Loan Against Property (2025)

To avoid surprises, it is important to be aware of the charges associated with Tata Capital LAP. Here’s a quick breakdown:

Knowing these fees in advance helps you plan repayment wisely. With CreditCares, you get complete transparency—we ensure there are no hidden surprises and guide you toward the most cost-effective loan option.

Applying for a Tata Capital Loan Against Property is quick and seamless. Here’s the step-by-step online process:

1. Access the Official Portal – Visit the Tata Capital Loan Against Property online application page.

2. Fill in Basic Details – Enter your personal information such as name, contact number, email, and loan requirement.

3. Provide Property & Income Details – Submit property type, value, and income documents for initial eligibility check.

4. Upload Documents – Upload ID proof, address proof, income proof, and property ownership documents.

5. Get Instant Approval – Tata Capital provides instant approval in principle based on eligibility.

6. Loan Disbursement – Upon successful verification, the sanctioned amount is credited directly to your account.

💡 At CreditCares, we simplify this process further by connecting you directly with Tata Capital relationship managers, ensuring faster approvals and exclusive offers.

Frequently Asked Questions (FAQs)

Q1. What is the minimum and maximum loan amount under Tata Capital LAP?
Tata Capital offers LAP starting from ₹10 lakh up to ₹5 crore, depending on eligibility and property value.

Q2. What is the maximum tenure available?
Borrowers can avail a repayment tenure of up to 15 years.

Q3. Is a good credit score mandatory?
Yes. A CIBIL score of 700+ is preferred for better interest rates and higher loan approval chances.

Q4. Can self-employed professionals apply?
Absolutely. Both salaried and self-employed individuals are eligible, subject to income proof and property ownership.

Q5. Are there prepayment charges?
Tata Capital may levy prepayment/foreclosure charges, depending on loan type (fixed/floating). Always confirm at the time of application.

Conclusion: Why Choose Tata Capital Loan Against Property with CreditCares

Tata Capital Loan Against Property is one of the most flexible and borrower-friendly financing solutions, offering competitive interest rates starting from 9% p.a., high-value funding up to ₹5 crore, and repayment flexibility of up to 15 years. Whether you are a salaried employee or a self-employed professional, Tata Capital ensures quick approvals and a hassle-free borrowing experience.

At CreditCares, we go beyond connecting you to lenders—we leverage our direct partnerships with Tata Capital and other leading banks to bring you the best interest rates, faster processing, and personalized assistance. From eligibility checks to document submission, our experts ensure that your LAP journey is smooth, transparent, and stress-free.

👉 Choose CreditCares today and unlock the true potential of your property with Tata Capital Loan Against Property.