Loan Against Property
Life has a way of catching us off guard, and it is during these times that we may need to get access to funds. A loan against property allows you to exploit the value of your property for your own personal and financial commitments. You can use the money you borrow for a plethora of reasons such as expanding your business, educational purposes, medical bills, consolidating your debts, etc.
● Obtain a greater loan amount as compared to many other unsecured loans
● Choose a longer period to pay the amount
● Have the liberty to use the funds for different purposes
The Loan Against Property is helping you by allowing you to use your property as collateral. The fact that the money is secured means that even larger amounts of money will be available to you, and the repayment period is longer than in the case of some unsecured options.
Major Characteristics
● Increased Financial Support: This results in getting a larger financial sum through the property you own.
● Longer Time to Repay: Choose a loan tenure that will best suit your repayment abilities.
● Many Ways to Spend the Funds: The cash can serve any of your personal or business needs.
● Secured Loan: Your property serves as collateral.
● Possibility for Financial Planning: You can use the money for managing large expenses that need a bigger amount of money.
Eligibility Overview
The eligibility terms may vary from one lender to another. In general terms, it can be said that a borrower needs to have the following conditions met:
● Possession of the title in the property used as collateral
● Regular sufficient income needed for repayment
● Property located in a lender's operating zone
● No negative credit history
● All papers for the property must be presented as proof to the lender.
The final eligibility and loan conditions will be determined after assessing the borrower's profile and property.
Required Documentation
● PAN card
● Proof of residence
● Proof of ownership of the property being used as collateral
● Proof of income
● Last bank statements for six months
● Other financial documents if necessary
Working of this concept can be broken down into five different steps:
1. Check the Eligibility: Provide your personal information and see loan options that might be available for you.
2. Compare Lenders: Evaluate the loan packages, interest rates, repayment periods and costs.
3. Apply Online: Fill out the application and provide all details online.
4. Valuation and Verification: The lender checks the documents to prove the ownership of property and its value among other things.
5. Get the Approval: After the documents are verified and the loan is approved, the lender transfers money to the borrower’s account.
Why FynnEdge ?
You can contact a bank directly. Why should you go for a loan against property with our help?
1. One Profile – Many Lenders: You need to give your data only once and find out about possible loans available from different lenders.
2. Simple Eligibility: Learn about eligibility requirements. Find out which loans suit you best.
3. Online Application Process: Learn about your eligibility, compare options and submit your application online.
4. Free EMI & Credit Tools: Use financial tools to estimate your EMI and understand your credit position before making a borrowing decision.
5. Guidance Throughout the Process: Get help understanding loan options, lender requirements, repayment terms and other important details.
6. No Service Charges: Comparing and applying through FynnEdge is free. Any charges levied by the lender are communicated by the lender.
Key features
- Higher loan amounts than unsecured loans
- Longer repayment tenure
- Use funds for any purpose
Eligibility at a glance
A general guide — the exact criteria vary by lender and are checked precisely when you apply.
- — Clear ownership of the property being pledged
- — Regular income to support repayment
- — Property must be in a lender-serviceable location
Documents you'll need
How it works
- 1 Check eligibility
- 2 Compare lenders
- 3 Apply online
- 4 Property valuation & verification
- 5 Get sanctioned
Loan Against Property EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹7,50,00,000
Lenders' published rates for Loan Against Property: 8.00%–22.08% p.a..
