A property can be much more than a house, office, shop, or piece of land.
For many borrowers, it can also become a source of substantial funding.
That is where a Loan Against Property (LAP) comes in. Instead of selling your property when you need a large amount of money, you can mortgage it to a bank and raise funds against its value. The money can be used for business expansion, working capital, education, medical expenses, debt consolidation, or other permitted financial requirements.
But there is one question people usually ask first:
“How much loan can I actually get against my property?”
There is no single answer. The sanctioned amount depends on the property's market value, the bank's loan-to-value ratio, your income, credit profile, repayment capacity, property type, and the specific LAP product.
That said, several banks in India publish relatively high maximum loan limits. Here are 10 banks worth knowing about.
1. Federal Bank
Federal Bank's Property Power scheme stands out for borrowers looking for a high-value loan against property. The bank states that customers can avail a loan amount of up to ₹20 crore, subject to applicable conditions.
The facility can be taken against eligible residential premises, plots of land, and commercial properties. Federal Bank also provides the option of availing the facility as an overdraft or term loan.
For someone sitting on a valuable property but facing a major funding requirement, a ₹20 crore ceiling can make the conversation considerably bigger than a conventional personal loan.
2. Indian Overseas Bank (IOB)
Indian Overseas Bank also features a high-value Loan Against Property offering.
According to an IOB publication describing its LAP scheme, the maximum loan amount is up to ₹20 crore for individuals and up to ₹40 crore for non-individuals.
The scheme can be availed against self-occupied as well as let-out properties. The published repayment period extends up to 15 years for higher loan amounts.
This makes IOB relevant particularly for borrowers and businesses dealing with larger-ticket funding requirements.
3. IDFC FIRST Bank
IDFC FIRST Bank offers a Loan Against Property of up to ₹15 crore.
One of the interesting things here is that the bank states funding can go up to 80% of the property's current market value, subject to eligibility. It also supports residential, commercial, industrial and other eligible property types.
The bank offers repayment tenures of up to 25 years or 300 months, which can help spread the repayment burden over a longer period.
4. State Bank of India (SBI)
SBI has multiple asset-backed lending structures, so the applicable maximum depends on the product.
Its published business-loan booklet lists Asset Backed Loan (Saral) with finance above ₹10 lakh up to ₹5 crore, while SBI ABL is listed for loans above ₹5 crore up to ₹20 crore. The booklet also states margins based on the realizable value of the immovable property.
So, when someone says “SBI loan against property,” it is important to understand which product they are actually referring to.
5. Kotak Mahindra Bank
Kotak Mahindra Bank offers Loan Against Property for personal as well as business requirements.
Its business LAP page states that loan values can range from ₹10 lakh to ₹5 crore, while another Kotak mortgage page states that mortgage loans can go as high as ₹10 crore, depending on the applicable product and borrower profile.
This is a useful reminder that loan limits should not be compared purely by a bank's name. Different products under the same bank may have very different ceilings.
6. Bank of Maharashtra
Bank of Maharashtra offers a dedicated Loan Against Property for Individuals scheme.
For properties located in metropolitan centres, the published maximum loan amount is ₹10 crore. For properties in other centres, the maximum is ₹5 crore.
The bank also states that the loan amount depends on repayment capacity and applicable property-value margins.
So location can matter almost as much as the property itself.
7. Bank of Baroda
Bank of Baroda offers its Baroda Mortgage Loan for borrowers looking to raise funds against immovable property.
The bank's mortgage loan information states a higher limit of up to ₹10 crore for its individual mortgage offering. It also provides other mortgage structures, including facilities linked to future rent receivables, where the published loan amount can be substantially higher.
For borrowers with commercial property and strong repayment capacity, the structure of the facility becomes particularly important.
8. HDFC Bank
HDFC Bank's Loan Against Property offering is available to both salaried and self-employed borrowers.
For its standard LAP product, the bank describes funding in relation to property value, stating that for new customers the loan generally should not exceed 50% of the property's market value, while existing customers may have cumulative exposure of up to 60% of the mortgaged property's assessed market value, subject to conditions.
For MSMEs, HDFC Bank separately offers an Overdraft Against Property of up to ₹10 crore against residential, commercial, or industrial property.
This makes HDFC particularly interesting for business owners who prefer an overdraft structure rather than a conventional lump-sum loan.
9. Axis Bank
Axis Bank is another established lender offering Loan Against Property facilities.
Current market comparison data places the commonly stated LAP range at around ₹5 lakh to ₹5 crore for Axis Bank, although the exact amount available to a borrower depends on the product, property value, income and credit assessment.
This is a good example of why the advertised maximum should never be treated as a guaranteed sanction.
Two people owning properties worth the same amount can receive very different loan offers because their repayment capacity and financial profiles may differ.
10. ICICI Bank
ICICI Bank provides mortgage and Loan Against Property facilities for different customer segments.
Current lender comparison data places the LAP loan amount at up to ₹5 crore, while ICICI Bank has also publicly stated loan availability up to ₹5 crore under specialised mortgage offerings.
The applicable interest rate and sanction amount can vary based on factors such as the borrower's profile, loan size and property characteristics.
Loan Amount Comparison at a Glance
What Determines How Much You Actually Get?
The maximum advertised amount is only one part of the story.
The bank will generally look at the market value of the property, its type and location, your income, existing liabilities, credit history, repayment capacity and the bank's applicable LTV or margin requirements.
For instance, having a property worth ₹2 crore does not automatically mean you can borrow ₹1.5 crore or ₹2 crore. A bank may apply a specific LTV percentage and then further assess whether your income is sufficient to service the resulting EMI.
Property documentation matters too. Clear ownership, acceptable title documents and successful legal and technical verification are important parts of the approval process.
Should You Choose a Bank Only Because It Offers a High Loan Amount?
Not necessarily.
A ₹20 crore maximum may sound impressive, but most borrowers do not actually need that much. What matters is whether the lender's loan structure fits your requirement.
Before applying, compare the interest rate, processing fee, LTV, repayment tenure, foreclosure or prepayment conditions, eligible property types and income requirements.
And one more thing deserves attention: your property is the security for the loan. If you fail to repay according to the loan agreement, the lender can take enforcement action against the mortgaged property.
So the smarter question is not simply, “Which bank gives the biggest loan?”
It is:
“Which loan amount can I comfortably repay without putting my property at unnecessary risk?”
That is where a Loan Against Property starts making financial sense - not when the loan is simply large, but when the funding is useful, affordable and aligned with your long-term financial plan.
