Loan Against Property from 9.25%
Unlock the value of your residential, commercial or industrial property up to ₹10 crore — at PSU rates far below NBFC pricing.
- Interest from
- 9.25%
- Loan up to
- ₹10 Crore
- Max tenure
- 15 years
- Funding
- Up to 70% LTV
Why this loan through NITI
- Rates typically 4-7% below NBFC loan-against-property offers.
- Long 15-year tenure keeps EMIs comfortable.
- Use for business expansion, education, medical needs or debt consolidation.
- Overdraft option — interest only on what you actually use.
- Rent-receivable and lease-rental discounting structures available.
- Property stays yours and in your possession throughout.
See the real savings
Same loan amount. Same tenure. A PSU bank rate simply costs you less.
| Bank | Interest Rate | Monthly EMI (₹50.00 L, 15yr) | Total Interest | You Save |
|---|---|---|---|---|
| PSU bank (via NITI) | 9.25% | ₹51,460 | ₹42.63 L | ₹30.27 L |
| Private bank | 10.75% | ₹56,047 | ₹50.89 L | ₹22.01 L |
| Housing finance company | 12% | ₹60,008 | ₹58.02 L | ₹14.88 L |
| NBFC | 14.5% | ₹68,275 | ₹72.90 L | Baseline |
Calculate your EMI
Move the sliders to see your monthly EMI and how much a PSU rate saves you.
Monthly EMI
₹51,460
Total Interest
₹42.63 L
Total Payment
₹92.63 L
Eligibility criteria
Applicant
- • Age 21 to 70 years at maturity
- • Documented, serviceable income
- • Salaried, self-employed or business entity
- • CIBIL 700 and above
Property
- • Clear and marketable title in applicant's name
- • Residential, commercial or industrial (not agricultural)
- • Approved construction with proper NOC
- • Free of existing encumbrance, or transferable
Documents required
Income documents
- • PAN card and Aadhaar card
- • Last 2 years ITR with computation
- • Last 12 months current account statement
- • Business proof — GST, Udyam or Shop Act licence
- • 2 passport size photographs
Property documents
- • Chain of title deeds
- • Approved plan and completion certificate
- • Latest property tax receipts
- • Encumbrance certificate
- • Existing loan statement if transferring
How to apply
Four steps, mostly on WhatsApp.
- 01
WhatsApp Us
Send us your requirement — loan type, amount, city. Takes 2 minutes.
- 02
Free Comparison
We compare rates from 5+ PSU banks and share the best options within 15 minutes.
- 03
Document Submission
Send documents on WhatsApp. We verify and submit to the bank on your behalf.
- 04
Loan Sanctioned
48-72 hour approval. Money disbursed directly to you or your dealer.
Frequently asked questions
NITI Financial Solutions is a loan facilitation service. We facilitate the loan application process between you and our partner banks. The final loan sanction, interest rate, and terms are determined by the respective bank based on their credit assessment.