Loans Against Property Overdraft Providers

Top List of Loans Against Property Overdraft as on Mar 23, 2025

SWOT Finance Consultancy

Navrangpura, Ahmedabad, 380009

5.0/5 Based on 5 Reviews

+08069831455

Response Time: Within 15 MinsSulekha score: 7.8

SWOT Finance Consultancy, located in Navrangpura, Ahmedabad, offers comprehensive financial consultancy services, including business loans, personal loans, and financial planning solutions. The consultancy is well-regarded for its client-focused approach, providing tailored financial strategies to meet individual and business needs. They are known for their expertise in navigating complex financial landscapes, helping clients secure the best financial products available in the market. With a strong commitment to customer satisfaction, SWOT Finance Consultancy has earned positive reviews for its reliability and professionalism. The firm operates with a deep understanding of local market conditions, ensuring that clients receive relevant and effective advice.

Available Loan Types:

Offering 14 different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore and above
Depending on the type of loan

Rushali Shah from Ahmedabad

"They helped me out with my education loan, which was quickly processed and i got the best intrest rate as well."

Dr. Rachna Patel from Ahmedabad

"I have taken education loan for my son. Hazel free process with SWOT Finance Consultancy. Thanks to Mr Vijay Shah. "

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Saini Associates

Manikonda, Hyderabad, 500089

4.9/5 Based on 8 Reviews

Loans

Response Time: Within 15 MinsSulekha score: 10

Saini Associates, located in Manikonda, Hyderabad, is a well-regarded financial service provider with a strong focus on customer satisfaction. They offer a range of financial solutions including tax consulting, auditing, and investment advisory services. The firm is known for its personalized approach, ensuring that each client receives tailored advice that suits their specific financial needs. With a team of experienced professionals, Saini Associates has built a reputation for reliability and efficiency in handling various financial matters. The office is conveniently situated near local landmarks, making it easily accessible for clients in the area. Their commitment to excellence has earned them positive reviews and a loyal client base in Hyderabad.

Available Loan Types:

Offering 9 different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore
Depending on the type of loan

User from Hyderabad

"Quick response Good conversation "

surendrababu from Hyderabad

"Clarity in communication and response to queries is appreciable."

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Pratima Credit Services

Kadru, Ranchi, 834002

+09021108540

Loans

Response Time: Within 15 MinsSulekha score: 7.6

Established in 2021, Pratima Credit Services has quickly become one of the leading financial services consultants in Jharkhand State. Our firm is dedicated to providing comprehensive assistance and support to potential customers, enabling them to avail various financial services from Banks, NBFCs, and Insurance Companies. At Pratima Credit Services, we go beyond merely offering loans. We provide holistic financial planning and easy loan assistance anytime, anywhere. Our strong affiliationsdirectly or through Corporate DSAswith more than 50 leading banks and NBFCs, including Union Bank, BoB, Axis Bank, HDFC Bank, Tata Capital, Bajaj Finance, and Lendingkart, ensure that our customers have access to a wide range of financial products. We also offer mutual fund investment services, partnering with all leading mutual fund companies such as HDFCMF, ICICIMF, SBIMF, and ABSLMF etc. Our AMFI registration code for mutual fund distribution is ARN-187795. In addition, we are affiliated with ICICI Lombard General Insurance Company, providing a variety of general insurance services. For life insurance, we have teamed up with Indias leading life insurance provider, LIC of India, ensuring that our clients receive the best coverage and support. At Pratima Credit Services, we are committed to being your reliable partner in financial growth and security. Whether you need assistance with loans, investments, or insurance, our dedicated team is here to help you every step of the way. For more information, please visit our website or contact us

