50 Lakh Tata Capital Home Loan

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Owning a home is a lifelong dream, and Tata Capital’s ₹50 Lakh home loan can help make that dream a reality. This scheme comes with low interest rates and easy repayment terms that cater to your needs. A Tata Capital 50 Lakh home loan serves mutliple purposes including new home purchase, renovation, and extension. Moreover, one can utilise the funds to improves the overall standards of their existing house enabling improved functionality and contributing to long-term value appreciation. Read on to learn more about this loan scheme.

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Table of Content

1. 50 Lakh Home Loan Tata Capital Highlights

2. 50 Lakh Home Loan EMI for 5 Years Tata Capital

3. 50 Lakh Home Loan EMI for 10 Years Tata Capital

4. 50 Lakh Home Loan EMI for 15 Years Tata Capital

5. 50 Lakh Home Loan EMI for 20 Years Tata Capital

6. 50 Lakh Home Loan EMI for 25 Years Tata Capital

7. 50 Lakh Home Loan EMI for 30 Years Tata Capital

8. 50 Lakh Tata Capital Home Loan Fees and Charges

9. 50 Lakh Tata Capital Home Loan Documents Required

10. 50 Lakh Tata Capital Home Loan Eligibility Criteria

Written By

Rahul Gautam

Rahul is a finance writer with a background in Journalism. He specialises in making complex financial topics easy to understand. He writes about credit cards, banking, loans, and financial institutions, helping readers explore the financial world with clarity and confidence. His work is both informative and engaging.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

₹50 Lakh Home Loan Tata Capital – Highlights

Have a look at the Tata Capital’s home loan interest rates for ₹50 Lakhs, along with highlights:

Key Highlights	Details
Loan Amount	50 Lakh
Interest Rate	Starts at 8.75% for Salaried & 8.85% for Self-employed
Loan Tenure	Till 30 years
Income Criteria	Stable Income

₹50 Lakh Home Loan EMI for 5 Years Tata Capital

Tata Capital’s housing loan EMI for ₹50 Lakhs is mentioned below in detail:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	5 years	1,03,186	11,91,170	61,91,170

₹50 Lakh Home Loan EMI for 10 Years Tata Capital

Here are the ₹50 Lakhs home loan EMI for 10 years from the Tata Capital:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	10 years	62,663	25,19,605	75,19,605

₹50 Lakh Home Loan EMI for 15 Years Tata Capital

For an amount of ₹50 Lakhs, the EMI for 15 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	15 years	49,972	39,95,038	89,95,038

₹50 Lakh Home Loan EMI for 20 Years Tata Capital

₹50 Lakh home loan EMI for 20 years from Tata Capital is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	20 years	44,186	56,04,528	1,06,04,528

₹50 Lakh Home Loan EMI for 25 Years Tata Capital

Tata Capital’s home loan of ₹50 Lakhs EMI for 25 years is as follows:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	25 years	41,107	73,32,155	1,23,32,155

₹50 Lakh Home Loan EMI for 30 Years Tata Capital

Let’s have a look at Tata Capital housing loan EMI for 30 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total Amount Payment
₹50 Lakhs	8.75% p.a.	30 years	39,335	91,60,607	1,41,60,607

₹50 Lakh Tata Capital Home Loan – Fees and Charges

The fees and charges required for a 50 Lakh Tata Capital home loan are mentioned below:

Processing Fee: A one-time fee for processing your home loan application. Tata Capital charges up to 2% of the loan amount plus GST.
Foreclosure Charges: Tata Capital does not charge foreclosure fees if you prepay the loan with your funds.
Delayed EMI Payments: The unpaid amount is subject to a monthly penalty charge of 2.36% (including GST).
Collection Agency Fee: Tata Capital may hire a collection agency if a borrower misses loan payments. Any fees for this service will be passed to the borrower.
Legal Charges: This covers verifying your property documents, and Tata Capital may charge the borrower this fee.
Other Charges: Additional fees may include:
Loan registration fees
MOD (Memorandum of Deposit) charges
PDC (Post-Dated Cheque) charges
Loan cancellation fees
Cheque bounce fees
Account maintenance fees
NOI (No Objection Certificate) charges

₹50 Lakh Tata Capital Home Loan – Documents Required

Here is a complete detail of the documents required for Tata Capital’s 50 lakh home loan:

Document Type	Salaried Person	Self-Employed	NRI
Age Proof	Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, School Leaving Certificate
Photo Identity Proof	Voter ID Card, Passport, Driving License, Aadhaar Card, PAN Card
Address Proof	Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, Voter ID Card
Income Proof	Salary Slips (last 3 months), Salary Bank Account Statements (last 12 months), Appointment letter, Yearly increment letter, Certified true copy of Form 16	Profit & Loss Projection Statement (last 2 years), Operative current account statement (last 12 months), Bank statements for last 12 months of CC/OD facilities (if taken)	Overseas salary account details for Indian NRE/NRO account statements (last 12 months)
Existing Loan Details	Bank Statements or Loan Statements
Processing Fee Cheque	From salary account	From business account	From salary or business account
Business Proof	–	Income Tax Returns (last 2 years), Business Profile on letterhead, Business Registration Certificate	–
Employment Proof	–	–	Pay slips (last 6 months), Employment stability documents (appointment letter, previous employment history)
Credit Report	–	–	Credit Report of current country of residence (where applicable)

₹50 Lakh Tata Capital Home Loan – Eligibility Criteria

Have a look at the eligibility criteria for Tata Capital 50 Lakh home loan:

Age: Applicants must be between 21 and 65 years old.
Income: A stable income is required. You can check your eligibility online with an EMI or home loan eligibility calculator.
Loan Tenure: Loan terms range from 5 to 30 years.
Employment: Applicable for salaried employees, self-employed professionals, and entrepreneurs.
Credit Score: A good credit score is important for approval, showing financial discipline and creditworthiness.

Frequently Asked Questions (FAQs)

What is the EMI for a ₹50 Lakh Home Loan for 20 years in the Tata Capital?

With an interest rate of 8.75%, the EMI for a ₹50 Lakh Home Loan for 20 years in the Tata Capital is ₹44,186.

Who is eligible for a ₹50 Lakhs Home Loan in the Tata Capital?

To be eligible for a ₹20 lakh Home Loan with Tata Capital, you should be between 21 and 65 years of age. A steady income is also required, whether salaried or self-employed.

What is the monthly interest rate of a ₹50 Lakh home loan in Tata Capital?

0.72% will be the monthly interest rate of a ₹50 Lakh home loan in Tata Capital.

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