{"id":19721,"date":"2026-02-24T12:35:42","date_gmt":"2026-02-24T07:05:42","guid":{"rendered":"https:\/\/bigproperty.in\/blog\/?p=19721"},"modified":"2026-02-24T13:50:53","modified_gmt":"2026-02-24T08:20:53","slug":"bajaj-vs-tata-capital-home-loan-review","status":"publish","type":"post","link":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/","title":{"rendered":"Bajaj Finserv vs. Tata Capital: Best Housing Finance for Self-Employed (2026 Review)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Why_Choose_an_NBFC_Over_a_Bank\" >Why Choose an NBFC Over a Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Contender_1_Bajaj_Housing_Finance\" >Contender 1: Bajaj Housing Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Contender_2_Tata_Capital\" >Contender 2: Tata Capital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Head-to-Head_Comparison_Bajaj_vs_Tata_2026\" >Head-to-Head Comparison: Bajaj vs. Tata (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#The_%E2%80%9CCash_Income%E2%80%9D_Solution_Surrogate_Programs\" >The &#8220;Cash Income&#8221; Solution (Surrogate Programs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Hidden_Charges_You_Must_Know\" >Hidden Charges You Must Know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Final_Verdict_Which_One_Should_You_Choose\" >Final Verdict: Which One Should You Choose?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#FAQs\" >FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>If you are a salaried employee with a monthly payslip, getting a home loan is easy. You walk into SBI or HDFC, and they roll out the red carpet.<\/p>\n\n\n\n<p>But if you are <strong>Self-Employed<\/strong>\u2014a shop owner, a freelancer, a contractor, or a doctor with cash income\u2014major banks treat you like a &#8220;high-risk&#8221; customer. They ask for 3 years of ITR, audited balance sheets, and profit margins that most small businesses don&#8217;t show on paper.<\/p>\n\n\n\n<p>This is where <strong>NBFCs (Non-Banking Financial Companies)<\/strong> like <strong>Bajaj Housing Finance<\/strong> and <strong>Tata Capital<\/strong> come in.<\/p>\n\n\n\n<p>These two giants are famous for funding &#8220;Business Profiles&#8221; that banks reject. But which one is better for you in 2026?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bajaj<\/strong> is known for speed (approval in 48 hours).<\/li>\n\n\n\n<li><strong>Tata<\/strong> is known for trust and slightly better rates.<\/li>\n<\/ul>\n\n\n\n<p>In this detailed comparison, we analyze their interest rates, hidden fees, and eligibility rules to help you decide.<\/p>\n\n\n\n<p><strong>Must Read:<\/strong> <strong><a href=\"https:\/\/bigproperty.in\/blog\/plot-loan-in-telangana\/\">Complete Guide to Plot Loans in Hyderabad: Interest Rates &amp; Banks List (2026)<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Choose_an_NBFC_Over_a_Bank\"><\/span><strong>Why Choose an NBFC Over a Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before we compare Bajaj and Tata, you need to understand <em>why<\/em> you should apply to them instead of SBI.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Easy Eligibility:<\/strong> Banks look at &#8220;Net Profit&#8221; (which you might suppress to save tax). NBFCs look at &#8220;Gross Turnover&#8221; or &#8220;Bank Balance.&#8221;<\/li>\n\n\n\n<li><strong>Higher Loan Amount:<\/strong> If SBI gives you \u20b950 Lakhs, Bajaj might give you \u20b970 Lakhs for the same profile because they calculate eligibility differently.<\/li>\n\n\n\n<li><strong>Speed:<\/strong> NBFCs are built for speed. While a bank takes 3 weeks, NBFCs can disburse in 4-5 days.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Must Read:<\/strong> <strong><a href=\"https:\/\/bigproperty.in\/blog\/home-loan-from-a-bank-vs-housing-finance-company-which-is-best-option\/\">Home loan From a Bank vs Housing Finance Company: Which is Best Option?<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contender_1_Bajaj_Housing_Finance\"><\/span><strong>Contender 1: <a href=\"https:\/\/myaccount.bajajhousingfinance.in\/#\/home\">Bajaj Housing Finance<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"478\" src=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-1024x478.png\" alt=\"\" class=\"wp-image-19722\" srcset=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-1024x478.png 1024w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-300x140.png 300w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-768x359.png 768w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-899x420.png 899w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-150x70.png 150w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-696x325.png 696w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance-1068x499.png 1068w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/bajaj-housing-finance.png 1366w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Bajaj is the &#8220;Speed King&#8221; of the Indian lending market. If you need to close a property deal in 3 days, Bajaj is your best bet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Pros (Why Choose Bajaj?)