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Learn about the loan against property from Aditya Birla Capital with a starting interest rate of 10.50% p.a., a max loan amount of 10 Crores, and a tenure of up to 15 years. Apply via Bajaj Markets.
Last updated on: Jun 01, 2026
Fulfil your financial needs with a loan against property from Aditya Birla Capital Limited (ABCL). This loan allows you to borrow up to 10 Crores at attractive interest rates starting from 10.50% p.a.. You can also enjoy flexible repayment options with tenures of up to 15 years.
The Aditya Birla Capital Loan Against Property is a secured funding against residential or commercial property, with defined eligibility, interest rates, and repayment terms.
Here are the key details:
| Particulars | Details |
|---|---|
Interest Rate |
10.50% p.a. onwards |
Maximum Loan Amount |
10 Crores |
Maximum Repayment Tenure |
15 years |
Prepayment Charges |
|
Loan-to-Value Ratio |
Up to 70% |
*Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Here are the additional fees and charges for Aditya Birla Capital Loan Against Property that can help you plan your loan effectively:
| Type of Charges | Details |
|---|---|
Processing Fees |
Up to 2% of the loan amount |
Foreclosure Charges |
|
NOC Issuance Charge |
₹1,000 per instance |
Cancellation Charges |
4% of the loan amount |
Cheque Return Charges/NACH/SI/ECS Failure Charges |
₹1,000 per instance |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Get a loan amount of up to 10 Crores by mortgaging your property
Repay your loan with flexible tenures of up to 15 years
Prepay or foreclose your loan by paying a nominal fee as specified by ABCL
Leverage up to 70% of your property's value to meet various financial needs
You must meet specific age, income, property ownership, and credit requirements to qualify for an Aditya Birla Capital Loan Against Property.
Here are the key eligibility criteria you should meet:
| Eligibility Parameter | Description |
|---|---|
Employment Type |
Eligible applicants include salaried individuals, self‑employed persons, and professionals, subject to stable income and lender assessment. |
Property Type |
The property offered as collateral must be owned individually or jointly by the applicant. Specific property categories are assessed as per internal policy. |
Age for Applying |
The applicant must be at least 21 years old at the time of submitting the loan application. |
Age at Loan Maturity |
The applicant’s age must not exceed 70 years at loan maturity. In certain cases, this limit may be extended up to 80 years, subject to lender-defined conditions.* |
Credit Score |
A minimum CIBIL score of 650 is required to be considered eligible for the loan. |
Loan to Value (LTV) |
The applicable LTV ratio depends on internal assessment factors such as property profile, ownership status, and risk evaluation, as per lender policy. |
*Age extension is subject to conditions defined by Aditya Birla Capital Limited and may vary by applicant profile.
You must submit identity, income, and property-related documents based on your employment category to support the loan application and credit assessment.
Here is the complete list:
| Document Type | Salaried Applicants | Self‑Employed Professionals |
|---|---|---|
Age Proof |
PAN card or Aadhaar card |
PAN card or Aadhaar card |
Photo ID Proof |
Aadhaar card, Passport, Voter ID, or Driving Licence |
Aadhaar card, Passport, Voter ID, or Driving Licence |
Address Proof |
Aadhaar card, Voter ID, Driving Licence, or utility bills |
Aadhaar card, Voter ID, Driving Licence, or utility bills |
Income Proof |
Recent bank statements and relevant income records, as assessed by the lender |
GST returns, bank statements of the last 12 months, and ITR filings of the last 2 years |
Property‑Related Documents |
Ownership and collateral documents for the property being mortgaged |
Ownership and collateral documents for the property being mortgaged |
Note: Additional documents may be requested during processing, where necessary.
Aditya Birla Capital offers different types of loans against property to meet diverse financial needs:
This facility is designed specifically for real estate developers seeking funds to manage construction projects. It provides financial support for every stage of development, from land acquisition to project completion. The loan ensures that projects progress without delays caused by funding gaps.
