20+ banks and NBFCs compared
Home purchase loan
Buy a ready flat, villa or independent house anywhere in Bengaluru.
Free home loan advice · Bengaluru
Home loans in Bangalore, including B Khata and E Khata properties
Many banks turn these properties down. We know which of 20+ banks and NBFCs lend on your type of Khata, prepare your file, and stay with you until the loan is disbursed. Free for you.
- Free for you · no advisory fee
- 20+ banks and NBFCs compared
- B, E, Manual and Panchayat Khata
- Jayanagar office · open 7 days
Takes under a minute. Our expert calls you back, 10 AM – 7 PM, all 7 days. No charge from us; lenders charge their own fees.
Google review
“No bank was ready to provide loan…”
Free callback
Get a free callback from our loan expert
Tell us a little about your loan. We'll call you back during office hours, all 7 days, and tell you which lenders suit your property.
What happens next
Our expert calls you back.
During office hours, 10 AM – 7 PM, all 7 days.
Free check of your case.
We look at your income, credit and property papers, and tell you honestly what is possible.
You get your lender options.
We shortlist lenders that suit your property and compare rates and charges with you.
We are a home loan advisor, not a lender, so the final decision on your loan is always the lender's.
- Mon–Sun 10 AM – 7 PM
- Free for you · no advisory fee
Lenders we compare include
and more, 20+ banks and NBFCs in all.
Lender names are shown to identify the lenders we compare. We are not a lender, and this is not a statement of partnership.
Loans we arrange
Every kind of home loan, one team
Buying, building, moving your loan or raising funds against your property. We compare lenders for each.
Construction loan
Build on land you own, with funds released stage by stage.
NRI home loan
Buy or build in Bengaluru while you live and work abroad.
Balance transfer
Move your existing home loan to a lender with a lower rate, if the savings beat the charges.
Plot + construction (composite)
Buy a site and build your home with one loan.
Plot loan
Buy an approved residential site for your future home.
Loan against property
Raise funds for business or personal needs against property you own.
Home improvement loan
Renovate, extend or repair your home.
Top‑up loan
Extra funds on your current home loan, usually at a lower rate than a personal loan.
Our speciality
Refused a loan because of your Khata? You may still have options.
A “no” from one bank is not the final answer. Each bank, NBFC and housing finance company has its own rules for B Khata, E Khata, Manual Khata and Panchayat properties. Some lend on them, often with stricter document checks or a lower loan amount than for an A Khata property. We know which lenders consider which property types, what papers they ask for, and how to put your file together so it is judged on its merits.
What we do with your papers
We read your papers first. Khata certificate and extract, sale deed, EC and tax receipts, before any application goes in.
We approach the right lenders. Only lenders that consider your Khata type, so you don't collect needless rejections.
We coordinate legal and valuation. We work with the lender's lawyer and valuer so checks don't stall your file.
Khata types we handle
- Why banks hesitate
- The property is in the city corporation's tax records but has deviations or approvals pending, such as an unapproved layout or building plan.
- What we do
- We go only to lenders that consider B Khata, and prepare the extra papers their lawyer will check.
- Why banks hesitate
- Lenders now ask for the digital e‑Khata. If it is still pending, or its details don't match the sale deed, the file stops.
- What we do
- We check your e‑Khata against your other papers and tell you what your chosen lender needs.
- Why banks hesitate
- Older, manually issued Khata records are harder for a lender to verify than the digital e‑Khata.
- What we do
- We find out what your records show, what to apply for, and which lenders may consider your property.
- Why banks hesitate
- The property is under a gram panchayat, outside city corporation (formerly BBMP) limits, and some lenders prefer city properties.
- What we do
- We approach lenders that consider panchayat properties and check your e‑Swathu and title papers.
A Khata? A fully approved property usually has the widest choice of lenders.
- ICICI Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.5% – 8% p.a.
- Axis Bank
- Loan amount
- ₹10 lakh – ₹10 crore
- Max tenure
- Up to 25 years
- Interest rate (p.a.)
- 7.5% – 8% p.a.
- LIC Housing Finance
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.4% – 8% p.a.
- Aadhar Housing Finance
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.5% – 8% p.a.
- Jio Financial Services
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.95% p.a.
- PNB Housing Finance
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 8.5% p.a.