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>48-Hour Approval:<\/strong> Their digital sanction process is incredibly fast. If your CIBIL is 750+, you can get a sanction letter online instantly.<\/li>\n\n\n\n<li><strong>Loans for Low CIBIL:<\/strong> Bajaj is slightly more lenient. They may fund a score of <strong>700-720<\/strong> if your business turnover is healthy.<\/li>\n\n\n\n<li><strong>Top-Up Loans:<\/strong> Bajaj is generous with &#8220;Top-Up Loans.&#8221; If you take a home loan, they often offer a &#8220;Personal Loan&#8221; on top of it for interiors or furnishing without extra paperwork.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Cons (The Catch)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher Processing Fee:<\/strong> They usually charge <strong>1.0% to 1.5%<\/strong> of the loan amount + GST. This is significantly higher than SBI\u2019s flat \u20b95,000 fee.<\/li>\n\n\n\n<li><strong>Aggressive Follow-up:<\/strong> If you miss a single EMI, their collection team is very strict.<\/li>\n<\/ul>\n\n\n\n<p>Must Read: <strong><a href=\"https:\/\/bigproperty.in\/blog\/sbi-vs-hdfc-plot-loan-comparison\/\">SBI vs. HDFC Plot Loan: Which is Best for Open Plots in Telangana?<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Contender_2_Tata_Capital\"><\/span><strong>Contender 2: Tata Capital<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.tatacapital.com\/online\/loans\/home-loans\/apply-now-home-loan\"><img decoding=\"async\" width=\"1024\" height=\"491\" src=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-1024x491.png\" alt=\"\" class=\"wp-image-19723\" srcset=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-1024x491.png 1024w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-300x144.png 300w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-768x368.png 768w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-877x420.png 877w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-150x72.png 150w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-696x333.png 696w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital-1068x512.png 1068w, https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/tata-capital.png 1365w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Tata Capital carries the &#8220;Tata Trust.&#8221; They operate more like a bank than a typical NBFC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Pros (Why Choose Tata?)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Better Interest Rates:<\/strong> Tata Capital often offers rates that are <strong>0.25% &#8211; 0.50% lower<\/strong> than Bajaj, bringing them closer to bank rates.<\/li>\n\n\n\n<li><strong>Transparency:<\/strong> Like the Tata brand, their fee structure is transparent. There are rarely any &#8220;hidden insurance&#8221; costs forced upon you.<\/li>\n\n\n\n<li><strong>PMAY Benefits:<\/strong> They are very active in processing PMAY (Pradhan Mantri Awas Yojana) subsidies for eligible first-time buyers.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Cons (The Catch)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stricter Income Proof:<\/strong> Unlike Bajaj, Tata Capital prefers borrowers who have filed ITR for at least 2 years. They are less likely to fund &#8220;Cash Income&#8221; profiles compared to other NBFCs.<\/li>\n\n\n\n<li><strong>Slower than Bajaj:<\/strong> Their verification process is thorough, so it might take 7-10 days for disbursement.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Head-to-Head_Comparison_Bajaj_vs_Tata_2026\"><\/span><strong>Head-to-Head Comparison: Bajaj vs. Tata (2026)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here is the quick snapshot for busy business owners.