Maximum tenure: 15 years (180 months)
Monthly EMI
₹36,398
Total interest
₹13,67,793
Total payment
₹43,67,793
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 68.7%
- Interest 31.3%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Nov 2026 – Oct 2027 Principal paid₹2,04,157 Interest paid₹2,32,622 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2026 | ₹16,398 | ₹20,000 | ₹36,398 | ₹29,83,602 |
| Dec 2026 | ₹16,508 | ₹19,891 | ₹36,398 | ₹29,67,094 |
| Jan 2027 | ₹16,618 | ₹19,781 | ₹36,398 | ₹29,50,476 |
| Feb 2027 | ₹16,728 | ₹19,670 | ₹36,398 | ₹29,33,748 |
| Mar 2027 | ₹16,840 | ₹19,558 | ₹36,398 | ₹29,16,908 |
| Apr 2027 | ₹16,952 | ₹19,446 | ₹36,398 | ₹28,99,956 |
| May 2027 | ₹17,065 | ₹19,333 | ₹36,398 | ₹28,82,891 |
| Jun 2027 | ₹17,179 | ₹19,219 | ₹36,398 | ₹28,65,712 |
| Jul 2027 | ₹17,294 | ₹19,105 | ₹36,398 | ₹28,48,418 |
| Aug 2027 | ₹17,409 | ₹18,989 | ₹36,398 | ₹28,31,009 |
| Sep 2027 | ₹17,525 | ₹18,873 | ₹36,398 | ₹28,13,484 |
| Oct 2027 | ₹17,642 | ₹18,757 | ₹36,398 | ₹27,95,843 |
Nov 2027 – Oct 2028 Principal paid₹2,21,102 Interest paid₹2,15,677 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2027 | ₹17,759 | ₹18,639 | ₹36,398 | ₹27,78,083 |
| Dec 2027 | ₹17,878 | ₹18,521 | ₹36,398 | ₹27,60,206 |
| Jan 2028 | ₹17,997 | ₹18,401 | ₹36,398 | ₹27,42,209 |
| Feb 2028 | ₹18,117 | ₹18,281 | ₹36,398 | ₹27,24,092 |
| Mar 2028 | ₹18,238 | ₹18,161 | ₹36,398 | ₹27,05,854 |
| Apr 2028 | ₹18,359 | ₹18,039 | ₹36,398 | ₹26,87,495 |
| May 2028 | ₹18,482 | ₹17,917 | ₹36,398 | ₹26,69,013 |
| Jun 2028 | ₹18,605 | ₹17,793 | ₹36,398 | ₹26,50,408 |
| Jul 2028 | ₹18,729 | ₹17,669 | ₹36,398 | ₹26,31,679 |
| Aug 2028 | ₹18,854 | ₹17,545 | ₹36,398 | ₹26,12,826 |
| Sep 2028 | ₹18,979 | ₹17,419 | ₹36,398 | ₹25,93,846 |
| Oct 2028 | ₹19,106 | ₹17,292 | ₹36,398 | ₹25,74,740 |
Nov 2028 – Oct 2029 Principal paid₹2,39,454 Interest paid₹1,97,326 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2028 | ₹19,233 | ₹17,165 | ₹36,398 | ₹25,55,507 |
| Dec 2028 | ₹19,362 | ₹17,037 | ₹36,398 | ₹25,36,145 |
| Jan 2029 | ₹19,491 | ₹16,908 | ₹36,398 | ₹25,16,655 |
| Feb 2029 | ₹19,621 | ₹16,778 | ₹36,398 | ₹24,97,034 |
| Mar 2029 | ₹19,751 | ₹16,647 | ₹36,398 | ₹24,77,283 |
| Apr 2029 | ₹19,883 | ₹16,515 | ₹36,398 | ₹24,57,400 |
| May 2029 | ₹20,016 | ₹16,383 | ₹36,398 | ₹24,37,384 |
| Jun 2029 | ₹20,149 | ₹16,249 | ₹36,398 | ₹24,17,235 |
| Jul 2029 | ₹20,283 | ₹16,115 | ₹36,398 | ₹23,96,952 |
| Aug 2029 | ₹20,419 | ₹15,980 | ₹36,398 | ₹23,76,533 |
| Sep 2029 | ₹20,555 | ₹15,844 | ₹36,398 | ₹23,55,978 |
| Oct 2029 | ₹20,692 | ₹15,707 | ₹36,398 | ₹23,35,287 |
Nov 2029 – Oct 2030 Principal paid₹2,59,328 Interest paid₹1,77,451 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2029 | ₹20,830 | ₹15,569 | ₹36,398 | ₹23,14,457 |
| Dec 2029 | ₹20,969 | ₹15,430 | ₹36,398 | ₹22,93,488 |
| Jan 2030 | ₹21,108 | ₹15,290 | ₹36,398 | ₹22,72,380 |
| Feb 2030 | ₹21,249 | ₹15,149 | ₹36,398 | ₹22,51,131 |
| Mar 2030 | ₹21,391 | ₹15,008 | ₹36,398 | ₹22,29,740 |
| Apr 2030 | ₹21,533 | ₹14,865 | ₹36,398 | ₹22,08,207 |
| May 2030 | ₹21,677 | ₹14,721 | ₹36,398 | ₹21,86,530 |
