✓ Authorised DSA Partner
Home Loan
Federal Bank Home Loan
Federal Bank offers competitive home loans with attractive interest rates starting at 7.30% p.a., flexible tenure up to 30 years, and strong digital support for fast approvals within 3–6 days.
7.30%–10.50%
Interest Rate (p.a.)
Up to ₹15Cr
Loan Amount
Up to 30 Years
Max Tenure
Up to 1% + GST
Processing Fee (Max ₹2L)
NIL
Prepayment (Floating Rate)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 Federal Home Loan
7.30% – 10.50%
Up to ₹15Cr
Up to 1% + GST
Up to 30 Years
NIL
🏗️ Under Construction Home Loan
7.30% – 10.50%
Up to ₹15Cr
Up to 1% + GST
Up to 30 Years
NIL
🔑 Balance Transfer
7.30% Onward
Up to ₹15Cr
Up to 1% + GST
Residual Tenure
NIL
🏘️ Affordable Housing
~8.40% – 9.50%
Up to ₹50L+
Lower Fee
Up to 30 Years
NIL
📑 Required Property Documents – Home Loan
Sale Agreement / Agreement to Sell
Title Deed / Sale Deed (chain of ownership)
Approved Building Plan from Authority
NOC from Builder / Housing Society
Property Tax Receipts (latest)
Occupancy Certificate (for ready property)
Encumbrance Certificate (last 13 years)
Allotment Letter (for under-construction)
Loan Against Property
Federal Bank LAP
Unlock the equity in your property with Federal Bank’s Loan Against Property — competitive rates from 8.15%, high LTV up to 65–70% and flexible end-use.
8.5%–10.50%
Interest Rate (p.a.)
Up to ₹20Cr
Loan Amount
Up to 15 Years
Tenure
Up to 1.5% + GST
Processing Fee
Up to 65–70%
Max LTV
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 Residential LAP
8.15% – 10.00%
Up to ₹20Cr
Up to 1.5% + GST
Up to 15 Years
NIL
🏬 Commercial LAP
~10% – 13.50%
₹10L – ₹5Cr
Up to 1.5% + GST
Up to 15 Years
NIL
🔄 LAP Balance Transfer
9.50% Onward
As per valuation
Up to 1.5% + GST
Residual Tenure
NIL
📑 Required Property Documents – Loan Against Property
Ownership Proof (Sale Deed / Title Deed)
Property Valuation Report from Bank’s Empanelled Valuer
Chain of Documents (all prior sale deeds)
Encumbrance Certificate
Property Tax Receipts (latest)
Approved Building Plan / Layout Plan
NOC from Society / RWA (if applicable)
Rent Agreement (if rental income property)
Personal Loan
Federal Bank Personal Loan
Get personal loans up to ₹50L with Federal Bank. Pre-approved offers for existing customers, minimal documentation, and fast processing for selected applicants.
11.99%–22.50%
Interest Rate (p.a.)
Up to ₹50L
Loan Amount
Up to 120 Months
Max Tenure
Up to 3% + GST
Processing Fee
Instant
Approval (Pre-approved Users)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
👔 Salaried Personal Loan
11.99% – 22.50%
Up to ₹50L
Up to 3% + GST
12–60 Months
2%–5%
💼 Self-Employed Personal Loan
~11.99% – 22.50%
Up to ₹50L
Up to 3% + GST
12–60 Months
2%–5%
⚡ Pre-approved Personal Loan
11.99% Onward
Up to ₹50L
Low/Nil
Up to 60 Months
2%–3%
Business Loan
Federal Bank Business Loan
Fuel your business growth with Federal Bank’s business loans. Quick approvals in 3–7 days with minimal documentation for businesses with 2–3 years vintage.
10.85%–17.75%
Interest Rate (p.a.)
₹20Cr+
Loan Amount
Up to 120 Months
Max Tenure
Up to 3% + GST
Processing Fee
3–7 Days
Approval Time
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
🏢 Unsecured Business Loan
10.85% – 17.75%
₹20Cr+
Up to 2% + GST
12–120 Months
3%–5%
🔄 OD/CC Facility
~10.85% – 17.75%
₹5L – ₹1Cr+
Up to 2% + GST
Flexible
Flexible
⚡ Pre-approved Business Loan
~10.85% – 17.75%
Up to ₹1Cr+
Minimal
Up to 120 Months
Varies
Loan Against Securities
Federal Bank Loan Against Securities
Leverage your investment portfolio with Federal Bank’s Loan Against Securities. Get liquidity against mutual funds, shares, bonds, and insurance policies without liquidating your investments — up to 50% of security value.
12.50%
Interest Rate (p.a.)