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Feature<\/strong><\/td><td><strong>Bajaj Housing Finance<\/strong><\/td><td><strong>Tata Capital Housing Finance<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Best For<\/strong><\/td><td><strong>Speed &amp; High Loan Amount<\/strong><\/td><td><strong>Trust &amp; Lower Interest Rates<\/strong><\/td><\/tr><tr><td><strong>Interest Rate<\/strong><\/td><td>8.85% &#8211; 10.50%<\/td><td><strong>8.75% &#8211; 9.75%<\/strong><\/td><\/tr><tr><td><strong>Processing Fee<\/strong><\/td><td>High (Up to 1.5%)<\/td><td>Moderate (Up to 1.0%)<\/td><\/tr><tr><td><strong>Approval Time<\/strong><\/td><td><strong>48 Hours<\/strong> (Digital Sanction)<\/td><td>5 &#8211; 7 Days<\/td><\/tr><tr><td><strong>CIBIL Requirement<\/strong><\/td><td>Lenient (700+ OK)<\/td><td>Strict (725+ Preferred)<\/td><\/tr><tr><td><strong>Foreclosure Charges<\/strong><\/td><td><strong>Zero<\/strong> (For Floating Rate)<\/td><td><strong>Zero<\/strong> (For Floating Rate)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_%E2%80%9CCash_Income%E2%80%9D_Solution_Surrogate_Programs\"><\/span><strong>The &#8220;Cash Income&#8221; Solution (Surrogate Programs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>What if you don&#8217;t have ITRs?<\/p>\n\n\n\n<p>Both Bajaj and Tata have special programs called <strong>&#8220;Surrogate Income Programs&#8221;<\/strong> where they calculate your eligibility based on <em>indirect<\/em> proof of income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Banking Surrogate (Average Bank Balance)<\/strong><\/h3>\n\n\n\n<p>Instead of looking at your profit, they look at your <strong>Average Monthly Balance (AMB)<\/strong> for the last 12 months.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works:<\/strong> If you maintain an average balance of \u20b91 Lakh in your savings account, they assume you can pay an EMI of \u20b940,000.<\/li>\n\n\n\n<li><strong>Winner:<\/strong> <strong>Bajaj Housing Finance<\/strong> is more aggressive with this program.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. GST Surrogate (Turnover Based)<\/strong><\/h3>\n\n\n\n<p>If you are a trader with high turnover but low net profit (to save tax), this is for you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How it works:<\/strong> They calculate your eligibility based on your <strong>Gross GST Turnover<\/strong>.<\/li>\n\n\n\n<li><strong>Winner:<\/strong> <strong>Tata Capital<\/strong> prefers this method for SME owners.<\/li>\n<\/ul>\n\n\n\n<p><strong>Must Read:<\/strong> <strong><a href=\"https:\/\/bigproperty.in\/blog\/securing-loans-for-unregistered-properties-what-we-can-do\/\">Securing Loans for Unregistered Properties: What We Can Do?<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hidden_Charges_You_Must_Know\"><\/span><strong>Hidden Charges You Must Know<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NBFCs are famous for adding &#8220;extra costs.&#8221; Be careful of these two:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Insurance Bundling:<\/strong> When they sanction your loan, the agent might say, <em>&#8220;Sir, you must take this \u20b950,000 property insurance, otherwise loan won&#8217;t disburse.&#8221;<\/em>\n<ul class=\"wp-block-list\">\n<li><strong>Fact:<\/strong> Insurance is optional. You can buy a cheaper policy from outside for \u20b95,000. <strong>Tata Capital<\/strong> is generally more ethical about this than Bajaj.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>IMD (Initial Money Deposit):<\/strong> They might ask for a non-refundable login fee of \u20b95,000 just to process the file.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Verdict_Which_One_Should_You_Choose\"><\/span><strong>Final Verdict: Which One Should You Choose?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Choose Bajaj Housing Finance If:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You need the money <strong>Urgent<\/strong> (within 3-4 days).<\/li>\n\n\n\n<li>Your CIBIL score is slightly low (700-720).<\/li>\n\n\n\n<li>You want a <strong>Top-Up Loan<\/strong> immediately for interiors.<\/li>\n\n\n\n<li>You rely on &#8220;Banking Surrogate&#8221; (Cash flow in bank, but low ITR).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Choose Tata Capital If:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You want the <strong>Lowest Interest Rate<\/strong> possible for a self-employed profile.<\/li>\n\n\n\n<li>You have filed ITRs properly for 2 years.<\/li>\n\n\n\n<li>You want a &#8220;No Nonsense&#8221; ethical lender with fewer hidden calls.<\/li>\n<\/ul>\n\n\n\n<p><strong>Also Read:<\/strong> <strong><a href=\"https:\/\/bigproperty.in\/blog\/the-7-steps-to-get-a-housing-loan\/\">The 7 Steps to Get a Housing Loan<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1771915560526\"><strong class=\"schema-faq-question\"><strong>1. Which is better for a low CIBIL score: Bajaj or Tata Capital?<\/strong><\/strong> <p class=\"schema-faq-answer\"><strong>Bajaj Housing Finance<\/strong> is generally more lenient. They may fund a CIBIL score of <strong>700-720<\/strong> if your bank balance is healthy. <strong>Tata Capital<\/strong> is stricter and usually prefers a score of <strong>725+<\/strong> for the best interest rates. If your score is below 700, both might reject you or charge a very high interest rate (10.50%+).