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About Overdraft Against Property Loan?

Overdraft Against Property is a flexible product offering Overdraft facility against residential or commercial property. It also allows you to fulfill your short term and long term business requirements, be it working capital requirement or business expansion by unlocking the potential of your property.

  • Documents Required
  • Benefits of OAP
  • Intrest Rates
  • EMI Cal

»  Last 3 months' salary slips.
»  Bank Statement for last 9 months from salary account .
»  Repayment details on any existing loans or loan closure letter.
»  Photo Identity Proof(Voter's ID card or driving license or PAN card or photo credit card or employees ID card or defense or police or government department ID card.
»  Brief statement of assets and liabilities, of the Co-borrower.
»  Proof of Income.

» An overdraft is flexible - you only borrow what you need at the time which may make it cheaper than a loan.

» You only pay for the funds you use.

» It's quick to arrange.

» There is not normally a charge for paying off the overdraft earlier than expected.

Overdraft Against Property Loan Rate of Interest
Banks Interest Rate Banks Interest Rate
ICICI Bank 11.50% - 17% HDFC Bank 12.00% - 14.25%
State Bank Of India 9.95% LIC Housing 10.25%
AXIS Bank 10.25% IDBI 10.25%
Standard Chartered 9.99%-10.15% Citibank 10.50%-10.75%
India Bulls 10.15%-10.75% Allahabad Bank 10.20%-10.45%
Union Bank of India 10.25% UCO Bank 10.20%
Punjab National Bank 10.25% OBC 10.25%

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