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Loan Against Property
Use residential or commercial property as collateral
Large-ticket, longer-tenure funds at rates below unsecured loans. Suitable for business expansion, education, or high-value personal needs.
Amount
Up to ₹10 Cr
Rates from
9.25% p.a.
Tenure
Up to 20 years
Approval
After legal & technical*
Why borrowers pick this product
- Higher ticket than personal loans
- Residential and commercial assets
- Top-up on existing LAP
- End-use flexibility within policy
Indicative lender grid
Compare side by sideFigures are public-range illustrations for planning, not live bank APIs or guaranteed offers.
| Lender | Type | Rate | Amount | EMI / lakh | Processing | |
|---|---|---|---|---|---|---|
| State Bank of India | Nationalized Bank | 8% – 10.5% | ₹5 L – ₹40 Cr | ₹1,992 – ₹2,160 | Up to 0.35% + GST | Enquire |
| Bank of Baroda | Nationalized Bank | 8.15% – 11.2% | ₹10 L – ₹10 Cr | ₹2,001 – ₹2,180 | Up to 1% | Enquire |
| HDFC Bank | Private Bank | 8.35% – 14.5% | ₹50,000 – ₹10 Cr | ₹2,015 – ₹2,370 | Up to 1% or as advertised | Enquire |
| LIC Housing Finance | HFC | 8.25% – 10.8% | ₹5 L – ₹10 Cr | ₹2,008 – ₹2,155 | Up to 0.50% | Enquire |
| Bajaj Finance | NBFC | 11% – 28% | ₹50,000 – ₹55 L | ₹2,175 – ₹3,100 | Up to 3.93% | Enquire |
| IDFC FIRST Bank | Private Bank | 8.85% – 18% | ₹1 L – ₹5 Cr | ₹2,050 – ₹2,550 | Up to 2% | Enquire |
Residential LAP
Self-occupied or rented homes in Bangalore and other approved cities.
Commercial LAP
Shops, offices, and small industrial units with rentals as additional comfort.
Lease rental discounting
Where rentals are strong, some lenders structure EMI against lease flows.
Eligibility
- Clear title in applicant or family name
- Income to support the proposed EMI
- Property in an approved location
- Acceptable residual age of the building
Documents
- Title documents and tax receipts
- Approved plan and occupancy certificate
- Income and banking proofs
- Existing loan statements, if any
FAQs
Typical LTV is 40–70% after legal and technical valuation. Self-occupied homes often get a better LTV than commercial assets.
