Looking for a Loan Against Property in Bengaluru? FynnEdge compares Loan Against Property offers from partner banks and NBFCs for applicants living or working across Bengaluru — including Whitefield, Koramangala, Indiranagar, Electronic City, HSR Layout and Jayanagar — so you can check eligibility and start your application online.

Loan Against Property is typically available from ₹500,000 to ₹75,000,000 over a tenure of 60–180 months, at lenders' published rates of 8.00%–22.08% p.a.

Lenders typically assess: Clear ownership of the property being pledged; Regular income to support repayment; Property must be in a lender-serviceable location.

Documents commonly required: PAN Card, Address Proof, Property Ownership Documents, Income Proof, Bank Statements (last 6 months).

Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.

Loan Against Property in Bengaluru 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

Oct 2026 – Sep 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
Oct 2026	₹16,398	₹20,000	₹36,398	₹29,83,602
Nov 2026	₹16,508	₹19,891	₹36,398	₹29,67,094
Dec 2026	₹16,618	₹19,781	₹36,398	₹29,50,476
Jan 2027	₹16,728	₹19,670	₹36,398	₹29,33,748
Feb 2027	₹16,840	₹19,558	₹36,398	₹29,16,908
Mar 2027	₹16,952	₹19,446	₹36,398	₹28,99,956
Apr 2027	₹17,065	₹19,333	₹36,398	₹28,82,891
May 2027	₹17,179	₹19,219	₹36,398	₹28,65,712
Jun 2027	₹17,294	₹19,105	₹36,398	₹28,48,418
Jul 2027	₹17,409	₹18,989	₹36,398	₹28,31,009
Aug 2027	₹17,525	₹18,873	₹36,398	₹28,13,484
Sep 2027	₹17,642	₹18,757	₹36,398	₹27,95,843

Oct 2027 – Sep 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
Oct 2027	₹17,759	₹18,639	₹36,398	₹27,78,083
Nov 2027	₹17,878	₹18,521	₹36,398	₹27,60,206
Dec 2027	₹17,997	₹18,401	₹36,398	₹27,42,209
Jan 2028	₹18,117	₹18,281	₹36,398	₹27,24,092
Feb 2028	₹18,238	₹18,161	₹36,398	₹27,05,854
Mar 2028	₹18,359	₹18,039	₹36,398	₹26,87,495
Apr 2028	₹18,482	₹17,917	₹36,398	₹26,69,013
May 2028	₹18,605	₹17,793	₹36,398	₹26,50,408
Jun 2028	₹18,729	₹17,669	₹36,398	₹26,31,679
Jul 2028	₹18,854	₹17,545	₹36,398	₹26,12,826
Aug 2028	₹18,979	₹17,419	₹36,398	₹25,93,846
Sep 2028	₹19,106	₹17,292	₹36,398	₹25,74,740

Oct 2028 – Sep 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
Oct 2028	₹19,233	₹17,165	₹36,398	₹25,55,507
Nov 2028	₹19,362	₹17,037	₹36,398	₹25,36,145
Dec 2028	₹19,491	₹16,908	₹36,398	₹25,16,655
Jan 2029	₹19,621	₹16,778	₹36,398	₹24,97,034
Feb 2029	₹19,751	₹16,647	₹36,398	₹24,77,283
Mar 2029	₹19,883	₹16,515	₹36,398	₹24,57,400
Apr 2029	₹20,016	₹16,383	₹36,398	₹24,37,384
May 2029	₹20,149	₹16,249	₹36,398	₹24,17,235
Jun 2029	₹20,283	₹16,115	₹36,398	₹23,96,952
Jul 2029	₹20,419	₹15,980	₹36,398	₹23,76,533
Aug 2029	₹20,555	₹15,844	₹36,398	₹23,55,978
Sep 2029	₹20,692	₹15,707	₹36,398	₹23,35,287