| Jun 2030 | ₹21,821 | ₹14,577 | ₹36,398 | ₹21,64,708 |
| Jul 2030 | ₹21,967 | ₹14,431 | ₹36,398 | ₹21,42,742 |
| Aug 2030 | ₹22,113 | ₹14,285 | ₹36,398 | ₹21,20,628 |
| Sep 2030 | ₹22,261 | ₹14,138 | ₹36,398 | ₹20,98,367 |
| Oct 2030 | ₹22,409 | ₹13,989 | ₹36,398 | ₹20,75,958 |
Nov 2030 – Oct 2031 Principal paid₹2,80,852 Interest paid₹1,55,927 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2030 | ₹22,559 | ₹13,840 | ₹36,398 | ₹20,53,400 |
| Dec 2030 | ₹22,709 | ₹13,689 | ₹36,398 | ₹20,30,691 |
| Jan 2031 | ₹22,860 | ₹13,538 | ₹36,398 | ₹20,07,830 |
| Feb 2031 | ₹23,013 | ₹13,386 | ₹36,398 | ₹19,84,818 |
| Mar 2031 | ₹23,166 | ₹13,232 | ₹36,398 | ₹19,61,652 |
| Apr 2031 | ₹23,321 | ₹13,078 | ₹36,398 | ₹19,38,331 |
| May 2031 | ₹23,476 | ₹12,922 | ₹36,398 | ₹19,14,855 |
| Jun 2031 | ₹23,633 | ₹12,766 | ₹36,398 | ₹18,91,222 |
| Jul 2031 | ₹23,790 | ₹12,608 | ₹36,398 | ₹18,67,432 |
| Aug 2031 | ₹23,949 | ₹12,450 | ₹36,398 | ₹18,43,483 |
| Sep 2031 | ₹24,108 | ₹12,290 | ₹36,398 | ₹18,19,375 |
| Oct 2031 | ₹24,269 | ₹12,129 | ₹36,398 | ₹17,95,106 |
Nov 2031 – Oct 2032 Principal paid₹3,04,163 Interest paid₹1,32,616 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2031 | ₹24,431 | ₹11,967 | ₹36,398 | ₹17,70,675 |
| Dec 2031 | ₹24,594 | ₹11,805 | ₹36,398 | ₹17,46,081 |
| Jan 2032 | ₹24,758 | ₹11,641 | ₹36,398 | ₹17,21,324 |
| Feb 2032 | ₹24,923 | ₹11,475 | ₹36,398 | ₹16,96,401 |
| Mar 2032 | ₹25,089 | ₹11,309 | ₹36,398 | ₹16,71,312 |
| Apr 2032 | ₹25,256 | ₹11,142 | ₹36,398 | ₹16,46,056 |
| May 2032 | ₹25,425 | ₹10,974 | ₹36,398 | ₹16,20,631 |
| Jun 2032 | ₹25,594 | ₹10,804 | ₹36,398 | ₹15,95,037 |
| Jul 2032 | ₹25,765 | ₹10,634 | ₹36,398 | ₹15,69,272 |
| Aug 2032 | ₹25,936 | ₹10,462 | ₹36,398 | ₹15,43,336 |
| Sep 2032 | ₹26,109 | ₹10,289 | ₹36,398 | ₹15,17,226 |
| Oct 2032 | ₹26,283 | ₹10,115 | ₹36,398 | ₹14,90,943 |
Nov 2032 – Oct 2033 Principal paid₹3,29,408 Interest paid₹1,07,371 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2032 | ₹26,459 | ₹9,940 | ₹36,398 | ₹14,64,484 |
| Dec 2032 | ₹26,635 | ₹9,763 | ₹36,398 | ₹14,37,849 |
| Jan 2033 | ₹26,813 | ₹9,586 | ₹36,398 | ₹14,11,037 |
| Feb 2033 | ₹26,991 | ₹9,407 | ₹36,398 | ₹13,84,045 |
| Mar 2033 | ₹27,171 | ₹9,227 | ₹36,398 | ₹13,56,874 |
| Apr 2033 | ₹27,352 | ₹9,046 | ₹36,398 | ₹13,29,521 |
| May 2033 | ₹27,535 | ₹8,863 | ₹36,398 | ₹13,01,987 |
| Jun 2033 | ₹27,718 | ₹8,680 | ₹36,398 | ₹12,74,268 |
| Jul 2033 | ₹27,903 | ₹8,495 | ₹36,398 | ₹12,46,365 |
| Aug 2033 | ₹28,089 | ₹8,309 | ₹36,398 | ₹12,18,276 |
| Sep 2033 | ₹28,276 | ₹8,122 | ₹36,398 | ₹11,90,000 |
| Oct 2033 | ₹28,465 | ₹7,933 | ₹36,398 | ₹11,61,535 |
Nov 2033 – Oct 2034 Principal paid₹3,56,749 Interest paid₹80,030 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2033 | ₹28,655 | ₹7,744 | ₹36,398 | ₹11,32,880 |
| Dec 2033 | ₹28,846 | ₹7,553 | ₹36,398 | ₹11,04,034 |
| Jan 2034 | ₹29,038 | ₹7,360 | ₹36,398 | ₹10,74,996 |
| Feb 2034 | ₹29,232 | ₹7,167 | ₹36,398 | ₹10,45,764 |
| Mar 2034 | ₹29,427 | ₹6,972 | ₹36,398 | ₹10,16,338 |
| Apr 2034 | ₹29,623 | ₹6,776 | ₹36,398 | ₹9,86,715 |
| May 2034 | ₹29,820 | ₹6,578 | ₹36,398 | ₹9,56,895 |
