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Loan Against Property Interest Rate (Oct 2026)
Make the most of your property’s value with a Loan Against Property, offering competitive interest rates to meet your financial needs. Whether it's for business expansion, education, or personal goals, leverage the value of your property for a cost-effective financing solution.
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. |
Floating rate Loans linked to the External benchmark rate are calculated as follows:
- The Benchmark Rate is the RBI Repo Rate (currently at 5.25%)
- The Bank charges an additional rate over the Benchmark Rate, called spread, to arrive at the final lending rate
- The lending rate for existing customers is reset once in three months or as decided by the Bank, whichever is earlier
- The bank reviews the benchmark rate and the applicable spread at the beginning of every month. These rates are applicable till the next review
APR Calculator
The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and loan origination charges.
₹
6K
15Cr
%
8% 26%
M
12M240M
₹
0
50L
Loan origination charges should not be more than loan amount.
APR
8.00%
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