Fynnedge Loan Against Property for Education | Loan against property for higher education

Request a Loan Against Property for Education

Higher education is an important financial commitment for most families in India or overseas. From tuition and living expenses to travelling/studying materials, education can put huge financial pressure on any family. In such scenarios, opting for a Loan Against Property for Education gives owners of residential and commercial properties the chance to use their real estate value for academic purposes. Borrowers do not have to sell their assets but can use the property as loan security and pay off their debt in competitive, equal payments.

Loan Against Property for Education EMI calculator

Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.

Loan amount

₹

Maximum loan amount: ₹7,50,00,000

Interest rate (p.a.)

Lenders' published rates for Loan Against Property: 8.00%–22.08% p.a..

Tenure

years

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

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

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.

Period Principal paid Interest paid Total paid

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

Balance remaining after the last month of each period shown above.

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Lenders compared: 29
Rates from: 8.00% p.a.
Loan up to: ₹75 Crore
Tenure up to: 30 yrs

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Lender	Interest rate	Loan amount	Tenure	Processing fee	Eligibility	Apply
Compare Bajaj Finance 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 details Up to 3.54% of loan amount (inclusive of applicable taxes); fixed or floating; nil foreclosure for individuals/MSEs on floating rate	Eligibility Age 21–85 yrs Min. income ₹0/mo Credit score 650+ 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare IndusInd Bank 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 details external-benchmark linked (5.25%); MyMoneyMantra: PF up to 2%, up to Rs 20 crore, 15 yrs, age 21-70	Eligibility Age 21–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare L&T Finance 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 details PF up to 3% of sanctioned amount + taxes; login fee up to Rs 5,000; mortgage origination up to Rs 6,000 per property	Eligibility Age 23–70 yrs Min. income ₹0/mo Credit score 750+ 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare HDFC Bank 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 details Max 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 Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Federal Bank 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 details Property 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 Age 24–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare HDB Financial Services 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 details Tenure 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 Age 22–65 yrs Min. income ₹25,000/mo 48+ months in current employment/business Salaried or Self-employed	Apply Now
Compare IDFC FIRST Bank 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 details Up to 3% of loan amount; dropline OD variant available; LTV up to 80%	Eligibility Age 21–70 yrs Min. income ₹20,000/mo Credit score 750+ 24+ months in current employment/business Salaried or Self-employed	Apply Now
Compare PNB Housing Finance 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 details Floating 8.75%-11.05% by CIBIL band/loan slab; fixed 15.25%; PF 2% + taxes (aggregator figure); LTV up to 70%	Eligibility Age 21–65 yrs Min. income ₹0/mo 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Aditya Birla Finance 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 details up to 75% of property value; PF up to 2% of loan amount	Eligibility Age 21–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Tata Capital 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 details PF up to 3% + GST; loan cancellation 2% or Rs 5,750	Eligibility Age 25–70 yrs Min. income ₹15,000/mo 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Axis Bank 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 details Up 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 Age 24–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Kotak Mahindra Bank 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 details Non-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 Age 18–65 yrs Min. income ₹40,000/mo 24+ months in current employment/business Salaried or Self-employed	Apply Now
Compare SMFG India Credit SMFG India Credit NBFC / HFC	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 details PF 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 Age 21–65 yrs Min. income ₹25,000/mo Credit score 700+ 24+ months in current employment/business Salaried or Self-employed	Apply Now
Compare City Union Bank City Union Bank Bank	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 details 11.00% (score >800) / 11.75% (700-800) / 12.00% (NTC); PF 0.35% up to Rs 1 crore, 0.25% above	Eligibility Age 21–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Poonawalla Fincorp Poonawalla Fincorp NBFC / HFC	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 details Rs 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 Age 21–75 yrs Min. income ₹0/mo Credit score 700+ 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare UCO Bank UCO Bank Bank	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 details UCO 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 Age 21–70 yrs Min. income ₹20,000/mo Salaried or Self-employed	Apply Now
Compare LIC Housing Finance LIC Housing Finance NBFC / HFC	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 details Griha Vikas (non-housing/LAP) Q1 FY27 contracted range 8.75%-11.20%; PF 1% + taxes (aggregator)	Eligibility Age 21–65 yrs Min. income ₹0/mo Credit score 600+ Salaried or Self-employed	Apply Now
Compare DCB Bank DCB Bank Bank	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 details Up to 2% (min Rs 5,000) + GST; DCB's core secured SME/LAP product	Eligibility Age 21–70 yrs Min. income ₹0/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Cholamandalam Finance Cholamandalam Finance NBFC / HFC	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 details Rs 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 Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Bandhan Bank Bandhan Bank Bank Longest tenure	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 details Same 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 Age 23–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Hero FinCorp Hero FinCorp NBFC / HFC	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 details PF 1% + GST; LTV up to 75%; prepayment not allowed within 12 months	Eligibility Age 25–75 yrs Min. income ₹0/mo Credit score 750+ 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare IIFL Finance IIFL Finance NBFC / HFC	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 details Via 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 Age 18–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Piramal Finance Piramal Finance NBFC / HFC	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 details PF up to 5% + taxes; part-payment per grid; LAP from Rs 35 lakh; CIBIL 750+, income Rs 3 lakh p.a.	Eligibility Age 21–65 yrs Min. income ₹25,000/mo Credit score 750+ 12+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Manappuram Finance Manappuram Finance NBFC / HFC	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 details PF minimum 1% + applicable tax; foreclosure 2% + tax after 3 EMIs; min bureau score 560, min clubbed income Rs 25,000 p.m. (official)	Eligibility Age 21–65 yrs Min. income ₹25,000/mo Credit score 560+ Salaried or Self-employed	Apply Now
Compare AU Small Finance Bank AU Small Finance Bank Bank	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 details LAP/secured business loan: min Repo/EBR, max up to 24%; PF up to 2.50% + GST	Eligibility Age 21–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare ICICI Bank ICICI Bank Bank	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 details Mortgage 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 Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Kotak Mahindra Prime Kotak Mahindra Prime NBFC / HFC	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 details PF 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 Age 18–65 yrs Min. income ₹30,000/mo 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare RBL Bank 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 details Term 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 Age 23–75 yrs Min. income ₹12,500/mo 60+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Union Bank of India Union Bank of India Bank	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 details Union 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 Age 21–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now