| Jun 2034 | ₹30,019 | ₹6,379 | ₹36,398 | ₹9,26,876 |
| Jul 2034 | ₹30,219 | ₹6,179 | ₹36,398 | ₹8,96,657 |
| Aug 2034 | ₹30,421 | ₹5,978 | ₹36,398 | ₹8,66,236 |
| Sep 2034 | ₹30,623 | ₹5,775 | ₹36,398 | ₹8,35,613 |
| Oct 2034 | ₹30,828 | ₹5,571 | ₹36,398 | ₹8,04,785 |
Nov 2034 – Oct 2035 Principal paid₹3,86,359 Interest paid₹50,420 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2034 | ₹31,033 | ₹5,365 | ₹36,398 | ₹7,73,752 |
| Dec 2034 | ₹31,240 | ₹5,158 | ₹36,398 | ₹7,42,513 |
| Jan 2035 | ₹31,448 | ₹4,950 | ₹36,398 | ₹7,11,064 |
| Feb 2035 | ₹31,658 | ₹4,740 | ₹36,398 | ₹6,79,406 |
| Mar 2035 | ₹31,869 | ₹4,529 | ₹36,398 | ₹6,47,538 |
| Apr 2035 | ₹32,081 | ₹4,317 | ₹36,398 | ₹6,15,456 |
| May 2035 | ₹32,295 | ₹4,103 | ₹36,398 | ₹5,83,161 |
| Jun 2035 | ₹32,511 | ₹3,888 | ₹36,398 | ₹5,50,650 |
| Jul 2035 | ₹32,727 | ₹3,671 | ₹36,398 | ₹5,17,923 |
| Aug 2035 | ₹32,945 | ₹3,453 | ₹36,398 | ₹4,84,978 |
| Sep 2035 | ₹33,165 | ₹3,233 | ₹36,398 | ₹4,51,813 |
| Oct 2035 | ₹33,386 | ₹3,012 | ₹36,398 | ₹4,18,426 |
Nov 2035 – Oct 2036 Principal paid₹4,18,426 Interest paid₹18,353 Total paid₹4,36,779
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2035 | ₹33,609 | ₹2,790 | ₹36,398 | ₹3,84,818 |
| Dec 2035 | ₹33,833 | ₹2,565 | ₹36,398 | ₹3,50,985 |
| Jan 2036 | ₹34,058 | ₹2,340 | ₹36,398 | ₹3,16,926 |
| Feb 2036 | ₹34,285 | ₹2,113 | ₹36,398 | ₹2,82,641 |
| Mar 2036 | ₹34,514 | ₹1,884 | ₹36,398 | ₹2,48,127 |
| Apr 2036 | ₹34,744 | ₹1,654 | ₹36,398 | ₹2,13,383 |
| May 2036 | ₹34,976 | ₹1,423 | ₹36,398 | ₹1,78,407 |
| Jun 2036 | ₹35,209 | ₹1,189 | ₹36,398 | ₹1,43,198 |
| Jul 2036 | ₹35,444 | ₹955 | ₹36,398 | ₹1,07,755 |
| Aug 2036 | ₹35,680 | ₹718 | ₹36,398 | ₹72,075 |
| Sep 2036 | ₹35,918 | ₹481 | ₹36,398 | ₹36,157 |
| Oct 2036 | ₹36,157 | ₹241 | ₹36,398 | ₹0 |
Lenders offering this product
Compare lenders side by side
Tick up to 4 lenders to compare them head to head, or apply with any lender directly.
- Lenders compared
- 29
- Rates from
- 8.00% p.a.
- Loan up to
- ₹75 Crore
- Tenure up to
- 30 yrs
— pick at least one more to compare. — showing only your picks.
| Lender | Interest rate | Loan amount | Tenure | Processing fee | Eligibility | Apply |
|---|---|---|---|---|---|---|
Bajaj Finance
NBFC / HFC
Lowest rate
|
Interest rate 8.00% – 14.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹3 Lakh – ₹15.5 Crore |
Tenure 1–15 yrs |
Processing fee ₹10,600–₹5,487,000 Fee detailsUp to 3.54% of loan amount (inclusive of applicable taxes); fixed or floating; nil foreclosure for individuals/MSEs on floating rate |
Eligibility
|
Apply Now |
IndusInd Bank
Bank
Lowest rate
|
Interest rate 8.00% – 12.60% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹20 Crore |
Tenure 1–15 yrs |
Processing fee ₹20,000–₹4,000,000 + GST Fee detailsexternal-benchmark linked (5.25%); MyMoneyMantra: PF up to 2%, up to Rs 20 crore, 15 yrs, age 21-70 |
Eligibility
|
Apply Now |
L&T Finance
NBFC / HFC
Lowest rate
|
Interest rate 8.00% – 18.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹25 Lakh – ₹7 Crore |
Tenure 3–20 yrs |
