Compare Loan Against Property rates in Patna, 2026.
Reviewed by Rushik Patel· Last reviewed:
Patna, Bihar's capital, is seeing a real estate boom fuelled by improved road connectivity, the Patna Metro project, and government investment in infrastructure. Bailey Road and Boring Road remain the premium residential corridors.
Published/indicative loan against property rate information for Patna, Bihar starts from 8.75% per annum in 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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Patna Local Expertise
Our advisors know Patna's top areas: Boring Road, Bailey Road, Kankarbagh, Patliputra Colony and more.
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Loan Against Property Rates in Patna — Published/Indicative Comparison
Updated April 2026. Figures are published/indicative and may change; verify current lender terms.
| Bank | Rate (p.a.) | Key Feature |
|---|---|---|
| SBI | 8.75% – 10.5%Lowest shown | Up to 65% LTV |
| Bajaj | 8.75% – 11%Lowest shown | 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: published/indicative loan against property rate entries for Patna are shown from 8.75% per annum. Actual rate, eligibility and approval depend on lender policy, applicant profile, loan amount and property location.
Loan Against Property Eligibility in Patna
General eligibility criteria for loan against property applicants in Patna, Bihar.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Patna or Bihar
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 Patna
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 Patna 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 Patna
Keep these documents ready to speed up your loan against property application in Patna.
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 Patna — Frequently Asked Questions
Common questions about loan against property in Patna, Bihar.
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