Best Loan Against Property rates in Ludhiana, 2026.
Reviewed by Rushik Patel· Last reviewed: stale
Ludhiana, Punjab's largest city and the manufacturing capital of North India, has a robust real estate market driven by hosiery, auto-parts, and machine-tool industries. Pakhowal Road and Sarabha Nagar are the premier residential addresses.
Best loan against property rates in Ludhiana, Punjab start from 8.75% per annum in 2026, with loans up to Rs 10 crore and tenure up to 20 years across 40+ banks. Money Matrix Hub is a free DSA loan-advisory service.
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Compare loan against property rates from 15+ banks in Ludhiana starting 8.75% p.a.
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Loan Against Property Rates in Ludhiana — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Ludhiana.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.75% – 10.5%Lowest | Up to 65% LTV |
| Bajaj | 8.75% – 11%Lowest | Up to 70% LTV |
| BoB | 8.85% – 10.75% | Up to 65% LTV |
| PNB | 8.9% – 10.9% | Up to 60% LTV |
| Union | 8.9% – 11% | Up to 60% LTV |
| Canara | 8.95% – 11% | Up to 60% LTV |
| HDFC | 9% – 11% | Up to 70% LTV for residential |
| ICICI | 9% – 11.5% | Up to 65% LTV |
| LIC | 9% – 11.25% | Up to 60% LTV |
| Federal | 9% – 11.5% | Up to 65% LTV |
| Tata | 9% – 11.75% | Up to 65% LTV |
| Axis | 9.25% – 11.75% | Up to 60% LTV |
| Kotak | 9.25% – 12% | Up to 65% LTV |
| IDFC | 9.25% – 12% | Up to 65% LTV |
| Bandhan | 9.5% – 12% | Up to 60% LTV |
Updated April 2026: 15 banks offer loan against property in Ludhiana from 8.75% per annum. Actual rate depends on applicant profile, loan amount, and property location in Ludhiana.
Loan Against Property Eligibility in Ludhiana
General eligibility criteria for loan against property applicants in Ludhiana, Punjab.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Ludhiana or Punjab
Self-Employed Applicants
- Age: 21 – 70 years
- Min Income: Rs 3 Lakhs/year ITR
- Business Vintage: 3 years
- CIBIL Score: 680+
- Business registered in India
How to Get a Loan Against Property in Ludhiana — Step by Step
Our Ludhiana team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Loan Against Property needs in Ludhiana — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
Compare 40+ Bank Offers
We fetch live rates from all banks in Ludhiana and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
Choose Your Best Offer
Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Ludhiana. We explain every term in plain language.
Documentation & Filing
Our team in Ludhiana helps you compile the complete document set, fills out the application form, and submits it to the bank — saving you hours of branch visits.
Sanction & Disbursal
We follow up with the bank for swift processing. Expect sanction within 48 hours and disbursal within 7-10 working days in Ludhiana. We stay with you until the last rupee is credited.
Documents Required for Loan Against Property in Ludhiana
Keep these documents ready to speed up your loan against property application in Ludhiana.
For Salaried Applicants
- 1PAN Card & Aadhaar Card
- 2Last 6 months salary slips
- 3Last 2 years ITR / Form 16
- 4Last 6 months bank statements
- 5Property documents (Title deed, tax receipts, approved plan)
- 6Encumbrance certificate
- 7Passport-size photographs
For Self-Employed Applicants
- 1PAN Card & Aadhaar Card
- 2Last 3 years ITR with computation
- 3Last 3 years audited financials
- 4Last 12 months bank statements
- 5Property documents (Title deed, tax receipts)
- 6Encumbrance certificate (15 years)
- 7Business registration documents
Loan Against Property in Ludhiana — Frequently Asked Questions
Common questions about loan against property in Ludhiana, Punjab.
What are the current Loan Against Property rates in Ludhiana in 2026?
Which bank offers the lowest Loan Against Property rate in Ludhiana?
How much Loan Against Property can I get in Ludhiana?
What documents are needed for a Loan Against Property in Ludhiana?
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Other Loan Products in Ludhiana
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