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Sri Sai Teja Home Deals

Dondaparthy, Visakhapatnam, 530016

5.0/5 Based on 5 Reviews

+07569002704

Loans

Response Time: Within 15 MinsSulekha score: 7

Sri Sai Teja Home Deals, located in Dondaparthy, Visakhapatnam, is a reputable finance company offering a wide range of financial services. Established in 2000, the company is led by A. Srinivasa Rao and specializes in providing home loans, mortgage loans, business loans, personal loans, and plot loans. They are committed to helping individuals and businesses achieve their financial goals with customized loan options tailored to various needs. Whether you are looking to purchase a home, refinance, or obtain funding for your business, Sri Sai Teja Home Deals strives to make the process efficient and transparent

Available Loan Types:

Offering 10+ different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore and above
Depending on the type of loan

Satish p from Visakhapatnam

"Very good and exlent service Very good knowledge persons "

Bharatgi from Visakhapatnam

"Good service, well known persons, genuine work "

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STELLAR SOLUTIONS

Navrangpura, Ahmedabad, 380009

+08048042150

Loans Construction Loans Structural Adjustment Loans

Response Time: Within 15 MinsSulekha score: 8.1

Welcome to "STELLAR SOLUTIONS", where we offer a wide range of loan services to meet all your financial needs. Our business, established in Navarangapura, has been providing loans for various purposes since 8 years. With a dedicated team of employees, we are committed to helping you achieve your goals. Our services include vehicle loans, home loans, business loans, mortgage loans, personal loans, and project loans, machinery loans, commercial vehicle loans, industrial shed , industrial machinery, commercial purchase. We provide loan even for those with a low CIBIL score. Our loan options cover a variety of properties, from plots to commercial and residential buildings. Whether you're looking for a construction loan or a balance transfer, we have got you covered. Visit us during our working hours to learn more about our services and how we can assist you with your financial needs.

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Instant solution

Dunlop, North 24 Parganas, 700074

+09021110232

Loans

Response Time: Within 15 MinsSulekha score: 7.3

Instant Solution in Dunlop, North 24 Parganas, specializes in providing a wide range of loan services, including personal, business, home, education, and mortgage loans. With over 18 years of experience, the company is known for its quick processing time and customer-centric approach, ensuring that clients' financial needs are met efficiently. The business aims to offer personalized financial assistance, focusing on providing solutions with minimal documentation. They cater to various loan requirements with flexible amounts depending on the loan type, helping clients achieve their financial goals smoothly?

Available Loan Types:

Offering 20 different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹1 Crore and above
Depending on the type of loan

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We Win Associates

Kovaipudur, Coimbatore, 641042

+08035424431

Loans

Response Time: Within 15 MinsSulekha score: 7

Welcome to We Win Associates, your go-to source for loans in Kovaipudur. Established in 2021, we have been providing exceptional loan services to our clients. With a team of experienced professionals, we offer a wide range of loan options including vehicle loans, home loans, business loans, mortgage loans, personal loans, and more. Our services cater to all your financial needs and are designed to provide you with the best solutions. Whether you need a loan for a new or used vehicle, property, or business, we have got you covered. Our working hours are flexible to accommodate your schedule. Come visit us and let us help you achieve your financial goals.

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Money Finance Service

Bangalore, Bangalore, 560021

+08069875880

Loans

Response Time: Within 15 MinsSulekha score: 6.3

Money Finance Service in Bangalore is a comprehensive financial service provider offering a wide range of loan options. They specialize in business loans, home loans, mortgage loans, and loans against property. With a strong emphasis on customer service, their experienced team is dedicated to helping clients secure the best financial solutions tailored to their needs. They operate with a quick response time and are committed to ensuring clients receive prompt and efficient service. Additionally, Money Finance Service is known for their reliable and trustworthy approach, making them a go-to choice for financial assistance in Bangalore. They cater to various financial needs, ensuring flexibility and convenience for their clients

Available Loan Types:

Offering 13 different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore
Depending on the type of loan

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Rathi Infotech

Indore H O, Indore, 452001

+09021113771

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 3.8

Rathi Infotech, located in Indore H O, offers a variety of financial services. The company specializes in providing loans, including personal loans, business loans, home loans, and vehicle loans. With over six years of experience, they are known for their reliable customer service, offering tailored financial solutions to meet individual needs. Their services also include loan assistance for clients with varying credit scores, including CIBIL defaulters. Rathi Infotech ensures prompt responses and has a proven track record of helping clients secure the necessary funds efficiently.

