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Axis Bank Loan Against Property
Should you be in need of financial support and possess a residential or commercial property that can be used as security, Axis Bank's Loan Against Property could be the ideal solution for you. This facility by Axis Bank simplifies the process, offering a Loan Against Property starting at ₹5 Lakhs. You can secure a loan against residential and commercial properties at appealing interest rates while accumulating eDGE Loyalty Reward points.
Features & Benefits
Get a loan on different kinds of property
Avail loan against your commercial property, residential property, or a loan to purchase a commercial property.
Avail attractive Interest Rates
Get Interest rates starting as low as 9.25%.
Transfer your existing loan
Balance transfer your existing loan to Axis Bank and get additional refinance.
Bank comfortably with doorstep service
Apply for and handle your loan from the comfort of your home or office with service at your doorstep.
Avail extra benefits
Get Lease Rental Discounting and Overdraft facility against your property.
Terms & Conditions
Repayment:
Maximum repayment period is 20 years
Security:
Equitable mortgage of the property to be financed, by way of deposit of title deeds
Insurance:
Customer can avail Property and Personal Accident Insurance Cover as per the guidelines and arrangements with the insurer/underwriter. This is optional.
Processing Fee:
A processing fee equivalent to 1% of the loan amount sanctioned (taxes as applicable) inclusive of a non-refundable login fee of ₹5,000/- (taxes as applicable).
Penalty for early closure:
Pre-payment charges - if any applicant is non individual - 3% will be charged if the amount exceeds 25% of the principal outstanding during a quarter, otherwise no penalty will be charged in case of all loans. In case of take-over/transfer of your loan from Axis Bank Limited by/to any other bank/housing finance company/financial institution, a prepayment penalty of 3% on the principal outstanding will be recovered.
Other Conditions:
Axis Bank reserves the right to reject any application without assigning reasons thereof the applicant will undertake to inform the Bank as and when there is a change in address or employment
The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Axis Bank's discretion.
Loan Against Property Interest Rates
For Interest Rates on Loan against property Click Here
For further details Click Here
For Term Loans
| Type | Repo Rate + Spread | Effective Rate of Interest |
|---|---|---|
| Floating Rate - PSL Category | Repo Rate + 3.90% to Repo Rate + 4.75% | 9.15% - 10.00% p.a. |
| Floating Rate - Non PSL Category | Repo Rate + 4.15% to Repo Rate + 5.00% | 9.40% - 10.25% p.a. |
For Overdraft Loans
| Type | Repo Rate + Spread | Effective Rate of Interest |
|---|---|---|
| Floating Rate - PSL Category | Repo Rate + 4.15% to Repo Rate + 4.75% | 9.40% - 10.00% p.a. |
| Floating Rate - Non PSL Category | Repo Rate + 4.40% to Repo Rate + 5.00% | 9.65% - 10.25% p.a. |
Fees & Charges
Avail Loan Against Property from Axis Bank when you require funds to meet crucial expenses such as education, marriage and healthcare. The fees and charges levied by Axis Bank for Loan Against Property are completely transparent and upfront. Read in detail about the fees and charges for Loan Against Property, below.
Eligibility for Loan Against Property
Axis Bank provides Loan Against Property for salaried employees, self-employed individuals and self-employed professionals. Fulfil the required eligibility criteria based on your occupation and age to avail the loan. Refer the below mentioned Loan Against Property eligibility criteria to know more.
Documentation for Loan Against Property
Submit the documents listed below and get a Home Loan / Loan Against Property sanctioned in 5 days!
How to apply for a Mortgage Loan online?
- 01
Visit the Axis Bank website and click on the ‘Explore Products’ option.
- 02
Click on the ‘Loans’ option and select the ‘Loan Against Property’ option.
- 03
Use the online eligibility calculator to get a quick estimate of your loan eligibility. If you are unsure of your tenure and your repayment strategy, you can use the Loan Against Property EMI calculator for better insights.
- 04
Next, fill in the application form by providing accurate information.
