Best Loan Against Property rates in Bhavnagar, 2026.
Reviewed by Rushik Patel· Last reviewed: stale
Bhavnagar, the cultural capital of Saurashtra, is gaining real estate momentum from the Bhavnagar Port and the upcoming CNG terminal. Waghawadi Road and Subhash Nagar are the prestigious residential addresses for the diamond and shipping industries.
Best loan against property rates in Bhavnagar, 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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Compare loan against property rates from 15+ banks in Bhavnagar starting 8.75% p.a.
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Loan Against Property Rates in Bhavnagar — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Bhavnagar.
| 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 Bhavnagar from 8.75% per annum. Actual rate depends on applicant profile, loan amount, and property location in Bhavnagar.
Loan Against Property Eligibility in Bhavnagar
General eligibility criteria for loan against property applicants in Bhavnagar, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Bhavnagar 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 Bhavnagar — Step by Step
Our Bhavnagar team handles the entire process from application to disbursal.
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Tell us your Loan Against Property needs in Bhavnagar — amount, tenure preference, and property details. Our advisor will evaluate your profile within 30 minutes.
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We fetch live rates from all banks in Bhavnagar and present you a side-by-side comparison showing rate, EMI, processing fee, and total interest payable.
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Pick the bank that suits you best based on rate, tenure flexibility, and service quality in Bhavnagar. We explain every term in plain language.
Documentation & Filing
Our team in Bhavnagar 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 Bhavnagar. We stay with you until the last rupee is credited.
Documents Required for Loan Against Property in Bhavnagar
Keep these documents ready to speed up your loan against property application in Bhavnagar.
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 Bhavnagar — Frequently Asked Questions
Common questions about loan against property in Bhavnagar, Gujarat.
What are the current Loan Against Property rates in Bhavnagar in 2026?
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