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771915592322\"><strong class=\"schema-faq-question\"><strong>2. Can I get a home loan if I don&#8217;t have ITR for the last 3 years?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Both Bajaj and Tata offer <strong>&#8220;Surrogate Income Programs.&#8221;<\/strong> Instead of asking for ITR (profit proof), they check your <strong>Gross GST Turnover<\/strong> or your <strong>Average Monthly Bank Balance<\/strong>. If you maintain a good balance, they will calculate your loan eligibility based on that &#8220;Cash Flow&#8221; rather than your &#8220;Net Profit.&#8221;<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771915615654\"><strong class=\"schema-faq-question\"><strong>3. What is the processing fee for Bajaj vs. Tata Capital?<\/strong><\/strong> <p class=\"schema-faq-answer\">NBFCs charge higher fees than banks.<br><strong>Bajaj Housing Finance:<\/strong> Usually charges <strong>1.0% to 1.5%<\/strong> of the loan amount + GST.<br><strong>Tata Capital:<\/strong> Usually charges <strong>0.50% to 1.0%<\/strong> + GST. <em>Note: You can always negotiate this fee during the final sanction stage.<\/em><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771915644877\"><strong class=\"schema-faq-question\"><strong>4. Is there a foreclosure penalty if I close the loan early?<\/strong><\/strong> <p class=\"schema-faq-answer\">For <strong>Individual Borrowers<\/strong> on a <strong>Floating Interest Rate<\/strong>, there are <strong>ZERO foreclosure charges<\/strong> as per RBI rules. However, if you take the loan in the name of a <strong>Company\/Firm<\/strong> (Non-Individual) or on a <strong>Fixed Rate<\/strong>, both Bajaj and Tata may charge a penalty of <strong>2% to 4%<\/strong> on the outstanding principal.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1771915668090\"><strong class=\"schema-faq-question\"><strong>5. Which lender gives the loan sanction faster?<\/strong><\/strong> <p class=\"schema-faq-answer\"><strong>Bajaj Housing Finance<\/strong> is the clear winner for speed. They have a digital sanction process that can approve your loan in <strong>48 hours<\/strong> if your documents are digital. Tata Capital follows a more traditional verification process, which typically takes <strong>5 to 7 days<\/strong>.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For self-employed individuals in 2026, <strong>Tata Capital<\/strong> is the better long-term partner due to lower rates, while <strong>Bajaj Housing Finance<\/strong> is the best &#8220;Emergency Fund&#8221; provider due to its lightning-fast speed.<\/p>\n\n\n\n<p><strong>Are you applying for a loan this month? Which lender gave you the best offer? Let us know in the comments!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are a salaried employee with a monthly payslip, getting a home loan is easy. You walk into SBI or HDFC, and they roll out the red carpet. But if you are Self-Employed\u2014a shop owner, a freelancer, a contractor, or a doctor with cash income\u2014major banks treat you like a &#8220;high-risk&#8221; customer. They ask [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7994,7995,11683],"tags":[11740,11743,11744,11742,11745,11741],"class_list":{"0":"post-19721","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance-legal","8":"category-home-loan","9":"category-plot-loan","10":"tag-bajaj-housing-finance-review","11":"tag-bajaj-vs-tata-capital-comparison","12":"tag-home-loan-for-self-employed","13":"tag-loan-for-low-itr","14":"tag-nbfc-home-loan-india","15":"tag-tata-capital-home-loan-interest-rate-2026"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed<\/title>\n<meta name=\"description\" content=\"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed\" \/>\n<meta property=\"og:description\" content=\"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/\" \/>\n<meta property=\"og:site_name\" content=\"indias Real estate latest News Updates\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bigpropertyofficial\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-24T07:05:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T08:20:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"483\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"satyasri\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/\"},\"author\":{\"name\":\"satyasri\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#\\\/schema\\\/person\\\/053c61b92d6df33b2c81078e0921bfa6\"},\"headline\":\"Bajaj Finserv vs. Tata Capital: Best Housing Finance for Self-Employed (2026 Review)\",\"datePublished\":\"2026-02-24T07:05:42+00:00\",\"dateModified\":\"2026-02-24T08:20:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/\"},\"wordCount\":1290,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png\",\"keywords\":[\"Bajaj