Lender

Interest rate

Loan amount

Tenure

Processing fee

Eligibility

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 details

Up to 3.54% of loan amount (inclusive of applicable taxes); fixed or floating; nil foreclosure for individuals/MSEs on floating rate

Eligibility

Age 21–85 yrs
Min. income ₹0/mo
Credit score 650+
36+ months in current employment/business
Salaried or Self-employed

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 details

external-benchmark linked (5.25%); MyMoneyMantra: PF up to 2%, up to Rs 20 crore, 15 yrs, age 21-70

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

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 details

PF up to 3% of sanctioned amount + taxes; login fee up to Rs 5,000; mortgage origination up to Rs 6,000 per property

Eligibility

Age 23–70 yrs
Min. income ₹0/mo
Credit score 750+
36+ months in current employment/business
Salaried or Self-employed

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 details

Max 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

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

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 details

Property 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

Age 24–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

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 details

Tenure 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

Age 22–65 yrs
Min. income ₹25,000/mo
48+ months in current employment/business
Salaried or Self-employed

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 details

Up to 3% of loan amount; dropline OD variant available; LTV up to 80%

Eligibility

Age 21–70 yrs
Min. income ₹20,000/mo
Credit score 750+
24+ months in current employment/business
Salaried or Self-employed

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 details

Floating 8.75%-11.05% by CIBIL band/loan slab; fixed 15.25%; PF 2% + taxes (aggregator figure); LTV up to 70%

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
36+ months in current employment/business
Salaried or Self-employed

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 details

up to 75% of property value; PF up to 2% of loan amount

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

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 details

PF up to 3% + GST; loan cancellation 2% or Rs 5,750

Eligibility

Age 25–70 yrs
Min. income ₹15,000/mo
36+ months in current employment/business
Salaried or Self-employed

