AU Small Finance Bank Loan Against Property

Interest rates start from 12 p.a. As of 2026. The final rate depends on borrower category, loan amount, and property type. Salaried applicants with CIBIL 750+ may get rates starting from 12 p.a.

AU Small Finance Bank offers loan against property up to ₹5 crore. The actual sanctioned amount depends on property valuation and income eligibility. For properties valued at ₹6.67 crore, LTV can go up to 75%.

Borrowers must be between 21 and 65 years of age with minimum gross monthly income of ₹25,000. Self-employed and salaried applicants with CIBIL score 700+ are eligible. The property must be complete, with clear title and no litigation.

Yes, AU Small Finance Bank charges a processing fee of 1.00% of the loan amount, with a minimum of ₹10,000 and maximum of ₹25,000. The fee is non-refundable even if the loan is not disbursed. As per 2025 data, this fee structure was consistent across urban and rural branches.

The maximum repayment tenure is 20 years. Tenure is linked to the age of the applicant and property condition. Loans for applicants aged 30 can be structured up to 20 years, while those aged 50 may get up to 15 years.

Yes, you can prepay your floating-rate loan against property without any prepayment charges. This is in line with RBI guidelines effective from January 2026. Fixed-rate loans may attract a nominal foreclosure fee of up to 2%.

You need KYC documents, 6 months' bank statements, salary slips or ITR for self-employed, and property papers including title deed and valuation report. For self-employed applicants, audited financials for last 2 years are mandatory. The bank also requires a technical and legal opinion on the property.