Depending on your income, credit score, and property approval, the majority of lenders in India finance up to 75% to 90% of the property value. Like, for qualified customers, SBI and HDFC frequently finance up to 90% of the cost of real estate.
Loan-to-Value (LTV): This is the percentage of the property cost a lender will finance. Most banks provide up to 90% LTV, depending on the property’s value and regulations.
Interest can vary across lenders and borrower profiles. Rates usually range based on RBI repo rate movements and credit score. Choose competitive floating or fixed rates.
Banks assess income, employment type, age, credit score, and existing liabilities. Higher loan requests require stronger financials and may need co-applicants.
Processing fees: Include evaluation, documentation, legal, and insurance costs before finalizing.
Here are a few top lenders with high loan limits:
Bank of Baroda – up to Rs 20 crore (highest among major banks).
Bajaj Housing Finance – up to Rs 15 crore.
PNB Housing Finance – up to Rs 15 crore.
Godrej Housing Finance – up to Rs 10 crore.
I hope you understood which bank offers a high home loan for under construction property.
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There is no single bank in India that always gives the highest home loan for under construction property. Different banks and housing finance lenders offer varying loan limits, interest rates, and eligibility criteria. Among public and private lenders, Bank of Baroda stands out for offering some of the highest loan limits for home and construction finance in India. I have shared more details about it below.
Which India Banks Offer High Under Construction Home Loan?
According to official terms, Bank of Baroda’s home loan products provide a maximum loan amount of up to Rs 20 crore in Mumbai. This bank offer loan with tiered limits for other regions up to Rs 7.50 crore in Hyderabad, New Delhi, and Bengaluru, Rs 5 crore in other metros, Rs 3 crore in urban areas, and Rs 1 crore in semi-urban or rural areas.
Apart from BOB, other lenders also offer significant funding for under-construction properties. Like:
Bajaj Housing Finance and PNB Housing Finance provide loans up to Rs 15 crore.
Godrej Housing Finance offers up to Rs 10 crore with flexible repayment and up to 90% LTV.
However, loan approval and disbursement are subject to credit assessment, property value, income, and repayment capacity. Large loans like Rs 20 Crore are generally available to high-net-worth individuals, successful entrepreneurs, or professionals with strong financial profiles. Hope you found this helpful.
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Which Bank Gives the Highest Loan for Under-Construction Property?
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2026-02-17T09:42:49+00:00 2026-02-28T11:41:02+00:00Comment
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