Available Loan Types:

Offering 30+ different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹1 Crore and above
Depending on the type of loan

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The Consultant

Maheshtala, Kolkata, 700018

+08069876549

Loans Structural Adjustment Loans

Sulekha score: 7.1Working hours: 10 AM to 7 PM

Welcome to The Consultant, where we provide a wide range of loan services including home loans, business loans, mortgage loans, and project loans. Our expert team is dedicated to helping you achieve your financial goals and our services are tailored to fit your unique needs. With over 750 credit score, we can offer you non-CIBIL defaulter loans and loans against cash credit, overdraft, and property. We also offer loans for plots, commercial, residential, and industrial buildings. Whether you need a structural adjustment loan or a balance transfer, we have you covered. Visit us in Maheshtala and let us help you secure your financial future.

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Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, Loans Against Property Overdraft, home loans, vehicle loans, mortgage loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Loan Against Property Overdraft

Large Financial Requirements: When facing significant expenses like business expansion, higher education, medical emergencies, or weddings, a loan against property overdraft provides access to substantial funds.
Flexibility in Borrowing: This option allows you to withdraw varying amounts as needed and pay interest only on the utilized portion, offering greater financial control.
Lower Interest Rates: Loans against property typically have lower interest rates compared to unsecured loans like personal loans or credit cards, making them a cost-effective borrowing solution.
Long-Term Financing Needs: Suitable for long-term financial needs, these loans offer extended repayment periods, reducing the pressure of high monthly payments.
Cash Flow Management: For businesses, the ability to borrow and repay as needed helps manage cash flow efficiently, ensuring liquidity during fluctuating income periods.

2. Eligibility Criteria for Loans Against Property Overdraft

Ownership of Property: You need to own a residential or commercial property to pledge as collateral, ensuring the lender has security against the loan.
Age: Borrowers typically need to be between 21 and 65 years old, aligning with common working age and retirement considerations.
Income Stability: Demonstrating stable income, whether salaried or self-employed, assures the lender of your repayment ability, thus reducing their risk.
Credit Score: A good credit score, usually above 650-700, indicates creditworthiness and increases the likelihood of loan approval on favorable terms.
Property Valuation: The property must be free from encumbrances and have a clear title. The loan amount is often determined by the property's market value.
Employment Stability: For salaried individuals, a consistent work history of 2-3 years is required, while self-employed individuals need a steady business track record, typically 3-5 years.

3. Benefits and Advantages of a Loan Against Property Overdraft

High Loan Amount: These loans provide significant funding based on the property’s value, making them ideal for substantial financial needs.
Lower Interest Rates: The collateral nature of these loans often results in lower interest rates compared to unsecured borrowing options.
Flexible Repayment: Borrowers can withdraw and repay funds as needed within the sanctioned limit, offering flexibility in managing finances.
Interest on Used Amount: Interest is charged only on the amount you utilize, not on the entire overdraft limit, potentially reducing interest costs.
Longer Tenure: These loans come with extended repayment periods up to 15-20 years, easing the burden of large monthly installments.
Multiple End-Uses: The funds can be used for various purposes, including business expansion, education, and medical expenses, providing versatility.
Retain Ownership: You continue to own and use the property while leveraging its value for financial needs without having to sell it.