- Bajaj Housing Finance
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 8.5% p.a.
| Lender | Interest rate (p.a.) | Loan amount | Max tenure |
|---|---|---|---|
| ICICI Bank | 7.5% – 8% | ₹5 lakh – ₹10 crore | 30 years |
| Axis Bank | 7.5% – 8% | ₹10 lakh – ₹10 crore | 25 years |
| LIC Housing Finance | 7.4% – 8% | ₹5 lakh – ₹10 crore | 30 years |
| Aadhar Housing Finance | 7.5% – 8% | ₹5 lakh – ₹10 crore | 30 years |
| Jio Financial Services | 7.95% | ₹5 lakh – ₹10 crore | 30 years |
| PNB Housing Finance | 8.5% | ₹5 lakh – ₹10 crore | 30 years |
| Bajaj Housing Finance | 8.5% | ₹5 lakh – ₹10 crore | 30 years |
Indicative rates
Indicative ranges. Your final rate depends on your income, credit score, property and lender approval. Not an offer of credit. Last reviewed: Awaiting review.
Areas we cover
B Khata home loans by area
Find lenders and local guidance for your part of Bengaluru.
4 areas 6 areas 3 areas 2 areas West Bengaluru
1 area Bengaluru Rural
Your area not listed?
Ask our expertCompare lenders
Home loan interest rates in Bangalore (indicative)
These are indicative starting ranges at lenders we compare. Your actual rate depends on your income, credit score, property type and the lender’s approval. We check today’s offers for your profile before you apply.
Buying a B Khata property? See B Khata rates
- State Bank of India
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- HDFC Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- ICICI Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- Axis Bank
- Loan amount
- ₹10 lakh – ₹10 crore
- Max tenure
- Up to 25 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- Kotak Mahindra Bank
- Loan amount
- ₹10 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- LIC Housing Finance
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- Punjab National Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- Indian Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.2% – 7.8% p.a.
- Bandhan Bank
- Loan amount
- ₹5 lakh – ₹10 crore
- Max tenure
- Up to 30 years
- Interest rate (p.a.)
- 7.5% – 7.85% p.a.
| Lender | Interest rate (p.a.) | Loan amount | Max tenure |
|---|---|---|---|
| State Bank of India | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| HDFC Bank | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| ICICI Bank | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| Axis Bank | 7.2% – 7.8% | ₹10 lakh – ₹10 crore | 25 years |
| Kotak Mahindra Bank | 7.2% – 7.8% | ₹10 lakh – ₹10 crore | 30 years |
| LIC Housing Finance | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| Punjab National Bank | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| Indian Bank | 7.2% – 7.8% | ₹5 lakh – ₹10 crore | 30 years |
| Bandhan Bank | 7.5% – 7.85% | ₹5 lakh – ₹10 crore | 30 years |
Indicative rates
Indicative ranges. Your final rate depends on your income, credit score, property and lender approval. Not an offer of credit. Last reviewed: Awaiting review.
Rates are indicative and change often. They are not an offer or a guarantee. Lenders decide the final rate, loan amount and terms. Housing Loan in Bangalore is a loan advisor, not a lender.
Why choose us
Why borrowers in Bengaluru choose us
Powered by Profit Tantra Financial Services LLP, part of the Profit Tantra Group.
One conversation, 20+ lenders.
Instead of visiting bank after bank, you speak to one expert who compares banks, NBFCs and housing finance companies for you.
Free for you, start to finish.
Our advice and file support carry no advisory fee, from the first eligibility check to disbursal. Lenders still charge their own processing, legal and valuation fees, and we explain these upfront.
Paperwork, sorted.
We give you a checklist for your case, check your documents and prepare a complete file before it goes to the lender.
Legal and valuation, coordinated.
We work with the lender's lawyer and valuer so their checks don't hold your loan up.
With you to registration.
We follow through to disbursal and help with registration‑day paperwork at the sub‑registrar office.
A real office you can visit.
No. 62, The High Street, 11th Main Road, Jayanagar 4th Block. Open all 7 days, 10 AM – 7 PM.
Recognition
Awards and recognition for our Bangalore home loan team
A few moments from award stages and our office, with the team that works on your home loan file.
Tap a photo to see it larger, swipe for more
Our process
Your loan, handled end to end
The home loan process in Bangalore, in four stages. Here is what you do, what we do and what you get at each one.
Stage 1: Tell us about your loan.
Fill the short form, call or WhatsApp. Our expert calls you back during office hours.
- What you do
- Fill the short form, call or WhatsApp us.
- What we do
- Our expert calls you back during office hours, 10 AM – 7 PM, all 7 days.
- What you get
- One expert to speak to for your whole loan.
Stage 2: Free check of your case.
We look at your income, credit and property papers, and tell you honestly what is possible.
- What you do
- Share your income, credit and property details with us.
- What we do
- We look at your income, credit and property papers.
- What you get
- An honest view of what is possible, free of charge.
Stage 3: Compare and apply.
We shortlist lenders that suit your property, compare rates and charges with you, then prepare and submit your file.
- What you do
- Choose your lender after comparing rates and charges with us.
