Get a Loan Against Property at better interest rates!
Unlock the value of your property with Poonawalla Fincorp’s Loan Against Property at a competitive interest rate starting at 9.5%* p.a. Whether you're a self-employed individual or a business owner, enjoy affordable financing with minimal charges and flexible terms. Our attractive Loan Against Property interest rate ensures you borrow smart and repay comfortably, making it the ideal solution for your personal or professional financial goals.
Interest Rates and Charges for Loan Against Property
Discover transparent and affordable financing with Poonawalla Fincorp’s Loan Against Property. Benefit from a competitive interest rate, minimal charges and flexible terms to make your borrowing experience smooth and cost-effective.
5% on principal partly paid amount + applicable taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
Factors Affecting Loan Against Property Interest Rates
- Credit Score: A good credit score of 700 or higher helps you avail of a loan at affordable interest rates.
- Repayment Tenure: A longer repayment tenure provides the convenience of affordable interest rates but leads to higher interest payable. A shorter repayment tenure reduces the interest payable.
- Income: Higher income indicates good repayment capability, leading to affordable interest rates.
- Down Payment: A higher down payment lowers the interest rate, and vice versa.
Apply for a Loan Against Property in Just 3 Steps
Click on "Apply Now”
Tap the Apply Now button to initiate your application.
Enter Details
Enter your contact, personal, occupation, and property ownership details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Get Exclusive Access to Simplified
Personal Finance Information at
Poonawalla Fincorp’s FinHub
Frequently Asked Questions
Poonawalla Fincorp offers Loan Against Property at interest rates starting at 9.5% p.a. This makes our loan one of the most cost-effective financing options you can avail yourself of to fulfil any big-ticket expense.
We ensure an affordable experience and only levy a nominal processing fee of up to 2% on our Property Mortgage Loan plus applicable taxes.
Yes, you can foreclose your loan before tenure ends by paying a nominal foreclosure fee of 5% on the outstanding loan amount plus taxes.
You can calculate the total interest cost using an EMI calculator by entering your loan amount, tenure, and applicable interest rate. This helps estimate your monthly payments and total interest over the loan period.
The loan itself is not taxable as it is not considered income. However, if the property generates rental income or is sold, applicable taxes may arise based on capital gains or income tax laws.
Mortgage loan interest refers to the cost you pay to the lender for borrowing money against your property. It is calculated as a percentage of the loan amount and paid over the loan tenure.
You can typically avail up to 60%–70% of your property's market value, depending on factors like income, credit score, and property type.
No, interest rates vary across lenders based on their policies, your credit profile, loan tenure, and property valuation. Poonawalla Fincorp offers competitive rates starting at 9.5% p.a.
Interest in a Dropline Overdraft facility is charged only on the amount utilized, not the entire sanctioned limit. It helps reduce interest costs if the full amount is not used.
At Poonawalla Fincorp, the Loan Against Property interest rate starts from 9.5% p.a., making it an affordable option for both individuals and businesses.
Yes, additional charges may include processing fees (up to 2%), foreclosure charges, late payment penalties, and stamp duty. All charges are transparently listed in the tariff sheet.
Poonawalla Fincorp offers both fixed and floating interest rate options. Floating rates may vary with market conditions, while fixed rates remain constant throughout the tenure.
Key factors include your credit score, income, loan tenure, property type, and loan amount. A strong financial profile can help secure lower interest rates.
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Happy Customers, Happy Us


I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business. With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.


Poonawalla Fincorp’s Pre-owned Car Loan made the entire financing process effortless. The loan approval was quick, and the minimal documentation made it even more convenient. Within just a couple of days, the funds were disbursed, allowing me to purchase a well-maintained pre-owned vehicle without any hassle. The repayment options were flexible, and the entire experience was seamless. Thanks to Poonawalla Fincorp, I could get my car without any financial strain. Highly recommended!


Securing a loan to purchase a commercial property with rental income was crucial for my business. Having previously worked with Poonawalla Fincorp, I was confident in their services. The process was incredibly smooth and transparent. The quick disbursement and excellent post-sales support made the entire experience stress-free. Thanks to Poonawalla Fincorp, I now own a prime commercial property in Mumbai, which has significantly boosted my business. Their quick turnaround time and excellent post-sales support made all the difference. I wholeheartedly recommend them to anyone in need.


I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!


A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.


I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.


I run a chain of farmacy stores with 5 branches in pune. With the growing polpularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficulf for me to hire delivery persons. With Poonawalla fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan applicatipn process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operationg seamlessly.