4. Important Factors to Consider When Taking a Loan Against Property Overdraft

Interest Rates and Fees: Compare various lenders to find the most competitive interest rates and understand all associated fees, including processing and prepayment charges.
Repayment Terms: Ensure you understand the flexibility in repayment options, tenure choices, and any penalties for early repayment.
Loan to Value (LTV) Ratio: Check the LTV ratio offered, which typically ranges from 50-70% of the property's value, influencing the maximum loan amount.
Eligibility and Documentation: Confirm you meet the lender's eligibility criteria and gather all necessary documentation such as property papers, income proof, and identity verification.
Property Valuation: Obtain an independent valuation of your property to ensure it accurately reflects market conditions and to determine potential loan amounts.
Impact on Cash Flow: Assess how the loan repayments will affect your monthly cash flow, ensuring you can manage the financial commitment comfortably.
Credit Score: Maintain a good credit score to negotiate better loan terms and increase your chances of approval.
Legal and Technical Verification: Ensure the property has a clear title and is free from legal disputes or encumbrances as lenders will conduct thorough checks before approving the loan.

5. Loans Against Property Overdraft Interest Rates?

Bank Name	Interest Rate (per annum)	Processing Fee	Maximum Tenure
State Bank of India (SBI)	7.45% - 10.65%	0.35% of loan amount (Min ₹2,000)	Up to 15 years
HDFC Bank	8.00% - 9.50%	Up to 1% of loan amount	Up to 15 years
ICICI Bank	8.50% - 10.50%	0.50% - 1% of loan amount	Up to 15 years
Axis Bank	8.90% - 11.25%	Up to 1% of loan amount (Min ₹10,000)	Up to 20 years
Bank of Baroda	8.15% - 10.15%	0.35% of loan amount (Min ₹10,000)	Up to 15 years
Punjab National Bank (PNB)	8.10% - 11.15%	0.50% of loan amount (Min ₹10,000)	Up to 15 years
Kotak Mahindra Bank	8.00% - 11.00%	Up to 1% of loan amount	Up to 15 years
IDFC First Bank	8.75% - 11.50%	1% of loan amount (Min ₹5,000)	Up to 20 years
IndusInd Bank	8.90% - 11.50%	0.75% - 1% of loan amount	Up to 20 years
Union Bank of India	8.40% - 10.90%	0.50% of loan amount (Min ₹7,500)	Up to 15 years

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

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Most Common Questions About Loans Against Property Overdraft

1. Who are the best Loans Against Property Overdraft providers?

SWOT Finance Consultancy
Saini Associates
Pratima Credit Services
Sri Sai Teja Home Deals
STELLAR SOLUTIONS

2. What documents are required for a Loans Against Property Overdraft?

You will need identity proof (like Aadhar or PAN card), address proof (such as utility bills), income proof (salary slips or IT returns), property documents, and a completed application form.

3. What are the eligibility criteria for a Loans Against Property Overdraft?

Eligibility typically includes being an Indian resident, a salaried or self-employed individual, and owning a residential or commercial property. The property should be free of legal issues, and your income should meet the lender’s criteria.

4. How do I apply for a Loans Against Property Overdraft online?

You can apply online with the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also you can visit the lender’s website, fill out the online application form with your personal and property details, upload the required documents, and submit the application. The lender will review your application and contact you for further processing.

5. How can I get an instant Loans Against Property Overdraft?

Instant approval may be possible through pre-approved offers from existing lenders, provided you meet their criteria. Otherwise, submit a complete and accurate online application with all required documents for faster processing.

6. What is the percentage rate for Loans Against Property Overdraft?

The interest rate varies by lender but typically ranges between 9% to 14% per annum, depending on factors like the borrower’s profile, loan amount, and tenure.

7. Can I get a Loans Against Property Overdraft with a low CIBIL score?

While a low CIBIL score can make it more challenging, some lenders may still offer the loan at higher interest rates or require additional security. It’s advisable to improve your score for better terms.

8. What is the processing fee for a Loans Against Property Overdraft?

Processing fees usually range from 0.5% to 2% of the loan amount, depending on the lender. This fee covers administrative costs associated with processing the loan application.

