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Compare Citibank vs IndusInd Bank Loan Against Property

Download Comparison
Bank
Interest Rate
Interest Rate
7.75% - 8.10%
7.00% - 12.75%
Processing Fees
Processing Fees
NIL
Upto 2.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 70%
Upto 65%
Maximum Tenure
Maximum Tenure
15 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 941
₹ 899
Benchmark Rate
Benchmark Rate
TBLR
RLLR
Minimum Age
Minimum Age
23 Years
21 Years
Maximum Age
Maximum Age
65 Years
60 Years
Overdraft Facility
Overdraft Facility
N
N
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
4.4/5.0
3.3/5.0
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Compare Loan Against Property EMI of Citibank and IndusInd Bank

Loan Amount Citibank IndusInd Bank
₹ 10 Lakh ₹ 9,413 ₹ 8,988
₹ 15 Lakh ₹ 14,119 ₹ 13,482
₹ 30 Lakh ₹ 28,238 ₹ 26,965
₹ 50 Lakh ₹ 47,064 ₹ 44,941

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

IndusInd Bank offers lower Loan Against Property EMI at ₹ 899 on a Loan Against Property for 15 Years as compared to Citibank with a minimum EMI of ₹ 941 for 15 Years. Average customer ratings for IndusInd Bank is currently at 3.3/5.0 which makes it a good choice for taking a Loan Against Property.

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

It is important to do a detailed comparison of IndusInd Bank and Citibank 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 IndusInd Bank Loan Against Property is 7.00%, which is lower than the lowest interest rate of Citibank at 7.75% and hence, IndusInd Bank 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 IndusInd Bank with a processing fees of 2.00% of loan amount.
  • Citibank offers Loan Against Property upto 70% of the property value while IndusInd Bank offers mortgage loan upto 65% 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. IndusInd Bank is a with its home loan rates benchmarked to RLLR.
  • Citibank has an average customer ratings of 4.4, while IndusInd Bank has an average customer rating of 3.3, based on which it is clear that Citibank has a high customer service focus, an easy Loan Against Property process and a quick turnaround.

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

As per the current rates, IndusInd Bank offers a lower interest rate of 7.00% on Loan Against Property when compared to Citibank which offers a Loan Against Property at 7.75%.

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