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Compare Indian Overseas Bank vs Bajaj Home Finance Loan Against Property

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Interest Rate
Interest Rate
9.65% - 9.65%
8.10% - 18.00%
Processing Fees
Processing Fees
Upto 0.62%
Min ₹ 890; Max ₹ 8,900
Upto 0.10%
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 4 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 50%
Upto 75%
Maximum Tenure
Maximum Tenure
7 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,642
₹ 843
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 Indian Overseas Bank and Bajaj Home Finance

Loan Amount Indian Overseas Bank Bajaj Home Finance
₹ 10 Lakh ₹ 16,421 ₹ 8,427
₹ 15 Lakh ₹ 24,631 ₹ 12,640
₹ 30 Lakh ₹ 49,263 ₹ 25,280
₹ 50 Lakh ₹ 82,105 ₹ 42,134

Which is a better bank for Loan Against Property – Bajaj Home Finance or Indian Overseas Bank?

Bajaj Home Finance offers lower Loan Against Property EMI at ₹ 843 on a Loan Against Property for 20 Years as compared to Indian Overseas Bank with a minimum EMI of ₹ 1,642 for 7 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 Indian Overseas Bank Loan Against Property?

It is important to do a detailed comparison of Bajaj Home Finance and Indian Overseas 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 Bajaj Home Finance Loan Against Property is 8.10%, which is lower than the lowest interest rate of Indian Overseas Bank at 9.65% 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 0.10% of the loan amount vs Indian Overseas Bank with a processing fees of 0.62% of loan amount.
  • Indian Overseas Bank offers Loan Against Property upto 75% of the property value while Bajaj Home Finance offers mortgage loan upto 50% of property value. Hence, Indian Overseas Bank can be a better option if you are looking for a high value amount.
  • Indian Overseas Bank is a with its Loan Against Property rates benchmarked to RLLR. Bajaj Home Finance is a with its home loan rates benchmarked to PLR.
  • 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 Indian Overseas Bank?

As per the current rates, Bajaj Home Finance offers a lower interest rate of 8.10% on Loan Against Property when compared to Indian Overseas Bank which offers a Loan Against Property at 9.65%.

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