9. Can I get a Loans Against Property Overdraft with a bad credit score?

Obtaining a loan with a bad credit score is challenging but possible with certain lenders. You may need to provide additional collateral, a co-applicant, or be prepared for higher interest rates and stringent terms.

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4.3

Based on 630 Reviews

Universal Traders Chikkadpally

18 Oct, 2023

vijayalakshmi cheated me she took 20000 from me promosing me loan of 8 lakhs , she switched off her mobile , already filed a complaint with cyber crime cell , please dont trust her she is a fraud

Santosh yadav Goregaon

14 Jun, 2023

Mera loan kahi se ho nahi Raha tha , because of low credit score,but Mr Deepak and omkar sir help me start to end ,mera 14 lakh ka business loan, thanks dhansuvidha finance

Vivek Vargaonkar Goregaon

04 Jun, 2023

Fake company. Fraud workers . I applied for 20 lakh business loan . My Case was taken by Deepak salaskar . He charged me 2950 rs as Processing fees for loan . Deepak told me that this amount is refundable. Within 6 days after payment of 2950 my file got rejected and Deepak denied to refund my 2950 saying that it's non refundable amount . Now he is not picking my calls also . So better safeguard your precious money from these fraudsters.

Sudhir Sampangiram Nagar

18 Apr, 2023

Worst customer service, post closing the PL account. none of my details show valid. including the registered e-maiil/phone number.

Anup prajapati Goregaon

06 Apr, 2023

My experience with dhansuvidha has been way too good. Extremely professional and helpful staff. They guide you accordingly. I am thankful to Mr. Deepak sSpecifically as he did guide me right from the start to finish (disbursement ). Even post disbursement , he keeps in touch and guides in case we have any queries and even constantly reminds of the monthly emi just so that we are ready for the emi/debit.

kishan Goregaon

29 Mar, 2023

Dhan Suvida Finance is very good company special kiran madam and soni madam help me yeh logo ko jab bhi phone karu hamesha response milta hai mujhe help karne ke liye thanku

Harsha Ameerpet

13 Mar, 2023

This is Harsha, I have taken services from True Money Financial Solutions And Services. Sravan guided me in every prospects and helped me to get my Home Loan. So i request every one to connect with True Money Financial Solutions And Services for any kind of Home loans, Business loans, Mortgage loans etc.

Umesh patil Goregaon

17 Feb, 2023

my file got rejected from Incred..I gave my file to Dhan Suvidha.i got loan of 2.5 lakhs from Dhan Suvidha,thanks team

Top Loans Against Property Overdraft Providers

What type of business loan do you need?

Find the Top Loans Against Property Overdraft Providers from Sulekha

Top List of Loans Against Property Overdraft as on Mar 23, 2025

SWOT Finance Consultancy

Saini Associates

Pratima Credit Services

Sri Sai Teja Home Deals

STELLAR SOLUTIONS

Instant solution

We Win Associates

Money Finance Service

Rathi Infotech

The Consultant

Latest User Reviews for Loans Against Property Overdraft

Why Choose Sulekha?

1. When to Consider Taking Out a Loan Against Property Overdraft

2. Eligibility Criteria for Loans Against Property Overdraft

3. Benefits and Advantages of a Loan Against Property Overdraft

4. Important Factors to Consider When Taking a Loan Against Property Overdraft

5. Loans Against Property Overdraft Interest Rates?

Most Common Questions About Loans Against Property Overdraft

1. Who are the best Loans Against Property Overdraft providers?

2. What documents are required for a Loans Against Property Overdraft?

3. What are the eligibility criteria for a Loans Against Property Overdraft?

4. How do I apply for a Loans Against Property Overdraft online?

5. How can I get an instant Loans Against Property Overdraft?

6. What is the percentage rate for Loans Against Property Overdraft?

7. Can I get a Loans Against Property Overdraft with a low CIBIL score?

8. What is the processing fee for a Loans Against Property Overdraft?

9. Can I get a Loans Against Property Overdraft with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application