housing finance review\",\"Bajaj vs Tata capital comparison\",\"home loan for self employed\",\"loan for low ITR\",\"NBFC home loan India\",\"Tata capital home loan interest rate 2026\"],\"articleSection\":[\"FINANCE &amp; LEGAL\",\"Home Loan\",\"Plot Loan\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/\",\"name\":\"Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png\",\"datePublished\":\"2026-02-24T07:05:42+00:00\",\"dateModified\":\"2026-02-24T08:20:53+00:00\",\"description\":\"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915560526\"},{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915592322\"},{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915615654\"},{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915644877\"},{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915668090\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#primaryimage\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png\",\"contentUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png\",\"width\":930,\"height\":483,\"caption\":\"Bajaj Finance vs Tata Capital Home Loan\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bajaj Finserv vs. Tata Capital: Best Housing Finance for Self-Employed (2026 Review)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/\",\"name\":\"India's Real Estate Property Site Buy Sell rent properties portal\",\"description\":\"real estate news updates property portal\",\"publisher\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#organization\",\"name\":\"BIG PROPERTY\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png\",\"contentUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png\",\"width\":138,\"height\":50,\"caption\":\"BIG PROPERTY\"},\"image\":{\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/bigpropertyofficial\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/#\\\/schema\\\/person\\\/053c61b92d6df33b2c81078e0921bfa6\",\"name\":\"satyasri\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/litespeed\\\/avatar\\\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003\",\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/litespeed\\\/avatar\\\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003\",\"contentUrl\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/wp-content\\\/litespeed\\\/avatar\\\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003\",\"caption\":\"satyasri\"},\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/author\\\/satyasri\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915560526\",\"position\":1,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915560526\",\"name\":\"1. Which is better for a low CIBIL score: Bajaj or Tata Capital?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<strong>Bajaj Housing Finance<\\\/strong> is generally more lenient. They may fund a CIBIL score of <strong>700-720<\\\/strong> if your bank balance is healthy. <strong>Tata Capital<\\\/strong> is stricter and usually prefers a score of <strong>725+<\\\/strong> for the best interest rates. If your score is below 700, both might reject you or charge a very high interest rate (10.50%+).\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915592322\",\"position\":2,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915592322\",\"name\":\"2. Can I get a home loan if I don't have ITR for the last 3 years?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Both Bajaj and Tata offer <strong>\\\"Surrogate Income Programs.\\\"<\\\/strong> Instead of asking for ITR (profit proof), they check your <strong>Gross GST Turnover<\\\/strong> or your <strong>Average Monthly Bank Balance<\\\/strong>. If you maintain a good balance, they will calculate your loan eligibility based on that \\\"Cash Flow\\\" rather than your \\\"Net Profit.\\\"\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915615654\",\"position\":3,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915615654\",\"name\":\"3. What is the processing fee for Bajaj vs. Tata Capital?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"NBFCs charge higher fees than banks.<br><strong>Bajaj Housing Finance:<\\\/strong> Usually charges <strong>1.0% to 1.5%<\\\/strong> of the loan amount + GST.<br><strong>Tata Capital:<\\\/strong> Usually charges <strong>0.50% to 1.0%<\\\/strong> + GST. <em>Note: You can always negotiate this fee during the final sanction stage.<\\\/em>\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915644877\",\"position\":4,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915644877\",\"name\":\"4. Is there a foreclosure penalty if I close the loan early?