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Explore the essential details of the Aditya Birla Housing Finance Loan Against Property, covering its competitive interest rates, flexible repayment features, and the specific eligibility and documentation needed to unlock the value of your real estate.
Last updated on: March 27, 2026
The Aditya Birla Housing Finance Loan Against Property allows you to unlock the value of your property to meet various financial needs. Available on Bajaj Markets, this loan offers funding of up to ₹50 Crores, with interest rates starting from 8.85% p.a. and repayment tenures of up to 15 years.
Aditya Birla Housing Finance Loan Against Property comes with competitive interest rates and applicable charges.
Here are the key details:
| Particulars | Details |
|---|---|
Starting Interest Rate |
8.85% p.a. onwards |
Processing Fees |
0.50% to 2.5% of the loan amount |
Disclaimer: The mentioned rates are subject to change at the lender’s discretion.
You can review the additional charges applicable to this loan below:
| Charges | Details |
|---|---|
Late Payment Fee |
12% p.a. over and above the applicable interest rate (capped at an aggregate of 24% p.a.), plus GST as per applicable laws |
Prepayment/Foreclosure Charges |
4% of the principal outstanding (if closed from own or other sources) |
Disclaimer: The mentioned charges are subject to change at the lender’s discretion.
You can unlock the value of your property to access substantial funding based on its market value
You can benefit from interest rates starting from 8.85% p.a., which are typically lower than unsecured loans
You can choose a repayment tenure of up to 15 years, helping you manage EMIs more comfortably
You may experience faster approvals with express loan sanction, subject to eligibility and documentation
You can check the basic eligibility criteria below before applying:
You should be between 25 and 55 years at the time of application
A CIBIL score of 675 or above may improve your approval chances
You should have at least 3 years of work experience if you are salaried
You should have a minimum income of ₹1 Lakh per annum
The property should be located in serviceable pincodes
You may need to submit the following documents while applying:
| Document Type | Details |
|---|---|
Proof of Identity and Address |
Valid KYC documents such as Aadhaar card, PAN card, or passport |
Proof of Income – Salaried |
Latest 3 months’ salary slips showing deductions and Form 16 |
Proof of Income – Self-employed/Professional |
IT returns or financial documents for the last 2 years, certified by a CA |
Bank Statements |
Latest 6 months’ bank statements showing income credits |
Proof of Additional Income (if applicable) |
Rental receipts or documents showing additional income |
Property Documents |
Title documents and approved sanction plan of the property |
Applying for a loan against property online can be simple and convenient. You can follow these steps on Bajaj Markets:
Click on the ‘Check Offer’ button on this page
Select your requirement, enter your mobile number, and choose your profession (salaried or self-employed)
Accept the terms and conditions, then click on ‘Apply Now’
Enter the OTP received on your registered mobile number for verification
Review and confirm your pre-filled personal details
Provide additional details such as loan amount, monthly income, property pincode, property type, and property value
Click on ‘Apply Now’ and you will see loan offers from multiple lenders, as per your eligibility, that you can compare
Select ‘Aditya Birla Housing Finance’ and proceed with the application
Reviewer
You can use the loan for various purposes, such as business needs, education, or personal financial requirements.
A charge of 4% of the principal outstanding may apply for fixed-rate loans if foreclosed using own or other sources.
The interest rate starts from 8.85% p.a., depending on your eligibility and profile.
You can get a loan of up to ₹50 Crores, based on your property value and eligibility.
You can choose a repayment tenure of up to 15 years, depending on your repayment capacity.
A CIBIL score of 675 or above is generally preferred to improve your chances of approval.
The average disbursal time is around 12 days, from application to final disbursement.
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