Oct 2029 – Sep 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
Oct 2029	₹20,830	₹15,569	₹36,398	₹23,14,457
Nov 2029	₹20,969	₹15,430	₹36,398	₹22,93,488
Dec 2029	₹21,108	₹15,290	₹36,398	₹22,72,380
Jan 2030	₹21,249	₹15,149	₹36,398	₹22,51,131
Feb 2030	₹21,391	₹15,008	₹36,398	₹22,29,740
Mar 2030	₹21,533	₹14,865	₹36,398	₹22,08,207
Apr 2030	₹21,677	₹14,721	₹36,398	₹21,86,530
May 2030	₹21,821	₹14,577	₹36,398	₹21,64,708
Jun 2030	₹21,967	₹14,431	₹36,398	₹21,42,742
Jul 2030	₹22,113	₹14,285	₹36,398	₹21,20,628
Aug 2030	₹22,261	₹14,138	₹36,398	₹20,98,367
Sep 2030	₹22,409	₹13,989	₹36,398	₹20,75,958

Oct 2030 – Sep 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
Oct 2030	₹22,559	₹13,840	₹36,398	₹20,53,400
Nov 2030	₹22,709	₹13,689	₹36,398	₹20,30,691
Dec 2030	₹22,860	₹13,538	₹36,398	₹20,07,830
Jan 2031	₹23,013	₹13,386	₹36,398	₹19,84,818
Feb 2031	₹23,166	₹13,232	₹36,398	₹19,61,652
Mar 2031	₹23,321	₹13,078	₹36,398	₹19,38,331
Apr 2031	₹23,476	₹12,922	₹36,398	₹19,14,855
May 2031	₹23,633	₹12,766	₹36,398	₹18,91,222
Jun 2031	₹23,790	₹12,608	₹36,398	₹18,67,432
Jul 2031	₹23,949	₹12,450	₹36,398	₹18,43,483
Aug 2031	₹24,108	₹12,290	₹36,398	₹18,19,375
Sep 2031	₹24,269	₹12,129	₹36,398	₹17,95,106

Oct 2031 – Sep 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
Oct 2031	₹24,431	₹11,967	₹36,398	₹17,70,675
Nov 2031	₹24,594	₹11,805	₹36,398	₹17,46,081
Dec 2031	₹24,758	₹11,641	₹36,398	₹17,21,324
Jan 2032	₹24,923	₹11,475	₹36,398	₹16,96,401
Feb 2032	₹25,089	₹11,309	₹36,398	₹16,71,312
Mar 2032	₹25,256	₹11,142	₹36,398	₹16,46,056
Apr 2032	₹25,425	₹10,974	₹36,398	₹16,20,631
May 2032	₹25,594	₹10,804	₹36,398	₹15,95,037
Jun 2032	₹25,765	₹10,634	₹36,398	₹15,69,272
Jul 2032	₹25,936	₹10,462	₹36,398	₹15,43,336
Aug 2032	₹26,109	₹10,289	₹36,398	₹15,17,226
Sep 2032	₹26,283	₹10,115	₹36,398	₹14,90,943

Oct 2032 – Sep 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
Oct 2032	₹26,459	₹9,940	₹36,398	₹14,64,484
Nov 2032	₹26,635	₹9,763	₹36,398	₹14,37,849
Dec 2032	₹26,813	₹9,586	₹36,398	₹14,11,037
Jan 2033	₹26,991	₹9,407	₹36,398	₹13,84,045
Feb 2033	₹27,171	₹9,227	₹36,398	₹13,56,874
Mar 2033	₹27,352	₹9,046	₹36,398	₹13,29,521
Apr 2033	₹27,535	₹8,863	₹36,398	₹13,01,987
May 2033	₹27,718	₹8,680	₹36,398	₹12,74,268
Jun 2033	₹27,903	₹8,495	₹36,398	₹12,46,365
Jul 2033	₹28,089	₹8,309	₹36,398	₹12,18,276
Aug 2033	₹28,276	₹8,122	₹36,398	₹11,90,000
Sep 2033	₹28,465	₹7,933	₹36,398	₹11,61,535

