Loan Against Property axis bank starting at 9.25% p.a. for loan amounts up to ₹5 crore and repayment tenures extending up to 20 years. Along with standard LAP, Axis Bank also provides Lease Rental Discounting (LRD) against rental income from leased commercial properties, as well as an overdraft facility to meet working capital requirements and manage cash flow mismatches effectively.
At CreditCares, we make the Axis Bank Loan Against Property process faster, easier, and stress-free. Since we work directly with Axis Bank and several other top lenders, we compare offers and ensure you get the best loan deal at the lowest rate—saving you both time and money.
Axis Bank Loan Against Property Highlights
| Particulars | Details |
|---|---|
| Interest Rates | 9.25% – 10.00% p.a. |
| Loan Amount | ₹5 lakh – ₹5 crore |
| Tenure | Up to 20 years |
| Processing Fee | 1% of loan amount or ₹10,000 (whichever is higher) |
Note: The above interest rates and charges are indicative and may vary depending on borrower profile, property type, loan amount, and Axis Bank’s internal policies. For the most updated details, visit the official Axis Bank LAP page.
Axis Bank Loan Against Property Fees and Charges
| Particulars | Floating Rate (Individuals) | Floating Rate (Non-Individuals) | Fixed Rate Loans |
|---|---|---|---|
| Processing Fee | 1% of loan amount or ₹10,000 (whichever is higher) | 1% of loan amount or ₹10,000 (whichever is higher) | 1% of loan amount or ₹10,000 (whichever is higher) |
| Prepayment / Foreclosure | Nil | Up to 2% of outstanding principal | 2% – 4% of outstanding principal |
| Part-Payment Charges | Nil | Applicable as per agreement | 2% – 4% depending on loan terms |
| Late Payment Charges | 2% per month (24% p.a.) on overdue EMI | 2% per month (24% p.a.) | 2% per month (24% p.a.) |
| Cheque Bounce Charges | ₹500 per instance (approx.) | ₹500 per instance (approx.) | ₹500 per instance (approx.) |
| Duplicate Statement / Documents | ₹500 per request (approx.) | ₹500 per request (approx.) | ₹500 per request (approx.) |
| Legal & Technical Valuation | At actuals (varies by property/location) | At actuals | At actuals |
Compare LAP Interest Rates: Tata Capital vs Top Lenders (2025)
| Lender | Interest Rate (% p.a.) | Apply Online |
|---|---|---|
| State Bank of India | 9.20% – 10.50% | Apply Now |
| Bank of Baroda | 10.85% – 18.35% | Apply Now |
| PNB Housing Finance | 9.25% – 15.00% | Apply Now |
| IDFC First Bank | 9.00% – 16.50% | Apply Now |
| HDFC Bank Limited | 9.50% – 11.00% | Apply Now |
| L&T Housing Finance | 9.50% onwards | Apply Now |
| LIC Housing Finance | 9.50% – 11.55% | Apply Now |
| Godrej Housing Finance | 9.75% onwards | Apply Now |
| ICICI Bank | 10.85% – 12.50% | Apply Now |
| Tata Capital | 9.00% onwards | Apply Now |
| Axis Bank | 10.50% – 10.95% | Apply Now |
| Punjab National Bank | 10.15% – 14.00% | Apply Now |
Types of Axis Bank Loan Against Property
Axis Bank provides different LAP variants to suit salaried professionals, business owners, and corporates. Here are the main types:
1. Classic Loan Against Property
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Standard LAP where you pledge residential or commercial property.
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Suitable for business expansion, education, medical needs, or debt consolidation.
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Loan amount: ₹5 lakh – ₹5 crore.
2. Lease Rental Discounting (LRD)
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Loan offered against future rental income from property leased to reputed corporates.
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Ideal for property owners with long-term rental agreements.
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Tenure usually up to 15 years.
3. Overdraft Facility Against Property
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Provides a credit line against property.
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Interest charged only on the amount utilized.
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Best for managing working capital requirements or irregular cash flows.
Axis bank loan against property eligibility: Who Can Apply?
Axis Bank Loan Against Property is open to both salaried and self-employed individuals. The eligibility is assessed based on age, income, property type, and repayment capacity.
General Eligibility Highlights:
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Salaried Applicants: Age 21–60 years, stable income, valid employment proof.
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Self-Employed Applicants: Age 21–65 years, business vintage (min. 3 years preferred).
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Property Type: Residential/commercial property owned and registered in your name.
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Minimum Income: ₹25,000 per month (varies by city & profile).
👉 For personalized guidance on eligibility, visit CreditCares Loan Eligibility Check
👉 For official bank criteria, check Axis Bank Loan Against Property Eligibility
Axis Bank loan against property documents required
When applying for a Loan Against Property with Axis Bank, applicants must provide a set of KYC, income, and property-related documents. The list may slightly vary depending on whether you are salaried or self-employed.
