Top List of Loans Against Property Overdraft in Indore as on Oct 05, 2025

Universal Solution

South Tukoganj, Indore, 452001

5.0/5 Based on 1 Reviews

+918069831790

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 4.6

Universal Solution, located in South Tukoganj, Indore, is a well-known financial service provider offering a variety of loan options to meet diverse needs. They specialize in business loans, personal loans, home loans, education loans, and vehicle loans. Established with a focus on customer satisfaction, Universal Solution provides personalized financial assistance, ensuring a smooth and hassle-free process for clients. The company offers more than 25 different types of loans, including mortgage and unsecured loans, catering to both individuals and businesses. With a team of experienced professionals, Universal Solution is dedicated to helping clients choose the best financial solutions based on their requirements

Available Loan Types:

Offering 25+ different types of loans

Loan Amount Range:

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

Pawan Kumar from Indore

"Good services with economical prices"

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A S Enterprises

Indore, 452001

Loans

Response Time: Within 15 MinsSulekha score: 3.3

Welcome to A S Enterprises, your one-stop destination for all your loan needs. Located in the heart of Sector 3, we have been serving our customers since our establishment in 0. Our team of dedicated employees is here to assist you with a wide range of services, including home loans, business loans, mortgage loans, personal loans, and more. We also specialize in catering to CIBIL and Non-CIBIL defaulters, with a range of loan options to suit your needs. Our working hours are flexible, ensuring that we can accommodate your busy schedule. Trust us to help you embark on your journey to financial success with our reliable and efficient services.

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Fedbank Financial Services Ltd

Sneh Nagar Road Tower Chauraha, Indore, 452001

Unverified

Loans

Leverage the expertise of Fedfina to unlock the full potential of your gold assets through our specialized gold loan solutions. Experience a seamless borrowing process with our comprehensive range of services tailored to your needs. Benefit from swift processing, flexible repayment options, competitive interest rates, hassle-free documentation, and even doorstep loan services. With our extensive network and Pan India presence, accessing our convenient doorstep loan services is effortless. Trust Fedfina to maximize the value of your gold assets and guide you toward achieving your financial goals. Discover the convenience and reliability of Fedfina's gold loan services today.

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Fedbank Financial Services Ltd

Scheme No.54, Indore, 452010

Unverified

Loans

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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 in Indore?

Universal Solution
A S Enterprises
Fedbank Financial Services Ltd

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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4.6

Based on 15 Reviews

Ghanshyam Bhatheja Indore H O

02 May, 2019

Shreeneelkanth legal services ki service Bahut achi hai Aur ennone mera loan 10 Din main kiya tha Inki service best hai thanks to shree neelkanth legal services

Santosh Indore H O

25 Apr, 2019

My Experience is best of this Company and my financial need fulfill in 10 Working days Thanks for shree Neelkanth and help for my bad time Once again thank you so much.

Santosh kaithwas Indore H O

Ecxilant services i need to personal Loan for urgant basis and shree neelkanth Leagal services helped to me for the loan disbursement in my a/c in tow days. thanks to shree neelkanth.

Hansraj Manorama Ganj

14 Jun, 2016

I was in need of mortgage loan of 2 crore, i was not able to get my loan done from all possible means in last one year, than I contacted CA Varun Laalwani and he got my loan done in 14 days...excellent service..i m very happy and strongly appreciate and recommend Varun sir.

Top Loans Against Property Overdraft Providers in Indore

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Top List of Loans Against Property Overdraft in Indore as on Oct 05, 2025

Universal Solution

A S Enterprises

Fedbank Financial Services Ltd

Fedbank Financial Services Ltd

Latest User Reviews for Loans Against Property Overdraft in Indore

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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 in Indore?

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