- 05
Scan any documents if necessary and upload them for the verification process.
- 06
If approved, you should review a loan sanction letter, followed by the disbursement of the loan amount.
Tips for a Mortgage Loan
Terms & Conditions
Terms and conditions for a Loan Against Property are the guidelines that outline the agreement between the borrower and the lender. These terms include the Interest Rate, repayment period, and fees.
Repayment:
Maximum repayment period is 20 years
Security:
Equitable mortgage of the property to be financed, by way of deposit of title deeds
Insurance:
Customer can avail Property and Personal Accident Insurance Cover as per the guidelines and arrangements with the insurer/underwriter. This is optional.
Processing Fee:
A processing fee equivalent to 1% of the loan amount sanctioned (taxes as applicable) inclusive of a non-refundable login fee of ₹5,000/- (taxes as applicable).
Penalty for early closure:
Pre-payment charges - if any applicant is non individual - 3% will be charged if the amount exceeds 25% of the principal outstanding during a quarter, otherwise no penalty will be charged in case of all loans. In case of take-over/transfer of your loan from Axis Bank Limited by/to any other bank/housing finance company/financial institution, a prepayment penalty of 3% on the principal outstanding will be recovered.
Other Conditions:
Axis Bank reserves the right to reject any application without assigning reasons thereof
The applicant will undertake to inform the Bank as and when there is a change in address or employment
The terms and conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at Axis Bank's discretion.
Already Applied? Track your application here.
Have your application ID or PAN card ready for a hassle-free experience
Track NowFrequently Asked Questions
The main reason people take out loans secured by property is to expand their businesses, purchasing equipment, consolidating debt, and obtaining funds for business needs.
Equated Monthly Instalments, or EMIs, are used to make the payment of Loan Against Property. This EMI is paid each month and consists of principal and interest components.
The maximum tenure of Loan Against Property offered by Axis Bank is 20 years.
Consequent to the recent announcement by the Reserve Bank of India (RBI) to reduce the repo rate by 25 basis points on 05-12-2025, we are currently reviewing our repo linked loan interest rates.
In line with the terms of the loan agreement, repo rate is adjusted once a quarter on the 25th of the last month of the calendar quarter. Accordingly, the recent repo rate change announced by RBI will take effect from 25-12-2025.
The default impact of this change will be provided to the tenure of the loan, in line with the internal policy of the Bank. Should you wish to keep your loan tenure the same and reduce your EMI instead, you may do so by placing a request, at any of the below contact points, on or after 25-12-2025.
You also have the flexibility to choose from the following options:
- Switch Rate Type: Switch from a floating to a fixed rate or vice versa, up to three times during the loan tenure.
- Prepayment: Prepay your loan, either in part or in full, at any point during the loan tenure. Charges will apply as per the applicable Schedule of Charges.
Call us on:
- 18001035577 (Toll Free)
- 18604195555 or 18605005555 (Charges Applicable)
Online: https://axisbank.com/support
Loan Centres: https://www.axisbank.com/Loancenter
In line with the Terms & Conditions of the loan agreement, repo rate is adjusted once a
quarter on the 25th of the last month of the calendar quarter. Accordingly, the cumulative effect of all
changes to repo rate in a particular quarter (both increase or decrease) will be passed on the 25th of
the last month of the calendar quarter i.e., 25th Mar, 25th Jun, 25th Sep and 25th Dec.
As an example, if a repo rate change is announced on 07-02-2026 and another change is
announced on 02-03-2026, the cumulative effect to the repo will be passed on 25-03-2026.
Consequent to repo rate change by Reserve Bank of India (RBI), the current repo rate is
5.25%. If your loan is sanctioned at repo rate of 5.5%, it will decrease by 25 basis points on 25th Dec
or at the time of disbursement (whichever is later) and accordingly, the effective interest rate on your
loan shall be adjusted.
If your loan is sanctioned at repo rate of 5.25%, the interest rate applicable on your loan account shall
remain unchanged on 25th Dec.
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