Compare Federal Bank vs Tata Capital Home Finance Home Loan

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Bank	SBI HDFC Citibank Bank of Baroda ICICI Bank Axis Bank PNB Housing Finance LIC Housing Finance Bajaj Home Finance Sundaram Home Finance Kotak Bank Yes Bank Syndicate Bank IDFC First Bank United Bank of India Allahabad Bank Andhra Bank Bank of India Bank of Maharashtra Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Union Bank of India Federal Bank DBS Bank India Shelters LT Housing Finance Piramal Housing Finance Aavas Financiers Aadhar Housing Finance Karur Vysya Bank Indian Overseas Bank GIC Housing Finance Reliance Capital Standard Chartered Bank IIFL HSBC Bank RBL Bank Corporation Bank IDBI Bank Indian Bank Lakshmi Vilas Bank OBC PNB Indiabulls DCB Bank Dhan Laxmi Bank Karnataka Bank South Indian Bank Edelweiss Jammu And Kashmir Bank	SBI HDFC Citibank Bank of Baroda ICICI Bank Axis Bank PNB Housing Finance LIC Housing Finance Bajaj Home Finance Sundaram Home Finance Kotak Bank Yes Bank Syndicate Bank IDFC First Bank United Bank of India Allahabad Bank Andhra Bank Bank of India Bank of Maharashtra Canara Bank Central Bank of India Punjab and Sind Bank UCO Bank Union Bank of India Aadhar Housing Finance DBS Bank India Shelters Tata Capital Home Finance LT Housing Finance Piramal Housing Finance Aavas Financiers Indian Bank Karur Vysya Bank RBL Bank HSBC Bank Standard Chartered Bank Edelweiss GIC Housing Finance Reliance Capital IIFL Corporation Bank IDBI Bank Lakshmi Vilas Bank Indian Overseas Bank OBC PNB Indiabulls DCB Bank Dhan Laxmi Bank Karnataka Bank South Indian Bank Jammu And Kashmir Bank
Interest Rate	Interest Rate 7.65% - 7.75%	6.90% - 6.90%
Processing Fees	Processing Fees Upto 0.50% Min ₹ 3,000; Max ₹ 7,500	Upto 0.20% Min ₹ 500;
Maximum Loan Amount	Maximum Loan Amount ₹ 15 Cr	₹ 1 Cr
Maximum Tenure	Maximum Tenure 30 Years	30 Years
Lowest EMI Per Lakh	Lowest EMI Per Lakh ₹ 710	₹ 659
Benchmark Rate (Check Rates)	Benchmark Rate (Check Rates) RLLR	PLR
Minimum Age	Minimum Age 21 Years	24 Years
Maximum Age	Maximum Age 65 Years	65 Years
For Women	For Women N	N
Overdraft Facility	Overdraft Facility Y - Home Saver	N
Customer Ratings (Read Reviews)	Customer Ratings (Read Reviews) 3.5/5.0	3.5/5.0

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Compare Home Loan EMI of Federal Bank and Tata Capital Home Finance

Loan Amount	Federal Bank	Tata Capital Home Finance
₹ 10 Lakh	₹ 7,095	₹ 6,586
₹ 25 Lakh	₹ 17,738	₹ 16,465
₹ 30 Lakh	₹ 21,285	₹ 19,758
₹ 50 Lakh	₹ 35,476	₹ 32,930

Which is a better bank for Home Loan – Tata Capital Home Finance or Federal Bank?

Tata Capital Home Finance offers lower Home Loan EMI at ₹ 659 on a Home Loan for 30 Years as compared to Federal Bank with a minimum EMI of ₹ 710 for 30 Years. Average customer ratings for Tata Capital Home Finance is currently at 3.5/5.0 which makes it a good choice for taking a Home Loan.

How does Tata Capital Home Finance Home Loan compare with Federal Bank Home Loan?

It is important to do a detailed comparison of Tata Capital Home Finance and Federal Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

Lowest Interest rate of Tata Capital Home Finance Home Loan is 6.90%, which is lower than the lowest interest rate of Federal Bank at 7.65% and hence, Tata Capital Home Finance is offering a cheaper loan option.
When compared on other Home Loan charges such as processing fees, Tata Capital Home Finance charges a lower processing fees of 0.20% of the loan amount vs Federal Bank with a processing fees of 0.50% of loan amount.
Federal Bank is a with its Home Loan rates benchmarked to RLLR. Tata Capital Home Finance is a with its home loan rates benchmarked to PLR.
Federal Bank with an average customer ratings of 3.5 is equally comparable to Tata Capital Home Finance with an average customer rating of 3.5, and hence, the customer can expect the same kind of service levels from these banks.
One unique feature of Federal Bank is its overdraft facility which allows borrowers to minimize their interest outgo by paying interest only on the loan amount utilized. This scheme makes it an apt choice for self-employed and businessmen with fluctuating fund requirements.

Which bank offers a lower interest rate on Home Loan – Tata Capital Home Finance or Federal Bank?

As per the current rates, Tata Capital Home Finance offers a lower interest rate of 6.90% on Home Loan when compared to Federal Bank which offers a Home Loan at 7.65%.

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Home Loan News - Sep 2021

2021-09-27 : PNB Housing Finance Revises Home Loan Rates
PNB Housing Finance has revised home loan rates for borrowers. A borrower can get an interest rate of 7.20% with a credit score above 800. A self employed can get loan at 7.40%, there is no change in rates of Unnati Home Loans.
2021-09-24 : ICICI Bank Revises Home Loan Interest Rate
ICICI Bank has cut home loan interest to 6.70%. The lowest rate for salaried is 6.70% and self-employed is 6.80%. If a borrower has a low credit score then they will have to pay 7.40% of the principal amount.
2021-09-24 : LIC Housing Finance Announces New Home Loan Rates
LIC Housing Finance has slashed the home loan rate to 6.66% for loans up to Rs 2 crore. These rates will be offered to the borrowers who have a credit score above 700 and it is valid till November 30, 2021.
2021-09-21 : HDFC Bank Introduce Festival Bonanza Offer
HDFC Bank has come up with a festival bonanza offer which is valid till October 31, 2021. The lender has cut home loan interest rate to 6.70%, the special rate is linked to borrowers credit score.
2021-09-20 : PNB Introduces Festival Bonanza Offer
Punjab National Bank (PNB) has introduced a festival bonanza offer under which they reduced home loan interest to 6.80%. Also, the lender has waived off processing fees and documentation charges on all retail loans like home loans, personal loans, car loans, gold loans, property loans. These charges are valid till December 31, 2021.

*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More

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