Compare Loan Against Property rates in Bhubaneswar, 2026.
Reviewed by Rushik Patel· Last reviewed:
Bhubaneswar, Odisha's smart city, has emerged as East India's IT and education hub anchored by Infocity, KIIT, and AIIMS. Patia and Chandrasekharpur are the most active residential corridors for IT professionals.
Published loan against property rate information for Bhubaneswar, Odisha starts from 8.5% per annum (rates as of September 2026). Loan amount, tenure, eligibility, pricing and approval depend on lender policy and applicant details.
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Published/Indicative Rates
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Areas in Bhubaneswar
Localities in our Bhubaneswar reference data include Patia, Chandrasekharpur, Khandagiri, Jaydev Vihar.
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Lender Processing Timeline
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Loan Against Property Rates in Bhubaneswar — Published/Indicative Comparison
Rates as of September 2026. Figures are published or indicative and can change; confirm current terms with the lender.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| Bajaj | 8.5% – 15%Lowest shown | Up to 70% LTV |
| SBI | 8.75% – 10.5% | Up to 65% LTV |
| ICICI | 8.75% – 11.5% | Up to 65% 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 |
| 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 |
| IDFC | 9.25% – 12% | Up to 65% LTV |
| Kotak | 9.5% – 12% | Up to 65% LTV |
| Bandhan | 9.5% – 12% | Up to 60% LTV |
Updated September 2026: published loan against property rate entries for Bhubaneswar are shown from 8.5% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Loan Against Property Eligibility in Bhubaneswar
General eligibility criteria for loan against property applicants in Bhubaneswar, Odisha.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Bhubaneswar or Odisha
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 a Loan Against Property application may progress in Bhubaneswar
Typical steps run from application to disbursal; lender approval and disbursal decisions remain with the lender.
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Documentation & Filing
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Lender Sanction & Disbursal
Sanction and disbursal timing in Bhubaneswar are controlled by the lender and may vary with underwriting, property checks, and documentation. Confirm current lender timelines and disbursal conditions.
Documents Required for Loan Against Property in Bhubaneswar
Keep these documents ready to speed up your loan against property application in Bhubaneswar.
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 Bhubaneswar — Frequently Asked Questions
Common questions about loan against property in Bhubaneswar, Odisha.
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Other Loan Products in Bhubaneswar
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Areas listed for Loan Against Property in Bhubaneswar
Localities included in the Bhubaneswar reference data.
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