Loan against property rates today.

What 35 banks and NBFCs publish for loan against propertys, with a link to each lender's own rate page.

Checked 18 Oct 2026

RBI repo rate 5.50%decided 7 Oct 2026RBI ↗

L&T FinanceNBFC8.00–18.00%Updated 18 Oct 2026Rates ↗

Federal Bank8.45–10.25%Updated 16 Oct 2026Rates ↗

Central Bank of India8.90–12.50%Updated 8 Oct 2026Rates ↗

HDFC Bank8.95–10.25%Updated 18 Oct 2026Rates ↗

Bank of India9.10–11.35%Updated 7 Oct 2026Rates ↗

Canara Bank9.30–11.80%Updated 9 Oct 2026Rates ↗

Union Bank of India9.30–12.10%Updated 8 Oct 2026Rates ↗

South Indian Bankfrom 9.36%Updated 8 Oct 2026Rates ↗

Punjab National Bankfrom 9.40%Updated 1 Oct 2026Rates ↗

Punjab & Sind Bank9.40–13.40%Updated 8 Oct 2026Rates ↗

Poonawalla FincorpNBFCfrom 9.50%Checked 18 Oct 2026Rates ↗

Bank of Maharashtra9.95–10.95%Checked 18 Oct 2026Rates ↗

Bandhan Bank10.39–16.42%Checked 18 Oct 2026Rates ↗

Indian Overseas Bank10.40–11.00%Updated 8 Oct 2026Rates ↗

ICICI Bank10.85–12.50%Updated 8 Oct 2026Rates ↗

Hero FinCorpNBFC11.00–17.00%Checked 18 Oct 2026Rates ↗

Tata CapitalNBFCActually charged 7.40–20.00%Rates given Apr–Jun 2026Rates ↗

IndusInd BankActually charged 8.00–12.60%Rates given Jul–Sep 2026Rates ↗

RBL BankActually charged 8.00–16.49%Rates given Apr–Jun 2026Rates ↗

Yes BankActually charged 8.20–10.00%Rates given Apr–Jun 2026Rates ↗

LIC Housing FinanceNBFCActually charged 9.75–10.60%Rates given Apr–Jun 2026Rates ↗

Mahindra FinanceNBFCActually charged 9.75–14.00%Rates given Jul–Sep 2026Rates ↗

Bajaj FinanceNBFCPublished 7.50–14.25%May be out of dateRates ↗

IDBI BankPublished 8.80–11.00%May be out of dateRates ↗

Bajaj Housing FinanceNBFCPublished 8.85–12.00%May be out of dateRates ↗

Bank of BarodaPublished 8.90–11.50%May be out of dateRates ↗

Indian BankPublished 8.95–10.35%May be out of dateRates ↗

Axis BankPublished 9.15–10.25%May be out of dateRates ↗

Kotak Mahindra BankPublished 9.15–16.00%May be out of dateRates ↗

PNB Housing FinanceNBFCPublished 9.24–12.45%May be out of dateRates ↗

UCO BankPublished 9.50–11.50%May be out of dateRates ↗

Cholamandalam FinanceNBFCPublished 10.00–19.00%May be out of dateRates ↗

State Bank of IndiaNot publishedNot on the lender's websiteLender ↗

IDFC FIRST BankNot publishedNot on the lender's websiteLender ↗

Karur Vysya BankNot publishedNot on the lender's websiteLender ↗

Checked 18 Oct 2026 on each lender's own website. Lenders change rates often and we may not have updated ours yet; the lender's page is the final word. "Actually charged" means rates lenders gave borrowers in a recent quarter, which they must publish. Your rate depends on your profile, CIBIL score and loan.

Home loan rates Personal loan rates Car loan rates

Paying more than this?

Ask these lenders for a lower rate on the loan you already have. Free, from your own email.

Questions.

What is the lowest loan against property rate today?

Among the lenders we track, the lowest current published starting rate is 8.00% (checked 18 Oct 2026). Starting rates usually need a high CIBIL score and a strong profile; your offer may be higher.

Why is my rate higher than the published rate?

Lenders price by CIBIL score, income, loan size and type of borrower, and older loans may sit on MCLR or base rate. You can ask your lender to cut your rate or compare offers from other lenders.

How do I get a lower rate on my existing loan?

Ask your own lender in writing, and ask a few other lenders for a balance transfer offer. LowerMyEMI writes these emails for you for free; you send them from your own email.

Guides.

How to reduce your loan against property (LAP) interest ratePaying too much on your loan against property? How to ask for a cut, move from MCLR to EBLR, when switching pays, and RBI rules on LAP foreclosure charges.Home loan foreclosure and prepayment charges: what RBI allows from 1 January 2026Can your bank charge a penalty for closing your loan early? RBI's 2026 prepayment rules explained: floating vs fixed, individuals, MSEs, and what to do.Stuck on MCLR or base rate? How to move your home loan to a repo-linked rateHome loan stuck on MCLR or base rate? How to move to a repo-linked (EBLR) rate, what RBI rules say on the conversion fee, a worked example and what to ask.