Compare Loan Against Property rates in Vadodara, 2026.
Reviewed by Rushik Patel· Last reviewed:
Vadodara (Baroda) is emerging as a smart city with excellent connectivity via the Mumbai-Delhi Expressway and Vadodara-Ahmedabad Expressway. The Vasna-Bhayli Road corridor and Gotri area are seeing rapid residential development.
Published/indicative loan against property rate information for Vadodara, Gujarat 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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Vadodara Local Expertise
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Loan Against Property Rates in Vadodara — 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 Vadodara 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 Vadodara
General eligibility criteria for loan against property applicants in Vadodara, Gujarat.
Salaried Applicants
- Age: 21 – 65 years
- Min Income: Rs 25,000/month
- Work Experience: 2 years
- CIBIL Score: 700+
- Property in Vadodara 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 Vadodara
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 Vadodara 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 Vadodara
Keep these documents ready to speed up your loan against property application in Vadodara.
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 Vadodara — Frequently Asked Questions
Common questions about loan against property in Vadodara, Gujarat.
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Other Loan Products in Vadodara
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Areas listed for Loan Against Property in Vadodara
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