Processing fee ₹75,000–₹2,100,000 + GST Fee detailsPF up to 3% of sanctioned amount + taxes; login fee up to Rs 5,000; mortgage origination up to Rs 6,000 per property |
Eligibility
|
Apply Now |
|
HDFC Bank
Bank
|
Interest rate 8.30% – 12.75% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹11 Lakh – ₹10 Crore |
Tenure 1–15 yrs |
Processing fee ₹7,500–₹1,000,000 + GST Fee detailsMax 1% of loan, min ₹7,500 + taxes; floating Repo 5.25% + 3.05%-7.50%; fixed 11.80%-13.30%; up to 65% of property value; calculator range ₹11 lakh-₹10 crore |
Eligibility
|
Apply Now |
Federal Bank
Bank
|
Interest rate 8.45% – 10.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹3,000–₹500,000 + GST Fee detailsProperty Power: term loan 8.30%-10.00%, overdraft 8.50%-10.50% (repo-linked); loans below Rs 35 lakh +1%; PB: up to Rs 5 Cr, 15 yrs, PF 1% (min Rs 3,000) |
Eligibility
|
Apply Now |
HDB Financial Services
NBFC / HFC
|
Interest rate 8.75% – 19.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹15 Crore |
Tenure 1–10 yrs |
Processing fee ₹23,600–₹3,540,000 Fee detailsTenure 12-120 months (121-180 on exception); PF up to 2.36% inclusive of GST; application fee up to Rs 7,670; nil prepayment for individual floating-rate LAP; Rs 10 lakh (tier 2-4) / 20 lakh (tier 1) up to Rs 15 Cr; flat max = PF cap (Rs 7,670 was appl... |
Eligibility
|
Apply Now |
IDFC FIRST Bank
Bank
|
Interest rate 8.75% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹15 Crore |
Tenure 1–25 yrs |
Processing fee ₹30,000–₹4,500,000 + GST Fee detailsUp to 3% of loan amount; dropline OD variant available; LTV up to 80% |
Eligibility
|
Apply Now |
PNB Housing Finance
NBFC / HFC
|
Interest rate 8.75% – 11.05% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–20 yrs |
Processing fee ₹4,000–₹1,000,000 + GST Fee detailsFloating 8.75%-11.05% by CIBIL band/loan slab; fixed 15.25%; PF 2% + taxes (aggregator figure); LTV up to 70% |
Eligibility
|
Apply Now |
Aditya Birla Finance
NBFC / HFC
Highest amount
|
Interest rate 8.95% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹15 Lakh – ₹75 Crore |
Tenure 1–20 yrs |
Processing fee ₹30,000–₹15,000,000 + GST Fee detailsup to 75% of property value; PF up to 2% of loan amount |
Eligibility
|
Apply Now |
Tata Capital
NBFC / HFC
|
Interest rate 9.00% – 17.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–20 yrs |
Processing fee ₹5,000–₹3,000,000 + GST Fee detailsPF up to 3% + GST; loan cancellation 2% or Rs 5,750 |
Eligibility
|
Apply Now |
|
Axis Bank
Bank
|
Interest rate 9.15% – 10.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–20 yrs |
Processing fee ₹10,000–₹500,000 + GST Fee detailsUp to 1% of loan or ₹10,000 whichever higher + GST (₹5,000 upfront); term loan floating Repo + 3.90%-5.00% (PSL 9.15%-10.00%, non-PSL 9.40%-10.25%) |
Eligibility
|
Apply Now |
Kotak Mahindra Bank
Bank
|
Interest rate 9.15% – 16.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹10,000–₹500,000 Fee detailsNon-refundable PF up to 1%; EMI or overdraft; hybrid option fixed 39/52/65 months then Repo-linked floating; MyMoneyMantra: 9.50%-10.50%, tenure up to 15 yrs, salaried 18-60 (Rs 40,000 pm), self-employed 21-65 |
