Best Loan Against Property rates in Surat, 2026.
Reviewed by Rushik Patel· Last reviewed: stale
Surat, India's diamond and textile capital, has one of the fastest-growing real estate markets in Gujarat. Vesu, Pal-Adajan, and the Dumas Road corridor offer premium residential options, while affordable housing thrives in Dindoli and Varachha.
Best loan against property rates in Surat, Gujarat 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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Loan Against Property Rates in Surat — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Surat.
| 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 Surat from 8.75% per annum. Actual rate depends on applicant profile, loan amount, and property location in Surat.
Loan Against Property Eligibility in Surat
General eligibility criteria for loan against property applicants in Surat, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Surat or Gujarat
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 Surat — Step by Step
Our Surat team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Loan Against Property needs in Surat — 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 Surat 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 Surat. We explain every term in plain language.
Documentation & Filing
Our team in Surat 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 Surat. We stay with you until the last rupee is credited.
Documents Required for Loan Against Property in Surat
Keep these documents ready to speed up your loan against property application in Surat.
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 Surat — Frequently Asked Questions
Common questions about loan against property in Surat, Gujarat.
What are the current Loan Against Property rates in Surat in 2026?
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Explore more loan options available in Surat through Money Matrix Hub.
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