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For <strong>Individual Borrowers<\\\/strong> on a <strong>Floating Interest Rate<\\\/strong>, there are <strong>ZERO foreclosure charges<\\\/strong> as per RBI rules. However, if you take the loan in the name of a <strong>Company\\\/Firm<\\\/strong> (Non-Individual) or on a <strong>Fixed Rate<\\\/strong>, both Bajaj and Tata may charge a penalty of <strong>2% to 4%<\\\/strong> on the outstanding principal.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915668090\",\"position\":5,\"url\":\"https:\\\/\\\/bigproperty.in\\\/blog\\\/bajaj-vs-tata-capital-home-loan-review\\\/#faq-question-1771915668090\",\"name\":\"5. Which lender gives the loan sanction faster?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<strong>Bajaj Housing Finance<\\\/strong> is the clear winner for speed. They have a digital sanction process that can approve your loan in <strong>48 hours<\\\/strong> if your documents are digital. Tata Capital follows a more traditional verification process, which typically takes <strong>5 to 7 days<\\\/strong>.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed","description":"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/","og_locale":"en_US","og_type":"article","og_title":"Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed","og_description":"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.","og_url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/","og_site_name":"indias Real estate latest News Updates","article_publisher":"https:\/\/www.facebook.com\/bigpropertyofficial\/","article_published_time":"2026-02-24T07:05:42+00:00","article_modified_time":"2026-02-24T08:20:53+00:00","og_image":[{"width":930,"height":483,"url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png","type":"image\/png"}],"author":"satyasri","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#article","isPartOf":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/"},"author":{"name":"satyasri","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/person\/053c61b92d6df33b2c81078e0921bfa6"},"headline":"Bajaj Finserv vs. Tata Capital: Best Housing Finance for Self-Employed (2026 Review)","datePublished":"2026-02-24T07:05:42+00:00","dateModified":"2026-02-24T08:20:53+00:00","mainEntityOfPage":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/"},"wordCount":1290,"commentCount":0,"publisher":{"@id":"https:\/\/bigproperty.in\/blog\/#organization"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#primaryimage"},"thumbnailUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png","keywords":["Bajaj housing finance review","Bajaj vs Tata capital comparison","home loan for self employed","loan for low ITR","NBFC home loan India","Tata capital home loan interest rate 2026"],"articleSection":["FINANCE &amp; LEGAL","Home Loan","Plot Loan"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#respond"]}]},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/","url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/","name":"Bajaj Finserv vs Tata Capital: Best Home Loan for Self-Employed","isPartOf":{"@id":"https:\/\/bigproperty.in\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#primaryimage"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#primaryimage"},"thumbnailUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png","datePublished":"2026-02-24T07:05:42+00:00","dateModified":"2026-02-24T08:20:53+00:00","description":"Self-employed? Compare Bajaj Housing Finance vs Tata Capital home loan interest rates (2026). Check eligibility for cash income and low CIBIL score.","breadcrumb":{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915560526"},{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915592322"},{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915615654"},{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915644877"},{"@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915668090"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#primaryimage","url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2026\/02\/Bajaj-Finance-vs-Tata-Capital-Home-Loan.png","width":930,"height":483,"caption":"Bajaj Finance vs Tata Capital Home Loan"},{"@type":"BreadcrumbList","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bigproperty.