Aditya Birla Housing Finance Loan Against Property

Aditya Birla Loan Against Property Highlights
Interest rate	8.60% p.a. onwards
Loan Amount	LAP- Up to Rs 75 crore Lease Rental Discounting- Rs 50 lakh onwards
LTV Ratio	Commercial property: Up to 60% of the property value
	Residential property: Up to 70% of the property value
Repayment tenure	Up to 20 years

Note: Interest rates as of 25 August 2025

Aditya Birla Capital Loan Against property Interest Rates

Aditya Birla loan against property interest rates start from 8.60% p.a. onwards.

Loan Against Property

Applicant Type	Interest Rate (p.a.)
Salaried/Self-employed professionals	8.95% onwards
Self-employed non-professionals	9.20% onwards

Lease Rental Discounting

Applicant Type	Interest Rate (p.a.)
Salaried/Self-employed professionals	–
Self-employed non-professionals	8.60% onwards

Compare Interest Rates on Loan Against Property for Top Banks & HFCs

Name of the Lender	Interest Rate (% p.a.)
State Bank of India	9.20-10.50	Apply Now
Bank of Baroda	10.85-18.35	Apply Now
PNB Housing Finance	9.25-15.00	Apply Now
IDFC First Bank	9.00-16.50	Apply Now
HDFC Bank Limited	9.50-11.00	Apply Now
L&T Housing Finance	9.50 onwards	Apply Now
LIC Housing Finance	9.50-11.55	Apply Now
Godrej Housing Finance	9.75 onwards	Apply Now
ICICI Bank	10.85-12.50	Apply Now
Tata Capital	9.00 onwards	Apply Now
Axis Bank	10.50-10.95	Apply Now
Punjab National Bank	10.15-14.00	Apply Now

Types of Aditya Birla Capital Loan Against Property

Aditya Birla Capital Loan Against Property

Purpose: Individuals can avail Aditya Birla Capital Loan Against property to meet their personal requirements such as medical or marriage, as well as professional requirements such as expansion of business operations.

Loan Amount: Up to Rs 75 crore

LTV Ratio:

Commercial Property	Up to 60% of property value
Residential Property	Up to 70% of residential value

 Tenure: Up to 15 years

Collateral: Residential, Industrial, Commercial and Warehouse property

Aditya Birla Capital Lease Rental Discounting

Purpose: Property owners who have leased their owned properties to receive rent can avail Lease Rental Discounting from Aditya Birla Capital to meet their personal or business requirements.
Loan Amount: Rs 50 lakh onwards

Tenure: Up to 15 years

Collateral: Residential, warehouse and commercial property under lease

Fees and Charges of Aditya Birla Capital Loan Against Property

Foreclosure/Part prepayment charges

Foreclosure charges	Lock in period is 24 months (No foreclosure allowed)
	For individuals: NIL
	For others: 4% of the principal outstanding amount
Part prepayment charges	For individuals: NIL
	For others: 4% of the part prepayment in access of 25% in given financial year

Other fees and charges

Default penal interest rate	24% p.a.
Cheque Return Charges/ECS/SI/NACH failure charges	Rs 1,000 per instance
Cancellation charges	4% of the loan amount sanctioned
Closure charges for OD/LOC (Standard charges)	4% of prevailing limit at the time of closure
Request for document copies	Rs 2,500 per instance
Duplicate Statement/ Repayment Schedule / FC statement / any other document held with ABFL request	FC statement: Rs 1,500 per instance
	RTR: Rs 1,000 per instance
	Other statements: Rs 200 per instance
Loan reschedulement	2% of the prevailing loan outstanding
NOC issuance charges per instance	Rs 1,000
Swap/Conversion charges	Rs 1,000
Property swap charges	3% of the prevailing outstanding loan
Stamp duty	As per actuals
Legal and other statutory charges	As per actuals
Insurance premium	As per actuals
Creation charges with ROC	As per actuals

Aditya Birla Capital Loan Against Property Eligibility Criteria

Aditya Birla Capital has not disclosed the eligibility criteria for its Loan Against Property applicants.  However, the lender may consider the age, job profile, minimum monthly income and credit score of its applicants while setting its Loan Against Property eligibility, just like many lenders do.

Aditya Birla Capital Loan Against Property Documents Required

Aditya Birla Capital has not disclosed the documents required for availing the loan. However the common documents for loan against property required by most lenders are as follows:

• Passport size photographs
• Identity proof: Adhaar card/Voter ID CARD/Passport/ Driving License
• Address proof: Voter ID/Driving License/Passport/Electricity bill/Telephone bill
• Additional documents for salaried: Last 2 years Income tax returns, 3 months salary slips and 6 months bank statements
• Additional documents for self-employed: Proof of business continuity, last year’s bank statements and statement of profit & loss account
• Property documents