Recent Search and Popular Product
Business Loan
Personal Loan
Home Loan
Education Loan
Car Loan
Credit Card
Loan Against Security
Loan Against Property
Explore Your Options
IDFC Bank Loan against Property
Get IDFC Bank Loan Against Property with zero login fees and no financial documents required for loans up to ₹3 Cr. Enjoy competitive interest rates starting at 9% and loan amounts up to ₹20 Cr. Perfect for residential, commercial, and industrial property funding. Quick approval and disbursement process within 5 days!"Powered By
IDFC Bank Loan against Property
Apply Now
Here are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 670+ |
| Applicant | Any Salaried & Self Employed |
| Applicant Age | (i) Salaried: 21 year to 65 Year (ii) Self Employed: 21 Year to 70 Year |
| Loan Amount & Tenure | (i)
Term Loan 50 Lac- 15 Cr ( 5 Year to 15 Year) (ii) Lease Rental Discounting-Upto 20 Cr |
| Login Fees | Nil |
| Rate of Interest & Type | 9%-11% (Reducing) |
| TAT | 5 days |
| Processing Fees | 0.5%-1% |
| Foreclosure Charges | (i) If MSME Registration-Nil (ii) Other-Upto 4% |
| Insurance | As per Age |
| Minimum Business Vintage | 3 Year |
| Lock In Period | 12 month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-75% (ii) Commercial-70% (iii) Industrial-70% (iv) Plot-60% (v)
Hotel & Restaurent-50% (vi) if residential property is rented/vacant then LTV will be 5% lower (vii) If Commercial/Industrial Property Puchase/vacant/rented then LTV will be 5% lower (viii) Nursing Home (25 Bed+) 50% (ix) School (100+Students)-50% |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Lease Rental Discounting |
| Program | (i)
Banking Program-5 Cr (ii) GST Product-3 Cr (iii) Income Program-15 CR (iv) Lease Rental Discounting-20 Cr |
| FOIR | (i) Salaried:<50k-60%,50K-1 Lac-65%, >1 lac-70% (ii) Self Employed-150% of Cash Profit |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politian (ii) Share Traders (iii) NBFC (iv) Police(v) Liquor Seller (vi)DSA (vii) Applicant living in dominated area (viii) Real Estate |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property (iv)
Mall & Commercial Complex Property (v) Plot (vi) Primary School & School (vii)Nursing Home viii) Hotel & Restaurant (viii) Godown & warehouse |
| Negative Property | (i)
Lease hold Property without PTM (ii)Stand Alone Basement (iii) Auction
Property (iv) Demolition List Property (v) Lal Dora Property (vi) PG Property (vii) Khasra & Khatauni Property (viii) Subject to Sale Deed Property (ix) GPA Property (x) Gift Deed Property (xi) Single Sale Deed Property (xii)Without MAP Property (xiii) Unapproved Freehold Property (xiv) Legal & technical not clear(xv) Stone Slab Property (xvi) Unapproved Farm House (xvii) Multi Tenanted Unit |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | Only School Property-5 Cr, Other Property 10 Cr |
| Any Specific Product for Professionals | No |
| USP | (i) Upto 3 Cr No financial Required (ii) Zero Login Fees |
Required Documents for IDFC BANK LOAN AGAINST PROPERTY
Salaried Income Documents
-
KYC of applicant & Co-Applicant
-
Last 3 Month Salary Slip of Applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 2 Year Form 16 of applicant
-
26AS of last 2 years of applicant & co-applicant.
-
Appointment letter of applicant if available
-
Agreement to Sale if purchase case
-
Property Paper with complete chain of last 13 years
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case.
-
Sanction letter of all running loans.
-
Latest utility Bill if owned residence or rent agreement if rented.
-
2 Reference with contact details.
Self-employed Income Documents
-
KYC of applicant & Co-Applicant
-
Last 3 year ITR with computation of income of applicant & co-applicant
-
Last 3 year audited balance sheet of applicant
-
Last 3 year Tax audit report of applicant
-
Last 12 month Bank Statement of applicant & co-applicant
-
26AS of last 2 years of applicant & co-applicant.
-
Copy of GST registration ,Copy of MSME registration ,Copy of Last 12 month GST return
-
Agreement to Sale if purchase case
-
Property Paper with complete chain of last 13 years
-
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
-
Sanction letter of all running loans.
-
Debt Sheet
-
Latest utility Bill of residence if owned or rent agreement if rented.
-
2 Reference with contact details
-
Last 3 year Debtors & Creditors on letterhead
-
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
About IDFC Bank Loan Against Property
A helping hand assures us that there is always a way out whenever we are caught between life challenges. A loan, like a buddy who supports us through a difficult time financially, is something that IDFC First Bank offers.
IDFC Bank is one of the top lenders in the Indian market currently. IDFC First Bank guarantees that its borrower receives whatever they want. The financial organization offers speedy fund disbursement with a seamless loan application process. Loans with reasonable interest rates are available to both independent and salaried workers without breaking the bank.
IDFC Bank Customer Support
Email - [email protected].
Eligibility Criteria
Any salaried or self-employed person can apply for this loan.
The salaried individual’s age should be between 21-65 years.
The self-employed individual’s age should be within 21-70 years.
The applicant should maintain a 670+ CIBIL Score.
FREQUENTLY ASKED QUESTIONS
Yes, IDFC provides a loan to a plot owner. However, for further details about the conditions, you must speak with an IDFC bank professional
Loan-to-value, or LTV, is a term frequently used in secured loans, including loans backed by properties. It is applied in determining and evaluating the value of the pledged asset and the estimated worth of the property.
Based on the applicant's profile and the property being secured, IDFC Bank presents fixed rates of interest on loans secured by property.
Yes, before approving a loan, IDFC Bank verifies the borrower's CIBIL score. For the bank, a score of 670 or more is deemed satisfactory.
IDFC Bank asks for several KYC documents, including verification of age, address, and identification.
Copyright 2025 © upniva.com
