75 Lakh Tata Capital Home Loan

Tata Capital’s 75 lakh home loan features super-low interest rates, personalised repayment plans, and nominal processing fees, making it more cost-effective. The application process is completely digital and simple. Moreover, applicants can expect more transparent processes and quick fund disbursement, ensuring a stress-free borrowing experience. To help you make a more informed decision, Urban Money presents a detailed overview of this borrower-friendly credit option. We primarily provide insight into the 75 lakh home loan EMI in Tata Capital, available tenure, associated fees, etc. Let’s get started!

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Written By
Hepson Franklin
Hepson Franklin
Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.
Reviewed By
Amit Prakash Singh
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.

75 Lakh Home Loan Tata Capital – Highlights

The Tata Capital’s home loan interest rate for 75 lakhs and other key parameters are as follows:

Interest Rates 8.75% per annum onwards
Loan-To-Value (LTV) Ratio 80% of the property value
Loan Tenure Up to 30 years
Eligibility Either a salaried or self-employed individuals 

75 Lakh Home Loan EMI for 5 Years 

Have a close look at the 75 lakhs home loan EMI in Tata Capital with a tenure of 5 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 lakhs 8.75% p.a. 5 years ₹1,54,779 ₹17,86,740 ₹92,86,740

75 Lakh Home Loan EMI for 10 Years Tata Capital 

Following are the 75 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
₹75 lakhs 8.75% p.a. 10 years ₹93,995 ₹37,79,400 ₹1,12,79,400

75 Lakh Home Loan EMI for 15 Years Tata Capital

Let’s examine Tata Capital’s home loan EMI for 75 lakhs with a tenure of 15 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 lakhs 8.75% p.a. 15 years ₹74,959 ₹59,92,620 ₹1,34,92,620

75 Lakh Home Loan EMI for 20 Years Tata Capital

Below are the 75 lakhs home loan EMI for 20 years from the Tata Capital:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 lakhs 8.75% p.a. 20 years ₹66,278 ₹84,06,720 ₹1,59,06,720

75 Lakh Home Loan EMI for 25 Years Tata Capital 

Following are the 75 lakhs home loan EMI for 25 years from the Tata Capital:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
₹75 lakhs 8.75% p.a. 25 years ₹61,661 ₹1,09,98,300 ₹1,84,98,300

75 Lakh Tata Capital Home Loan – Fees and Charges 

Let’s examine the fees and charges in addition to the Tata Capital home loan interest rate of 75 lakhs:

Fee/Charge Amount
Processing Fee 0.1% of the loan amount
Prepayment Charges  Nil
Late Payment Panality  2% extra above the prevailing interest rate
Legal Charges Applicable 
Stamp Duty and Registration As per the state law

75 Lakh Tata Capital Home Loan – Documents Required

Here are the required documents for the Tata Capital’s 75 lakhs home loan:

  • Proof of Identity: Aadhaar Card, Election ID, Passport, Driving License, etc.
  • Proof of Address: Utility bills (Electricity/Water), Ration Card, Passport, etc.
  • Proof of Income: Salary slips, Bank statements, ITR, etc.
  • Proof of Property: Sale agreement, allotment letter, Property Tax Receipts, etc.

75 Lakh Tata Capital Home Loan – Eligibility Criteria 

Following are the 75 lakhs home loan eligibility criteria in Tata Capital:

  • Age Limit: Borrowers should be aged between 21 and 65 years old.
  • Employment Status: Borrowers should be salaried or self-employed individuals. 
  • Income Criteria: Borrowers should have earned income sufficient to pay the loan EMI. 
  • Credit Score: Borrowers should have a good credit score, preferably 700 or higher.
  • Nationality: Borrowers should be Indian citizens.

Frequently Asked Questions (FAQs)

What is the EMI for a 75 lakh home loan for 20 years in Tata Capital?

₹66,278 is the estimated EMI for a 75 lakh home loan over 20 years, subject to the annual interest rate of 8.75%.

Who is eligible for a 75 lakh home loan in Tata Capital?

Salaried and self-employed individuals are eligible for a 75 lakh home loan in Tata Capital.

What is the monthly interest rate of a 75 lakh home loan in Tata Capital?

The monthly interest rate for a ₹75 lakh home loan in Tata Capital starts at 0.73%.

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