SBI Bank, HDFC Bank, ICICI Bank, ABFL or SGFL: which lender for which customer?

Matching the customer to the right lender is the biggest driver of approvals. Think in order: purpose, property, profile, then price. Figures below are as published and checked on 24 Oct 2026, so confirm in the app before quoting.

Loan Against Property

• SBI Bank: 10.30%–11.85%; ₹10 lakh–₹7.5 crore; 65% LTV (60% above ₹1 crore); personal purposes only; no prepayment penalty
• HDFC Bank: 8.55%–13.00%; up to 65% of market value; personal and business use
• ICICI Bank: 10.60%–12.25% in its latest published table; up to 75%; credit score 700+
• ABFL: 7.75%–20.00%, set at approval; ₹5 lakh–₹25 crore; up to 75%; credit score 675+
• SGFL: rate, amount and LTV confirmed in the sanction letter

Home Loan

• SBI Bank: 7.50%* onwards (w.e.f. 15.10.2026), by CIBIL score; no pre-payment penalty
• HDFC Bank: 8.00%–13.45%; shows 8.50% for scores of 800+ on 15, 20 and 30-year loans
• ICICI Bank: 8.50% onwards; up to ₹10 crore; fee up to 2% + taxes
• ABFL: 7.75%–20.00%, set at approval; up to ₹25 crore; first-time buyer range

Quick rules

• Business purpose: not SBI Bank LAP
• Highest LTV: ICICI Bank or ABFL, up to 75%
• Credit score 675 to 699: ABFL's listed floor is lower than ICICI Bank's
• Home loans: check the builder's approved lenders first