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Compare Loan Against Property - IndusInd Bank vs Bajaj Home Finance

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Interest Rate
Interest Rate
9.50% - 13.50%
9.00% - 10.00%
Processing Fees
Processing Fees
Upto 2.00%
Upto 1.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 5 Cr
₹ 4 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 65%
Upto 75%
Maximum Tenure
Maximum Tenure
15 Years
20 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,044
₹ 900
Benchmark Rate
Benchmark Rate
Minimum Age
Minimum Age
21 Years
25 Years
Maximum Age
Maximum Age
60 Years
70 Years
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare EMI of IndusInd Bank and Bajaj Home Finance Loan Against Property

Loan Amount IndusInd Bank Bajaj Home Finance
₹ 10 Lakh ₹ 10,442 ₹ 8,997
₹ 15 Lakh ₹ 15,663 ₹ 13,496
₹ 30 Lakh ₹ 31,327 ₹ 26,992
₹ 50 Lakh ₹ 52,211 ₹ 44,986

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

Bajaj Home Finance offers lower Loan Against Property EMI at ₹ 900 on a Loan Against Property for 20 Years as compared to IndusInd Bank with a minimum EMI of ₹ 1,044 for 15 Years. Average customer ratings for Bajaj Home Finance is currently at 3.3/5.0 which makes it a good choice for taking a Loan Against Property.

How does Bajaj Home Finance Loan Against Property compare with IndusInd Bank Loan Against Property?

It is important to do a detailed comparison of Bajaj Home Finance and Loan Against Property on all loan terms and conditions to understand their differences and take an informed decision. Keep in mind that each bank’s scheme has its own 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 IndusInd Bank at 9.50% 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 IndusInd Bank with a processing fees of 2.00% of loan amount.
  • IndusInd Bank offers Loan Against Property upto 75% of the property value while Bajaj Home Finance offers mortgage loan upto 65% of property value. Hence, IndusInd Bank can be a better option if you are looking for a high value amount.
  • IndusInd Bank is a Private Bank with its Loan Against Property rates benchmarked to RLLR. Bajaj Home Finance is a HFC with its home loan rates benchmarked to PLR.
  • Bajaj Home Finance with an average customer ratings of 3.3 is equally comparable to IndusInd Bank with an average customer rating of 3.3, and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers lower interest rate on Loan Against Property – Bajaj Home Finance or IndusInd Bank?

As per the current rates, Bajaj Home Finance offers a lower interest rate of 9.00% on Loan Against Property when compared to IndusInd Bank which offers a Loan Against Property at 9.50%.

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Loan Against Property News - Jun 2021
  • 2021-06-16 : Ujjivan Small Finance Bank collaborates with MoEngage
    Ujjivan Small Finance Bank has collaborated with customer engagement platform MoEngage to provide digital banking services in remote areas of the country. The aim is to build a wide presence of the bank with customers in the unserved regions through digital services.
  • 2021-06-15 : Indian Overseas Bank declared a profit of Rs 831 crore
    IOB closed the last fiscal with a net profit of Rs.831 crore as against a net loss of about Rs.8,527 crore. The total income for the year ended 31.03.2021 stands at Rs.22,525 crore as against Rs.20,766 crore for FY20. IOB plans to come up with Prompt Corrective Action to focus on loan recovery, low-cost deposits and less capital consuming advances.
  • 2021-06-14 : IDFC First Bank’s helping hand for the covid-affected families of employees
    To help the families of employees who lost their lives due to covid, IDFC First Bank is offering compensation of upto 4 times of the CTC along with a salary of two years. Along with that, the bank is also wavering the loans of such employees to reduce the burden on the employees’ family.
  • 2021-06-10 : Rural Loan Collections to be affected by the Second wave
    As the borrowers are continuously facing the issues created by the pandemic, India Ratings - a rating agency reported that the collections of Rural Loan which includes Home Loan, Loan Against Property, Business Loan, Personal Loan, etc. will be vastly affected because of the second wave of Covid-19.
  • 2021-06-10 : Edelweiss to become co-lending partners with Central Bank of India
    Edelweiss Retail Finance Ltd. (ERFL) strengthened its co-lending partnership with the Central Bank of India in order to ensure priority sector lending to the MSMEs. MSMEs can now avail collateral free loans of upto 50 lakhs and Loan against property of upto Rs 10 crores.
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