Eligibility
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SMFG India Credit
NBFC / HFC
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Interest rate 9.25% – 18.50% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹4,000–₹1,000,000 + GST Fee detailsPF up to 2% + GST; RPLR 20.80%; LTV up to 70% residential / 60% commercial; legal/technical Rs 4,500-6,500 + GST; salaried 21-60, self-employed 25-65, SME vintage 2+ yrs |
Eligibility
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City Union Bank
Bank
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Interest rate 9.35% – 14.75% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹700–₹125,000 + GST Fee details11.00% (score >800) / 11.75% (700-800) / 12.00% (NTC); PF 0.35% up to Rs 1 crore, 0.25% above |
Eligibility
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Poonawalla Fincorp
NBFC / HFC
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Interest rate 9.50% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹51 Lakh – ₹25 Crore |
Tenure 3–15 yrs |
Processing fee ₹102,000–₹5,000,000 + GST Fee detailsRs 51 lakh to Rs 25 Cr; PF up to 2% of sanction; foreclosure/part-payment up to 5% + taxes; salaried max age 60 and self-employed 75 at maturity |
Eligibility
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UCO Bank
Bank
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Interest rate 9.50% – 11.50% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹2 Crore |
Tenure 1–12 yrs |
Processing fee ₹1,000–₹200,000 + GST Fee detailsUCO Property Loan: 0.50% upfront, max Rs2 lakh. ROI priority 9.45% / non-priority 10.55% floating; max Rs2 cr individuals, Rs5 cr firms; salaried Rs30,000 pm metro / Rs20,000 other, non-salaried Rs4 lakh pa |
Eligibility
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LIC Housing Finance
NBFC / HFC
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Interest rate 9.70% – 11.55% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹15 Crore |
Tenure 1–15 yrs |
Processing fee ₹2,000–₹1,500,000 + GST Fee detailsGriha Vikas (non-housing/LAP) Q1 FY27 contracted range 8.75%-11.20%; PF 1% + taxes (aggregator) |
Eligibility
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DCB Bank
Bank
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Interest rate 9.95% – 17.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2.5 Lakh – ₹10 Crore |
Tenure 1–15 yrs |
Processing fee ₹5,000–₹2,000,000 + GST Fee detailsUp to 2% (min Rs 5,000) + GST; DCB's core secured SME/LAP product |
Eligibility
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Cholamandalam Finance
NBFC / HFC
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Interest rate 10.00% – 18.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹7.5 Crore |
Tenure 1–15 yrs |
Processing fee ₹15,000–₹2,250,000 + GST Fee detailsRs 5 lakh to Rs 7.5 Cr, tenure up to 15 years; nil foreclosure for individuals on floating rate after 12 months; Interest rate policy Dec-2025: LAP 10%-18% (S-LAP 16%-24%); admin/PF 3% + GST |
Eligibility
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Bandhan Bank
Bank
Longest tenure