With timely financing, developers can maintain efficiency and deliver projects within planned timelines.
Lease Rental Discounting allows property owners to secure funds against the rental income generated from residential, commercial, or warehouse properties. It is generally structured as a short-to-medium-term loan, enabling owners to unlock the potential of their existing assets.
The loan amount is determined based on the rental cash flow and lease agreement terms. This solution provides liquidity without the need to sell the property.
This loan option is intended for individuals or businesses aiming to purchase new commercial properties such as offices, retail outlets, or warehouses. It provides the necessary capital to expand operations and meet business growth objectives.
With flexible repayment options, borrowers can manage cash flow more effectively. The facility supports both investment and operational needs in the commercial real estate sector.
Here is how you can apply for this loan against property online on Bajaj Markets:
Click on ‘Check Offer’ on this page
You will be directed to the online application form
Choose your profession (Salaried Employee or Business Owner)
Provide your mobile number to proceed with the eligibility assessment
Agree to the terms of use and authorise the sharing of details as required
Submit your application
Following this, an executive will contact you to further process your loan application.
Here are some of the repayment options for your Aditya Birla Capital Loan Against Property.
Repay the loan in fixed monthly instalments comprising both principal and interest. This option ensures predictability and disciplined repayment over the chosen tenure.
Set up ECS with your bank to enable automatic EMI deductions on the due date. This eliminates the need for manual payments and ensures timely repayment.
Opt for the secure and paperless NACH facility, where EMIs are digitally debited from your bank account. It is widely used for efficiency and faster processing.
You may choose to make part-prepayments or foreclose the loan before the end of the tenure. These options help reduce the outstanding principal and overall interest burden, offering greater financial flexibility.
You can contact Aditya Birla Capital through multiple support channels for loan‑related queries, service requests, and account assistance.
You can call 1800‑270‑7000 to get support for general enquiries, loan details, and service‑related concerns.
For written queries or official communication, you may email care.housingfinance@adityabirlacapital.com
You can connect through WhatsApp or live chat using the official contact number 88288 00031 for quicker assistance.
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The loan amount approved by Aditya Birla Capital Limited (ABCL) is generally credited to your account within a few days.
You can borrow amounts of up to 10 Crores with an Aditya Birla Capital Limited Loan Against Property.
The maximum repayment tenure for a loan against property from Aditya Birla Capital is 15 years on Bajaj Markets.
Prepayment charges are not applicable for up to 25% of the outstanding loan amount repaid in a single financial year. However, if the prepayment exceeds 25% of the principal outstanding within the same year, a charge of 4% is applicable on the prepaid amount.
For foreclosure, a 4% charge applies to SMEs, while no foreclosure charges are levied for non-individual borrowers.
Yes, you can apply with a co-applicant, usually a family member who co-owns the property. Applying jointly can increase your loan eligibility, distribute repayment responsibility, and strengthen your credit profile.
The loan amount depends on your property’s market value and type of property. Residential properties can get up to 70% of value, commercial up to 60%, with loan amounts up to 10 Crores.
Yes, NRIs are eligible to apply for an Aditya Birla Capital Loan Against Property, if they meet the eligibility criteria.
You can download your loan statement by logging into the ABC Service Portal, emailing customer support, or calling the toll‑free number for assistance.
You can track your application status by calling customer care, emailing the support team, visiting a branch, or using the chatbot on the official website.
You must have a minimum CIBIL score of 650 or higher to be eligible for an Aditya Birla Capital Loan Against Property.
It is a secured loan where you pledge residential or commercial property to raise funds, which are repaid in instalments over an agreed tenure.
The interest rate structure may vary and is offered as per lender policy and borrower profile at the time of loan sanction.
Yes, both salaried individuals and self‑employed applicants, including professionals and business owners, can apply if they meet eligibility norms.
A top‑up loan may be considered based on repayment history, property value, and internal credit assessment norms.
In case of default, penalty charges may apply, and prolonged non‑repayment can lead to recovery action against the mortgaged property, as per loan terms.
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