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Compare Home Loan - Reliance Capital vs Tata Capital Home Finance

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Bank
Parameters
Interest Rate
Interest Rate
9.75% - 11.00%
6.90% - 6.90%
Processing Fees
Processing Fees
Upto 0.50%
Upto 0.20%
Min ₹ 500;
Maximum Loan Amount
Maximum Loan Amount
₹ 100 Cr
₹ 1 Cr
Maximum Tenure
Maximum Tenure
20 Years
30 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 949
₹ 659
Benchmark Rate (Check Rates)
Benchmark Rate (Check Rates)
PLR
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
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
4/5.0
4/5.0
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Compare EMI of Reliance Capital and Tata Capital Home Finance Home Loan

Loan Amount Reliance Capital Tata Capital Home Finance
₹ 10 Lakh ₹ 9,485 ₹ 6,586
₹ 25 Lakh ₹ 23,713 ₹ 16,465
₹ 30 Lakh ₹ 28,456 ₹ 19,758
₹ 50 Lakh ₹ 47,426 ₹ 32,930

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

Tata Capital Home Finance offers lower Home Loan EMI at ₹ 659 on a Home Loan for 30 Years as compared to Reliance Capital with a minimum EMI of ₹ 949 for 20 Years. Average customer ratings for Tata Capital Home Finance is currently at 4/5.0 which makes it a good choice for taking a Home Loan.

How does Tata Capital Home Finance Home Loan compare with Reliance Capital Home Loan?

It is important to do a detailed comparison of Tata Capital Home Finance and Home Loan on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own 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 Reliance Capital at 9.75% 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 Reliance Capital with a processing fees of 0.50% of loan amount.
  • Reliance Capital is a HFC with its Home Loan rates benchmarked to PLR. Tata Capital Home Finance is a HFC with its home loan rates benchmarked to PLR. Hence, both banks are benchmarked to same rate which make them a comparable option to choose from.
  • Reliance Capital with an average customer ratings of 4 is equally comparable to Tata Capital Home Finance with an average customer rating of 4, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers lower interest rate on Home Loan – Tata Capital Home Finance or Reliance Capital?

As per the current rates, Tata Capital Home Finance offers a lower interest rate of 6.90% on Home Loan when compared to Reliance Capital which offers a Home Loan at 9.75%.

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Home Loan News - Aug 2021
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    The Indian Bank, which has merged with the Allahabad Bank, carried out a software migration over the weekend. As the merger got completed, new rules had been issued by the bank with regard to its services. Existing customers were asked on July 1 to get a new IFSC code to carry out online transactions smoothly.
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