Compare Loan Against Property rates in Surat, 2026.
Reviewed by Rushik Patel· Last reviewed:
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.
Published loan against property rate information for Surat, Gujarat 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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Review the available rate information for Surat; lender pricing and eligibility vary by applicant and property.
Published/Indicative Rates
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Areas in Surat
Localities in our Surat reference data include Vesu, Adajan, Piplod, Pal.
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Lender Processing Timeline
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Loan Against Property Rates in Surat — 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 Surat 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 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 a Loan Against Property application may progress in Surat
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 Surat 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 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.
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Other Loan Products in Surat
Explore more loan options available in Surat through Money Matrix Hub.
Areas listed for Loan Against Property in Surat
Localities included in the Surat reference data.
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