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Bajaj Finserv vs. Tata Capital: Best Housing Finance for Self-Employed (2026 Review)"}]},{"@type":"WebSite","@id":"https:\/\/bigproperty.in\/blog\/#website","url":"https:\/\/bigproperty.in\/blog\/","name":"India's Real Estate Property Site Buy Sell rent properties portal","description":"real estate news updates property portal","publisher":{"@id":"https:\/\/bigproperty.in\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bigproperty.in\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/bigproperty.in\/blog\/#organization","name":"BIG PROPERTY","url":"https:\/\/bigproperty.in\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2020\/10\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/uploads\/2020\/10\/BIG-PROPERTY-designed-by-sbvrgroups.in-fotter.png","width":138,"height":50,"caption":"BIG PROPERTY"},"image":{"@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/bigpropertyofficial\/"]},{"@type":"Person","@id":"https:\/\/bigproperty.in\/blog\/#\/schema\/person\/053c61b92d6df33b2c81078e0921bfa6","name":"satyasri","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","url":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","contentUrl":"https:\/\/bigproperty.in\/blog\/wp-content\/litespeed\/avatar\/8007be557662c4e0763a7f483e7a307e.jpg?ver=1775279003","caption":"satyasri"},"url":"https:\/\/bigproperty.in\/blog\/author\/satyasri\/"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915560526","position":1,"url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915560526","name":"1. Which is better for a low CIBIL score: Bajaj or Tata Capital?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<strong>Bajaj Housing Finance<\/strong> is generally more lenient. They may fund a CIBIL score of <strong>700-720<\/strong> if your bank balance is healthy. <strong>Tata Capital<\/strong> is stricter and usually prefers a score of <strong>725+<\/strong> for the best interest rates. If your score is below 700, both might reject you or charge a very high interest rate (10.50%+).","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915592322","position":2,"url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915592322","name":"2. Can I get a home loan if I don't have ITR for the last 3 years?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Both Bajaj and Tata offer <strong>\"Surrogate Income Programs.\"<\/strong> Instead of asking for ITR (profit proof), they check your <strong>Gross GST Turnover<\/strong> or your <strong>Average Monthly Bank Balance<\/strong>. If you maintain a good balance, they will calculate your loan eligibility based on that \"Cash Flow\" rather than your \"Net Profit.\"","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915615654","position":3,"url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915615654","name":"3. What is the processing fee for Bajaj vs. Tata Capital?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"NBFCs charge higher fees than banks.<br><strong>Bajaj Housing Finance:<\/strong> Usually charges <strong>1.0% to 1.5%<\/strong> of the loan amount + GST.<br><strong>Tata Capital:<\/strong> Usually charges <strong>0.50% to 1.0%<\/strong> + GST. <em>Note: You can always negotiate this fee during the final sanction stage.<\/em>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915644877","position":4,"url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915644877","name":"4. Is there a foreclosure penalty if I close the loan early?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"For <strong>Individual Borrowers<\/strong> on a <strong>Floating Interest Rate<\/strong>, there are <strong>ZERO foreclosure charges<\/strong> as per RBI rules. However, if you take the loan in the name of a <strong>Company\/Firm<\/strong> (Non-Individual) or on a <strong>Fixed Rate<\/strong>, both Bajaj and Tata may charge a penalty of <strong>2% to 4%<\/strong> on the outstanding principal.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915668090","position":5,"url":"https:\/\/bigproperty.in\/blog\/bajaj-vs-tata-capital-home-loan-review\/#faq-question-1771915668090","name":"5. Which lender gives the loan sanction faster?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<strong>Bajaj Housing Finance<\/strong> is the clear winner for speed. They have a digital sanction process that can approve your loan in <strong>48 hours<\/strong> if your documents are digital. Tata Capital follows a more traditional verification process, which typically takes <strong>5 to 7 days<\/strong>.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/comments?post=19721"}],"version-history":[{"count":2,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19721\/revisions"}],"predecessor-version":[{"id":19727,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/posts\/19721\/revisions\/19727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/media\/19724"}],"wp:attachment":[{"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/media?parent=19721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/categories?post=19721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bigproperty.in\/blog\/wp-json\/wp\/v2\/tags?post=19721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}