1. For Salaried Applicants
| Document Type | Required Documents |
|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Voter ID, Driving License |
| Address Proof | Utility Bills (Electricity/Water), Aadhaar, Passport |
| Income Proof | Latest 3 months’ Salary Slips, Form 16, Bank Statements (6 months) |
| Property Documents | Sale Deed, Title Deed, Approved Building Plan, Property Tax Receipts |
| Photographs | Passport-sized photographs |
2. For Self-Employed Applicants
| Document Type | Required Documents |
|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Voter ID |
| Address Proof | Aadhaar, Passport, Utility Bills |
| Income Proof | Last 2 years’ ITR, Audited Financial Statements, Bank Statements (12 months) |
| Business Proof | GST Registration, Business License, Shop Act, Partnership Deed (if applicable) |
| Property Documents | Title Deed, Sale Deed, Approved Layout, Property Tax Receipts |
| Photographs | Passport-sized photographs |
👉 For a complete guidance checklist, you can visit CreditCares Loan Documentation Support
👉 For official details, check Axis Bank Loan Against Property Documents
Axis Bank Loan Against Property Apply Online
Applying for a Loan Against Property Axis Bank is quick and convenient with their online application facility. Whether you are a salaried professional or a business owner, you can easily complete the Axis Bank Loan Against Property apply online process in just a few steps.
Steps to Apply Online for Axis Bank LAP
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Visit the official Axis Bank Loan Against Property Online Application page.
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Fill in your personal details – name, contact number, and city.
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Enter your loan requirement details – loan amount, tenure, and purpose.
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Upload the required KYC, income, and property documents.
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Submit your application and wait for Axis Bank’s eligibility check & loan approval process.
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Track your Axis Bank Loan Against Property status online using your reference/application number.
Why Apply Online?
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Quick & Paperless: Save time with digital verification.
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Faster Processing: Instant eligibility checks & EMI estimation.
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Transparency: View applicable Axis Bank loan against property interest rate before applying.
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Convenience: Apply anytime, from anywhere.
👉 Need assistance? Get end-to-end help with your Axis Bank Loan Against Property online application at CreditCares Apply Online Support
Axis Bank Loan Against Property EMI Calculator
Before applying, it’s important to estimate your monthly EMI. The Axis Bank Loan Against Property EMI Calculator helps you calculate EMIs instantly by entering just three details – loan amount, interest rate, and tenure.
How Does the EMI Calculator Work?
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Loan Amount: The principal you borrow (₹5 lakh – ₹5 crore).
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Interest Rate: Current Axis Bank mortgage loan interest rate (9.25%–10.00% p.a. onwards).
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Tenure: Flexible repayment period of up to 20 years.
Once you input these values, the calculator instantly shows:
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Your monthly EMI
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Total interest payable
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Overall repayment amount
Example EMI Calculation
| Loan Amount | Interest Rate | Tenure | Monthly EMI (Approx.) |
|---|---|---|---|
| ₹25,00,000 | 9.25% p.a. | 15 years | ₹25,746 |
| ₹50,00,000 | 9.50% p.a. | 20 years | ₹46,607 |
| ₹1,00,00,000 | 10.00% p.a. | 20 years | ₹96,502 |
Why Use Axis Bank LAP EMI Calculator?
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Helps in financial planning before borrowing
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Compare EMIs across different loan amounts & tenures
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Understand repayment burden in advance
👉 Get expert help to choose the right loan amount with the CreditCares Loan EMI Assistance
Key Benefits of Axis Bank Loan Against Property
Choosing Axis Bank Loan Against Property comes with multiple advantages:
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Attractive Interest Rates – Starting from 9.25% p.a. onwards.
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High Loan Amounts – Borrow up to ₹5 crore against residential/commercial property.
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Flexible Tenure – Repayment period of up to 20 years.
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Multiple Variants – Classic LAP, Lease Rental Discounting (LRD), and Overdraft facility.
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Simple Documentation – Hassle-free process with minimal paperwork.
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Quick Disbursement – Fast loan processing for urgent financial needs.
👉 Learn more about loan benefits with expert guidance at CreditCares Loan Solutions
👉 See official details on Axis Bank Loan Against Property Features
Frequently Asked Questions (FAQs)
Q1. What is the minimum and maximum loan amount in Axis Bank LAP?
Ans. You can avail ₹5 lakh to ₹5 crore, depending on your eligibility and property value.
Q2. What is the Axis Bank Loan Against Property interest rate in 2025?
Ans. Rates start at 9.25% p.a. onwards (floating) and vary based on applicant profile.
Q3. What is the maximum tenure offered?
Ans. Up to 20 years.
Q4. Can I apply for Axis Bank Loan Against Property online?
Ans. Yes, you can apply via the Axis Bank LAP Online Application or through CreditCares Loan Apply for faster approvals.
Q5. Is foreclosure allowed?
Ans. Yes, foreclosure/prepayment is allowed, but charges may apply (varies for fixed/floating rates).
Conclusion & Clear Call to Action
Axis Bank Loan Against Property is a smart financing solution for individuals and businesses looking to unlock the true potential of their property. With competitive interest rates, flexible tenure, and multiple variants (LAP, LRD, Overdraft), it’s a reliable choice for funding needs.
At CreditCares, we make the Axis Bank Loan Against Property process faster, easier, and stress-free. Since we work directly with Axis Bank and other top lenders, we compare offers and ensure you get the best deal at the lowest rate — saving you both time and money.
👉 Apply online today with CreditCares Axis Bank Loan Application Support
