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Axis Bank Loan Against Property

If you’re looking for funding and have a commercial or residential property which you can offer as collateral, then Axis Bank’s Loan against Property is just what you need. Axis Bank provides maximum loan amount up to Rs. 50 Crores on the minimum documentation with easy and hassle-free services. You can avail loan against residential or commercial properties at the best rate of interest with Processing fees 1% or Rs 10,000 (whichever is higher). 

Avail loan against residential or commercial property, that you can offer as collateral, at attractive rates of interest. Axis Bank also provides overdraft facility is designed to cater to the need of the business community for meeting their short term working capital requirements. An overdraft can be in the form of a fixed or variable rate. We provide Loan Against Property for salaried employees, self-employed individuals and self-employed professionals. Fulfil the required eligibility criteria based on your profession and age to avail the loan.

Online Apply for Loan Against Property from Axis Bank when you require funds to meet crucial expenses such as business extension, for new appliance purchase,  children’s education, wedding and medical emergency. The fees and charges levied by Axis Bank for Loan Against Property are fully transparent and upfront.

  Salaried Self Employed Professional
Age 24 To 60 Years 24 To 60 Years 24 To 60 Years
Loan Amount 5 Lakh To 25 Crore 5 Lakh To 50 Crore 5 Lakh To 50 Crore
Tenure  5 To 15 Years 5 To 15 Years 5 To 15 Years
Rate of Interest / APR [Annual Percentage Rate] 10.10% To 10.50% 10.10% To 10.50% 10.10% To 10.50%
Features No Charges on Minimum Usage on DOD No Charges on Minimum Usage on DOD No Charges on Minimum Usage on DOD
Processing Fees 0.50% To 0.75% 0.50% To 0.75% 0.50% To 0.75%
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

Salaried Individuals

  • Any individual who is in permanent service in the government or a reputed company.
  • The applicant should be above 24 years of age at the time of loan commencement and up to the age of superannuation

Self-Employed Individuals

  • Funding up to 130 % of Income and property Value
  • The applicant should be above 24 years of age at the time of loan commencement and up to 65 years at the time of maturity.
  • Loan can be done as per Avrage Bank balance * 1.25% 
  • Leas rental base 
  • Gst return Base
  • Turnover base
  • Age limit up to 70 year 

Self Employed Professionals

  • Professionals (i.e., doctors, engineers, dentists, architects, chartered accountants, cost accountants, company secretary, and management consultants only) can apply.
  • The applicant should be above 24 years of age at the time of loan commencement and up to 65 years or less at the time of loan maturity.
  • Yearly Receipt  Base Eligibitliy 
Particulars Salaried Self Employed Professional
Age(Min-Max) 24 To 60 Years 24 To 60 Years 24 To 60 Years
Minimum Income Min. 3,00,000/ p.a Min. 3,00,000/ p.a Net Profit Min. 3,00,000/ p.a Net Profit
Co-applicant no conditions no conditions no conditions
Loan Tenure Max. 15 Years Max. 15 Years Max. 15 Years
Maximum Loan Amount Max. 25 Crores Max. 50 Crores Max. 50 Crores
Employment/Business Continuity Min. 3 Years Min. 2 Years Min. 2 Years
CIBIL Score Min. 600 Min. 600 Min. 600

Proof of Identity/ Address: 

  • Passport
  • PAN Card
  • Aadhaar Card
  • Driving License
  • Voter ID
  • GOI issued Photo ID
  • Govt Employee ID
  • Gas / Telephone Bill
  • Property Tax Receipt

Proof of Income:

  • Latest 3 Months Salary Slips for salaried individuals
  • Form 16 (or Employment continuity proof)
  • Last 2 Years Computation of Income, P&L, Balance sheet with CA seal and sign
  • Business continuity proof: Minimum 3 Years

Property documents

Own contribution proof

Sanction letter

Fee Amount to be Paid
Rate of Interest 10.10% To 10.50%
Loan Processing Charges 0.50% To 0.75%
Cheque Bounce Charges Rs. 500 Per Instance
Cheque/ Instrument Swap charges Rs. 500 Per Instance
Prepayment/ Foreclosure Charges If any of the borrower is a non individual - 3% will be charged, if the amount pre-paid exceeds 25% of the principal outstanding during a quarter, otherwise no prepayment penalty. The quarter refers to calendar quarter. However no prepayment will be allowed in the first quarter after taking the loan. If all borrowers are individuals - Nil
Default Interest Rate NA
Duplicate Statement Issuance Charges Rs. 250 Per Instance
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate Rs. 500/- Per Instance
S(Provisional/ Actual) issuance Charges NA

Features of Axis Bank Loan against Property

  • The loan comes at an attractive rate of interest
  • Available for both residential and commercial properties
  • Loans granted for purchase of commercial property under the scheme
  • Take-over of existing loans along with the option of refinancing
  • Flexible tenure period
  • Lease rental discounting available
  • Offers edge loyalty points on the loan
  • Minimal documentation
  • Doorstep service
  • Easy and hassle free application process

Advantage of Axis Bank Loan Against Property

Axis Bank’s Loan Against Property provides you with funding if you can offer a commercial or residential property as collateral. Get easy and hassle-free Loan Against Property for loan amounts starting from Rs. 5 Lakhs. Avail a loan against residential or commercial properties at attractive rates of interest and earn eDGE Loyalty Reward points.

Benefits of Axis Bank

  • Loan Amount: Minimum: Rs. 5 Lakhs Maximum: Rs. 50 Crores
  • Interest Rate Applicable: Floating
  • Maximum Tenure: 15 Years

Lease Rental Discounting

  • Loan Amount: Minimum: Rs. 5 Lakhs Maximum: Rs. 5 Crores
  • Interest Rate Applicable: Floating
  • Maximum Tenure: 9 Years, subject to the balance lease term
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Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


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    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

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