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Compare India Shelters vs Bajaj Home Finance Loan Against Property

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Interest Rate
Interest Rate
15.00% - 15.00%
9.00% - 11.00%
Processing Fees
Processing Fees
Upto 2.00%
Upto 1.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 4 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 60%
Upto 75%
Maximum Tenure
Maximum Tenure
10 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,613
₹ 900
Benchmark Rate
Benchmark Rate
Minimum Age
Minimum Age
21 Years
25 Years
Maximum Age
Maximum Age
65 Years
70 Years
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Loan Against Property EMI of India Shelters and Bajaj Home Finance

Loan Amount India Shelters Bajaj Home Finance
₹ 10 Lakh ₹ 16,134 ₹ 8,997
₹ 15 Lakh ₹ 24,200 ₹ 13,496
₹ 30 Lakh ₹ 48,400 ₹ 26,992
₹ 50 Lakh ₹ 80,667 ₹ 44,986

Which is a better bank for Loan Against Property – Bajaj Home Finance or India Shelters?

Bajaj Home Finance offers lower Loan Against Property EMI at ₹ 900 on a Loan Against Property for 20 Years as compared to India Shelters with a minimum EMI of ₹ 1,613 for 10 Years. Average customer ratings for Bajaj Home Finance is currently at 5/5.0 which makes it a good choice for taking a Loan Against Property.

How does Bajaj Home Finance Loan Against Property compare with India Shelters Loan Against Property?

It is important to do a detailed comparison of Bajaj Home Finance and India Shelters 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 Bajaj Home Finance Loan Against Property is 9.00%, which is lower than the lowest interest rate of India Shelters at 15.00% and hence, Bajaj Home Finance is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Bajaj Home Finance charges a lower processing fees of 1.00% of the loan amount vs India Shelters with a processing fees of 2.00% of loan amount.
  • Bajaj Home Finance offers Loan Against Property upto 75% of the property value while India Shelters offers mortgage loan upto 60% of property value. Hence, Bajaj Home Finance can be a better option if you are looking for a high value amount.
  • Bajaj Home Finance is a with its Loan Against Property rates benchmarked to PLR. On the other hand, India Shelters is a with its home loan rates benchmarked to PLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
  • Bajaj Home Finance has an average customer ratings of 5, while has an average customer rating of , based on which it is clear that Bajaj Home Finance 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 – Bajaj Home Finance or India Shelters?

As per the current rates, Bajaj Home Finance offers a lower interest rate of 9.00% on Loan Against Property when compared to India Shelters which offers a Loan Against Property at 15.00%.

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Loan Against Property News - Sep 2021
  • 2021-09-20 : PNB Introduces Festival Bonanza Offer
    Punjab National Bank (PNB) has introduced a festival bonanza offer under which they reduced home loan interest to 6.80%. Also, the lender has waived off processing fees and documentation charges on all retail loans like home loans, personal loans, car loans, gold loans, property loans. These charges are valid till December 31, 2021.
  • 2021-09-01 : Mortgage lending has increased GDP by 11%
    National Housing Bank has informed that mortgage lending in India has increased India’s Gross Domestic Product (GDP) by 11%, an economy worth Rs 27 trillion. 65% of the loans are provided by banks and the rest 35% by NBFCs.
  • 2021-08-24 : Cholamandalam increases loan against property rates
    Cholamandalam has increased the interest rate on the loan against property. The lender is charging an interest rate of 11%, earlier it was 10%. The processing fee has also been increased to 2% of the loan amount.
  • 2021-08-16 : Bank of Maharashtra emerge as a top performer
    Bank of Maharashtra has emerged as a top performer among public sector lenders in terms of loans and deposits. The bank has recorded 14.46 percent increase in gross advances at Rs 1,10,592 lakh crore in April-June period of 2021-22.
  • 2021-08-13 : HDFC Bank presents Festive Offer
    HDFC Bank is offering various offers on the occasion of the Onam festival in Kerela. It is offering benefits on a car loan, two-wheeler loan, home loan, business loans, gold Loan, Loan against Securities and Loan against the property. Also, HDFC debit cards and credit cardholders will also get cashback and discounts. This offer is valid till September 30, 2021.
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