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Compare Axis Bank vs Citibank Loan Against Property

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Interest Rate
Interest Rate
9.40% - 9.50%
7.95% - 8.15%
Processing Fees
Processing Fees
Upto 1.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 7 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 60%
Upto 70%
Maximum Tenure
Maximum Tenure
15 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,038
₹ 953
Benchmark Rate
Benchmark Rate
Minimum Age
Minimum Age
24 Years
23 Years
Maximum Age
Maximum Age
65 Years
65 Years
Overdraft Facility
Overdraft Facility
Y - Overdraft Against Property
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Loan Against Property EMI of Axis Bank and Citibank

Loan Amount Axis Bank Citibank
₹ 10 Lakh ₹ 10,382 ₹ 9,528
₹ 15 Lakh ₹ 15,573 ₹ 14,292
₹ 30 Lakh ₹ 31,146 ₹ 28,583
₹ 50 Lakh ₹ 51,910 ₹ 47,638

Which is a better bank for Loan Against Property – Citibank or Axis Bank?

Citibank offers lower Loan Against Property EMI at ₹ 953 on a Loan Against Property for 15 Years as compared to Axis Bank with a minimum EMI of ₹ 1,038 for 15 Years. Average customer ratings for Citibank is currently at 4.4/5.0 which makes it a good choice for taking a Loan Against Property.

How does Citibank Loan Against Property compare with Axis Bank Loan Against Property?

It is important to do a detailed comparison of Citibank and Axis Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of Citibank Loan Against Property is 7.95%, which is lower than the lowest interest rate of Axis Bank at 9.40% and hence, Citibank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Citibank charges a lower processing fees of Nil vs Axis Bank with a processing fees of 1.00% of loan amount.
  • Citibank offers Loan Against Property upto 70% of the property value while Axis Bank offers mortgage loan upto 60% of property value. Hence, Citibank can be a better option if you are looking for a high value amount.
  • Citibank is a with its Loan Against Property rates benchmarked to TBLR. Axis Bank is a with its home loan rates benchmarked to RLLR.
  • Axis Bank has an average customer ratings of 4.6, while Citibank has an average customer rating of 4.4, based on which it is clear that Axis Bank has a high customer service focus, an easy Loan Against Property process and a quick turnaround.
  • One unique feature of Axis Bank is its overdraft facility which allows borrowers to minimize their interest outgo by paying interest only on the loan amount utilized. This scheme makes it an apt choice for self-employed and businessmen with fluctuating fund requirements.

Which bank offers a lower interest rate on Loan Against Property – Citibank or Axis Bank?

As per the current rates, Citibank offers a lower interest rate of 7.95% on Loan Against Property when compared to Axis Bank which offers a Loan Against Property at 9.40%.

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