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 details

Up 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

Age 24–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

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 details

Non-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

Age 18–65 yrs
Min. income ₹40,000/mo
24+ months in current employment/business
Salaried or Self-employed

Apply Now

SMFG India Credit NBFC / HFC

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 details

PF 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

Age 21–65 yrs
Min. income ₹25,000/mo
Credit score 700+
24+ months in current employment/business
Salaried or Self-employed

Apply Now

City Union Bank Bank

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 details

11.00% (score >800) / 11.75% (700-800) / 12.00% (NTC); PF 0.35% up to Rs 1 crore, 0.25% above

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Poonawalla Fincorp NBFC / HFC

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 details

Rs 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

Age 21–75 yrs
Min. income ₹0/mo
Credit score 700+
36+ months in current employment/business
Salaried or Self-employed

Apply Now

UCO Bank Bank

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 details

UCO 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

Age 21–70 yrs
Min. income ₹20,000/mo
Salaried or Self-employed

Apply Now

LIC Housing Finance NBFC / HFC

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 details

Griha Vikas (non-housing/LAP) Q1 FY27 contracted range 8.75%-11.20%; PF 1% + taxes (aggregator)

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
Credit score 600+
Salaried or Self-employed

Apply Now

DCB Bank Bank

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 details

Up to 2% (min Rs 5,000) + GST; DCB's core secured SME/LAP product

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Credit score 700+
Salaried or Self-employed

Apply Now

Cholamandalam Finance NBFC / HFC

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 details

Rs 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

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Bandhan Bank Bank

Longest tenure

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 details

Same 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

Age 23–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Hero FinCorp NBFC / HFC

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 details

PF 1% + GST; LTV up to 75%; prepayment not allowed within 12 months

Eligibility

Age 25–75 yrs
Min. income ₹0/mo
Credit score 750+
36+ months in current employment/business
Salaried or Self-employed

Apply Now

IIFL Finance NBFC / HFC

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 details

Via 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

Age 18–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Piramal Finance NBFC / HFC

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 details

PF up to 5% + taxes; part-payment per grid; LAP from Rs 35 lakh; CIBIL 750+, income Rs 3 lakh p.a.

Eligibility

Age 21–65 yrs
Min. income ₹25,000/mo
Credit score 750+
12+ months in current employment/business
Salaried or Self-employed

Apply Now

Manappuram Finance NBFC / HFC

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 details

PF minimum 1% + applicable tax; foreclosure 2% + tax after 3 EMIs; min bureau score 560, min clubbed income Rs 25,000 p.m. (official)

Eligibility

Age 21–65 yrs
Min. income ₹25,000/mo
Credit score 560+
Salaried or Self-employed

Apply Now

AU Small Finance Bank Bank

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 details

LAP/secured business loan: min Repo/EBR, max up to 24%; PF up to 2.50% + GST

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

ICICI Bank Bank

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 details

Mortgage 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

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Kotak Mahindra Prime NBFC / HFC

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 details

PF 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

Age 18–65 yrs
Min. income ₹30,000/mo
36+ months in current employment/business
Salaried or Self-employed

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 details

Term 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

Age 23–75 yrs
Min. income ₹12,500/mo
60+ months in current employment/business
Salaried or Self-employed

Apply Now

Union Bank of India Bank

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 details

Union 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

Age 21–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Not sure which lender fits? Check your eligibility with all 29 lenders with a single application.

Check eligibility

Rates 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.

Why FynnEdge?

You could go directly to a bank. But why apply for a Loan Against Property for Education 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

“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
“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
“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.

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.

Who can apply for a Loan Against Property?

Salaried and self-employed individuals who own an eligible property and meet the lender’s income, credit, age and documentation requirements can apply.

Which properties can be used to get a Loan Against Property?

Depending on the lender, residential and commercial properties may be accepted as collateral. The property must have clear ownership and valid documents and should meet the lender’s valuation and location requirements.

Updated 14 Oct 2026, 10:54 AM

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Frequently asked questions