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Interest rate 10.39% – 16.42% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹5 Crore |
Tenure 1–30 yrs |
Processing fee ₹4,000–₹500,000 + GST Fee detailsSame schedule as home loan: login fee up to Rs 4,000 + PF nil-1% + admin 0.25%-2% + GST; nil prepayment for individuals on floating rate; LTV 60%; tenure 1-30 yrs |
Eligibility
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Hero FinCorp
NBFC / HFC
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Interest rate 11.00% – 17.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹20 Lakh – ₹7.5 Crore |
Tenure 3–15 yrs |
Processing fee ₹20,000–₹750,000 + GST Fee detailsPF 1% + GST; LTV up to 75%; prepayment not allowed within 12 months |
Eligibility
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IIFL Finance
NBFC / HFC
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Interest rate 11.00% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹2 Crore |
Tenure 5–15 yrs |
Processing fee ₹4,000–₹400,000 + GST Fee detailsVia IIFL Home Finance Ltd (Non-home loan PLR 19.15%); PF up to 2% (LAP); rate range from official LAP EMI calculator; collateral evaluation Rs 5,000-25,000 |
Eligibility
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Piramal Finance
NBFC / HFC
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Interest rate 11.50% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹35 Lakh – ₹2 Crore |
Tenure 1–15 yrs |
Processing fee ₹175,000–₹1,000,000 + GST Fee detailsPF up to 5% + taxes; part-payment per grid; LAP from Rs 35 lakh; CIBIL 750+, income Rs 3 lakh p.a. |
Eligibility
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Manappuram Finance
NBFC / HFC
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Interest rate 13.00% – 22.08% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5 Lakh – ₹50 Lakh |
Tenure 1–15 yrs |
Processing fee ₹5,000–₹50,000 + GST Fee detailsPF minimum 1% + applicable tax; foreclosure 2% + tax after 3 EMIs; min bureau score 560, min clubbed income Rs 25,000 p.m. (official) |
Eligibility
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Apply Now |
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Interest rate 13.50% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹2 Lakh – ₹2 Crore |
Tenure 1–12 yrs |
Processing fee ₹5,000–₹500,000 + GST Fee detailsLAP/secured business loan: min Repo/EBR, max up to 24%; PF up to 2.50% + GST |
Eligibility
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Apply Now | |
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ICICI Bank
Bank
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Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹10 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹20,000–₹1,000,000 + GST Fee detailsMortgage loan PF up to 2% + taxes, admin 0.25% or ₹5,000 whichever lower; non-housing/LAP slabs 10.60%-12.25% (PSL vs non-PSL) valid till 30-Sep-2026; nil foreclosure for SMEs |
Eligibility
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Apply Now |
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Kotak Mahindra Prime