Oct 2033 – Sep 2034 Principal paid₹3,56,749 Interest paid₹80,030 Total paid₹4,36,779

Month	Principal paid	Interest paid	Total paid	Balance remaining
Oct 2033	₹28,655	₹7,744	₹36,398	₹11,32,880
Nov 2033	₹28,846	₹7,553	₹36,398	₹11,04,034
Dec 2033	₹29,038	₹7,360	₹36,398	₹10,74,996
Jan 2034	₹29,232	₹7,167	₹36,398	₹10,45,764
Feb 2034	₹29,427	₹6,972	₹36,398	₹10,16,338
Mar 2034	₹29,623	₹6,776	₹36,398	₹9,86,715
Apr 2034	₹29,820	₹6,578	₹36,398	₹9,56,895
May 2034	₹30,019	₹6,379	₹36,398	₹9,26,876
Jun 2034	₹30,219	₹6,179	₹36,398	₹8,96,657
Jul 2034	₹30,421	₹5,978	₹36,398	₹8,66,236
Aug 2034	₹30,623	₹5,775	₹36,398	₹8,35,613
Sep 2034	₹30,828	₹5,571	₹36,398	₹8,04,785

Oct 2034 – Sep 2035 Principal paid₹3,86,359 Interest paid₹50,420 Total paid₹4,36,779

Month	Principal paid	Interest paid	Total paid	Balance remaining
Oct 2034	₹31,033	₹5,365	₹36,398	₹7,73,752
Nov 2034	₹31,240	₹5,158	₹36,398	₹7,42,513
Dec 2034	₹31,448	₹4,950	₹36,398	₹7,11,064
Jan 2035	₹31,658	₹4,740	₹36,398	₹6,79,406
Feb 2035	₹31,869	₹4,529	₹36,398	₹6,47,538
Mar 2035	₹32,081	₹4,317	₹36,398	₹6,15,456
Apr 2035	₹32,295	₹4,103	₹36,398	₹5,83,161
May 2035	₹32,511	₹3,888	₹36,398	₹5,50,650
Jun 2035	₹32,727	₹3,671	₹36,398	₹5,17,923
Jul 2035	₹32,945	₹3,453	₹36,398	₹4,84,978
Aug 2035	₹33,165	₹3,233	₹36,398	₹4,51,813
Sep 2035	₹33,386	₹3,012	₹36,398	₹4,18,426

Oct 2035 – Sep 2036 Principal paid₹4,18,426 Interest paid₹18,353 Total paid₹4,36,779

Month	Principal paid	Interest paid	Total paid	Balance remaining
Oct 2035	₹33,609	₹2,790	₹36,398	₹3,84,818
Nov 2035	₹33,833	₹2,565	₹36,398	₹3,50,985
Dec 2035	₹34,058	₹2,340	₹36,398	₹3,16,926
Jan 2036	₹34,285	₹2,113	₹36,398	₹2,82,641
Feb 2036	₹34,514	₹1,884	₹36,398	₹2,48,127
Mar 2036	₹34,744	₹1,654	₹36,398	₹2,13,383
Apr 2036	₹34,976	₹1,423	₹36,398	₹1,78,407
May 2036	₹35,209	₹1,189	₹36,398	₹1,43,198
Jun 2036	₹35,444	₹955	₹36,398	₹1,07,755
Jul 2036	₹35,680	₹718	₹36,398	₹72,075
Aug 2036	₹35,918	₹481	₹36,398	₹36,157
Sep 2036	₹36,157	₹241	₹36,398	₹0

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

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

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— pick at least one more to compare. — showing only your picks.

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

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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

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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

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ICICI Bank Bank

Interest rate

10.85% – 12.50%

p.a.

Rate verified 13 Oct 2026 · lender's rates

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

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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

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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

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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

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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

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

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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.

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Hyderabad
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Chandigarh
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kanpur

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