- What we do
- We shortlist lenders that suit your property, then prepare and submit your file.
- What you get
- A checklist for your case and a complete file before it goes to the lender.
Stage 4: Through to disbursal.
We coordinate the lender's legal and valuation checks, and stay with you until the money is released and the property is registered.
- What you do
- Sign the loan papers and complete registration.
- What we do
- We coordinate the lender's legal and valuation checks and help with registration‑day paperwork.
- What you get
- Your loan disbursed and your property registered, with us beside you until the end.
Home loan EMI calculator
Move the sliders to see your monthly EMI, total interest and total payment. It’s a quick estimate; your lender’s figures may differ slightly.
Monthly EMI
₹43,391 per month
- Total interest
- ₹54,13,879
- Total amount payable
- ₹1,04,13,879
- Principal ₹50,00,000 (48%)
- Interest ₹54,13,879 (52%)
Want to know how much you can actually borrow?
Check my eligibility for freeResults are estimates for illustration only and are not a loan offer.
Google reviews
What our clients say
Questions we hear every day
Your questions, answered
Straight answers on Khata, documents, fees and timelines. If yours isn't here, just ask.
Still have a question?
Call or WhatsApp our expert. It's free, and there's no obligation.
Open all 7 days, 10 AM – 7 PM
My bank rejected my home loan because the property is B Khata. Can I still get a loan?
Often, yes. One bank's “no” usually reflects that bank's own policy, not every lender's. Some banks, NBFCs and housing finance companies do lend on B Khata properties, usually with stricter document checks and sometimes a lower loan amount or a slightly higher rate than for an A Khata property. Whether a lender will consider yours depends on the title, the layout, the construction and your income. Share your details and we'll tell you honestly which lenders may consider it.
Is B Khata legal? Is it safe to buy a B Khata property?
B Khata means the property is entered in the city's tax records but has deviations or approvals pending, such as an unapproved layout or building plan. It lets you pay property tax, but it is not the same as full approval, and it does not by itself prove clear title. Before you buy, have a property lawyer check the title and documents; the lender's lawyer will also do their own check. We can explain what lenders look for, but we don't give legal opinions.
What is the difference between A Khata, B Khata and E Khata?
A Khata is for properties that meet the city's building and layout rules. B Khata is for properties that are in the tax records but have deviations or pending approvals. E Khata is the digital Khata issued through the government's online system; it is a format, and it shows whether the property is A or B Khata. Since 2025, Bengaluru's city administration has moved from BBMP to the Greater Bengaluru Authority and five city corporations. Rules change from time to time, so we check your papers against the current requirements.
Is e‑Khata mandatory to register a property or get a home loan?
For most properties within Bengaluru city limits, the sub‑registrar's office asks for an e‑Khata at registration, and lenders ask for it too. If you don't have one yet, apply early, because it can take time. We'll tell you what your chosen lender needs for your property.
Should I convert my B Khata to A Khata before taking a loan?
It depends on your property and your timeline. Conversion can widen your choice of lenders, but it has costs and takes time, and the government's conversion schemes have had their own rules on eligibility, fees and deadlines (for example, the 2025 scheme covered sites but not flats). If you need the loan soon, a lender that accepts B Khata may be the practical route. We'll go through both options with you.
Do you charge for your help?
No. Our advice and file support carry no fee for borrowers: no consultation fee and no file charge. Lenders still charge their own processing, legal and valuation fees, and we tell you about these before you apply. We are a home loan advisor, not a lender, so the final decision on your loan is always the lender's.
How long does a home loan take?
It depends on the lender, your documents and the property. Loans on B Khata, E Khata and other Khata properties usually take a little longer, because the lender's legal and technical checks are more detailed. Once we've seen your papers, we'll give you a realistic timeline for your case.
What documents will I need?
- ID and address: PAN, Aadhaar and address proof.
- Income: salary slips, Form 16 and bank statements if you are salaried; ITRs and bank statements if you are self‑employed.
- Property: sale deed or sale agreement, Khata certificate and extract (e‑Khata), property tax receipts, encumbrance certificate (EC), and the approved plan where there is one.
Every case is a little different, so we give you a checklist for yours.
More answers on our FAQ page
Still have a question?
Call or WhatsApp our expert. It's free, and there's no obligation.
Open all 7 days, 10 AM – 7 PM
- Free for you, no obligation
- 20+ banks and NBFCs compared
Not sure where your loan stands? Ask us. It's free.
Tell us about your property and your loan. Our expert will tell you which lenders suit your case and what you may be able to borrow, with no obligation.
Open all 7 days, 10 AM – 7 PM
No. 62, The High Street, Jayanagar 4th BlockGet directions (opens Google Maps in a new tab)