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Compare Jammu And Kashmir Bank vs Cholamandalam Loan Against Property

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Interest Rate
Interest Rate
9.85% - 9.85%
11.00% - 14.00%
Processing Fees
Processing Fees
Upto 0.20%
Upto 2.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 1 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 60%
Upto 70%
Maximum Tenure
Maximum Tenure
7 Years
15 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,652
₹ 1,137
Benchmark Rate
Benchmark Rate
Minimum Age
Minimum Age
21 Years
21 Years
Maximum Age
Maximum Age
60 Years
65 Years
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Loan Against Property EMI of Jammu And Kashmir Bank and Cholamandalam

Loan Amount Jammu And Kashmir Bank Cholamandalam
₹ 10 Lakh ₹ 16,524 ₹ 11,366
₹ 15 Lakh ₹ 24,786 ₹ 17,049
₹ 30 Lakh ₹ 49,571 ₹ 34,098
₹ 50 Lakh ₹ 82,619 ₹ 56,830

Which is a better bank for Loan Against Property – Jammu And Kashmir Bank or Cholamandalam?

Cholamandalam offers lower Loan Against Property EMI at ₹ 1,137 on a Loan Against Property for 15 Years as compared to Jammu And Kashmir Bank with a minimum EMI of ₹ 1,652 for 7 Years. Average customer ratings for Cholamandalam is currently at /5.0 which makes it a good choice for taking a Loan Against Property.

How does Jammu And Kashmir Bank Loan Against Property compare with Cholamandalam Loan Against Property?

It is important to do a detailed comparison of Jammu And Kashmir Bank and Cholamandalam 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 Jammu And Kashmir Bank Loan Against Property is 9.85%, which is lower than the lowest interest rate of Cholamandalam at 11.00% and hence, Jammu And Kashmir Bank is offering a cheaper loan option.
  • When compared on other Loan Against Property charges such as processing fees, Jammu And Kashmir Bank charges a lower processing fees of 0.20% of the loan amount vs Cholamandalam with a processing fees of 2.00% of loan amount.
  • Jammu And Kashmir Bank offers Loan Against Property upto 70% of the property value while Cholamandalam offers mortgage loan upto 60% of property value. Hence, Jammu And Kashmir Bank can be a better option if you are looking for a high value amount.
  • Jammu And Kashmir Bank is a with its Loan Against Property rates benchmarked to RLLR. Cholamandalam is a with its home loan rates benchmarked to PLR.
  • with an average customer ratings of is equally comparable to with an average customer rating of , and hence, the customer can expect the same kind of service levels from these banks.

Which bank offers a lower interest rate on Loan Against Property – Jammu And Kashmir Bank or Cholamandalam?

As per the current rates, Jammu And Kashmir Bank offers a lower interest rate of 9.85% on Loan Against Property when compared to Cholamandalam which offers a Loan Against Property at 11.00%.

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