Best Loan Against Property rates in Varanasi, 2026.
Reviewed by Rushik Patel· Last reviewed: stale
Varanasi (Kashi), India's spiritual capital, is seeing infrastructure-led real estate appreciation from the Kashi Vishwanath Corridor, Ring Road, and the Purvanchal Expressway. Lanka and Sigra near BHU draw the bulk of new homebuyers.
Best loan against property rates in Varanasi, Uttar Pradesh 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 Varanasi — Bank-wise Comparison
Updated April 2026. Showing 15 banks serving Varanasi.
| 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 Varanasi from 8.75% per annum. Actual rate depends on applicant profile, loan amount, and property location in Varanasi.
Loan Against Property Eligibility in Varanasi
General eligibility criteria for loan against property applicants in Varanasi, Uttar Pradesh.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Varanasi or Uttar Pradesh
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 Varanasi — Step by Step
Our Varanasi team handles the entire process from application to disbursal.
Share Your Requirements
Tell us your Loan Against Property needs in Varanasi — 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 Varanasi 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 Varanasi. We explain every term in plain language.
Documentation & Filing
Our team in Varanasi 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 Varanasi. We stay with you until the last rupee is credited.
Documents Required for Loan Against Property in Varanasi
Keep these documents ready to speed up your loan against property application in Varanasi.
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 Varanasi — Frequently Asked Questions
Common questions about loan against property in Varanasi, Uttar Pradesh.
What are the current Loan Against Property rates in Varanasi in 2026?
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How much Loan Against Property can I get in Varanasi?
What documents are needed for a Loan Against Property in Varanasi?
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