NBFC / HFC
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Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹10 Lakh – ₹5 Crore |
Tenure 1–15 yrs |
Processing fee ₹6,000–₹1,000,000 + GST Fee detailsPF up to 2% + application login fee Rs 6,000 per property + GST; LTV up to 80%; prepayment 4%; salaried min income Rs 30,000 p.m., self-employed Rs 3 lakh p.a. ITR; Flexi/dropline LAP also offered |
Eligibility
|
Apply Now |
RBL Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹2 Lakh – ₹15 Crore |
Tenure 1–20 yrs |
Processing fee ₹2,500–₹1,875,000 + GST Fee detailsTerm loan or drop-line OD up to Rs 15 crore; LTV up to 80%; DLOD tenure up to 20 years; PF 1.25% + GST; rate by CIBIL band |
Eligibility
|
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Union Bank of India
Bank
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Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5 Lakh – ₹10 Crore |
Tenure 1–15 yrs |
Processing fee ₹5,000–₹100,000 + GST Fee detailsUnion Mortgage term loan: 1% of loan amt, min Rs5,000 max Rs1,00,000 + GST; SOD 0.25% max Rs1,00,000. ROI by property type & CIC: 9.05% (self-occupied residential, 800+) to 11.85% (leased commercial, <700) |
Eligibility
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Apply Now |
Not sure which lender fits? Check your eligibility with all 29 lenders with a single application.
Check eligibilityRates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.
Explore Loan Against Property by amount, type, need & location
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Why FynnEdge?
You could go directly to a bank. But why apply for a Loan Against Property through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
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“I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””
Kavita Iyer
Hyderabad
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“I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””
Sandeep Malhotra
Chandigarh
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“I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”
Rajesh Gupta
kanpur
Frequently asked questions
What is a Loan Against Property?
A Loan Against Property is a secured loan where you use your residential or commercial property as collateral to borrow funds. The loan amount can be used for eligible personal or business-related financial needs.
How much Loan Against Property can I get?
The loan amount depends on factors such as your property value, income, credit profile, repayment capacity and the lender’s policies. Eligible borrowers may get loans of up to ₹7.5 Crore, subject to lender approval.
What is the interest rate on a Loan Against Property?
Interest rates vary between lenders and depend on your financial profile, property value, loan amount and tenure. The indicative rate range mentioned on the page is 9.50% to 14.00% per annum.
What is the maximum tenure for a Loan Against Property?
The repayment tenure can extend up to 15 years, depending on the lender and the applicant's eligibility.
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