Up to ₹20L
Loan Amount (50% of security)
12 Months
Tenure (Renewable)
Up to 70–80%
Max LTV
NIL / Minimal
Charges
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Foreclosure
📊 Against Mutual Funds
12.50%
Up to ₹20L (50% of security)
0.5%–1%
12 Months
NIL
📈 Against Shares
12.50%
Up to ₹20L (50% of security)
0.5%–1%
12 Months
NIL
🏦 Against Bonds / Insurance
12.50%
Up to ₹20L+ (50% of security)
Minimal
Flexible
NIL
Eligibility Criteria
Who Can Apply?
Select your loan type to view the relevant eligibility requirements.
🏠 Home Loan
Eligibility – Federal Bank Home Loan
- Salaried or Self-Employed Indian Resident / NRI
- Age: 18–70 years (loan must close before age 70)
- Min. income: ~₹25,000/month (salaried)
- Min. CIBIL Score: 700+
- Employment: Min. 2 years (3 years for SEP/business)
- Property in Federal Bank-approved locations / jurisdictions
- Approval Time: 3–6 working days
🏢 Loan Against Property
Eligibility – Federal Bank LAP
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ~₹30,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial (LTV up to 65–70%)
👤 Personal Loan
Eligibility – Federal Bank Personal Loan
- Salaried employees of reputed companies
- Self-employed professionals and business owners
- Min. salary: ~₹25,000/month
- Min. CIBIL Score: 720+
- Age: 21–58 years (salaried); 21–65 years (self-employed)
- Min. 1 year employment / 2 years business continuity
💼 Business Loan
Eligibility – Federal Bank Business Loan
- Proprietorship, Partnership, Pvt. Ltd., or LLP
- Business vintage: Minimum 2–3 years
- Min. annual turnover as per bank norms
- CIBIL Score: 700+
- Age: Proprietor/Director 21–65 years
- ITR filing required for last 2 years
📈 Loan Against Securities
Eligibility – Federal Bank Loan Against Securities
- Individual investors with Demat holdings
- Eligible securities: Mutual Funds, Listed Shares, Bonds, Insurance Policies
- Min. portfolio value as per bank’s approved list
- CIBIL Score: 700+
- Age: 18–70 years
- Demat account with Federal Bank or other approved depositories
Why Federal Bank
Key Benefits
Unmatched advantages that make Federal Bank a top choice for home, property, personal, and investment-backed loans across India.
India’s Trusted Private Bank
Federal Bank is one of India’s leading private sector banks with a strong retail and secured lending focus and decades of financial excellence.
Digital Loan Support
Strong digital loan support with seamless online processing, e-sign capabilities and reliable customer service throughout.
Competitive Interest Rates
Home loan rates starting at 7.30% p.a. across all loan segments — secured and unsecured — with flexible repayment options.
Transparent Pricing
No hidden charges. All fees disclosed upfront — processing, legal, and valuation are clearly stated at sanction.
Strong Secured Lending
Federal Bank has a strong presence in retail and secured lending with Loan Against Securities, Home Loans, and LAP products.
Quick Processing
Quick loan processing with digital support and flexible repayment options tailored to borrower needs.
Why Apply Through Us
Your Advantage with Us
We’re an authorised Federal Bank DSA partner — not a random aggregator. Here’s what you get.
Zero Cost Service
Our consultation, eligibility check, documentation support and follow-up is completely free of charge.
Complete Property Check
We verify legal paperwork, missing approvals, builder track record and hidden market value before you commit.
Direct Bank Access
Skip the queue — our direct bank relationship means faster processing and access to special rate offers.
Multi-Bank Comparison
We compare across 20+ lenders so you always land the best rate, not just Federal Bank’s standard offer.
End-to-End Support
From application to disbursal and even post-loan queries — one point of contact for everything.
Data Privacy
Your documents and personal data are handled with bank-level confidentiality. Never shared without consent.
Apply Now
Get Your Free Consultation
Fill the form below — our loan expert will call you within 30 minutes.
Let us get you the best loan deal
No obligation. No spam. Just a quick call from our certified loan advisor.
- ✓ Free eligibility check in 2 minutes
- ✓ Zero documentation hassle
- ✓ Best rate negotiation on your behalf
- ✓ No hidden charges, ever
- ✓ Callback within 30 minutes
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⚠️ Important Disclaimer
We are an authorised DSA (Direct Selling Agent) partner of Federal Bank and other lenders. We are not a direct lender and do not disburse loans ourselves. Our service is a free facilitation service to assist borrowers with their loan applications. Final loan approval, interest rates, loan amount, tenure, terms and conditions are solely at the discretion of the respective bank or NBFC.
Interest rates, processing fees and eligibility criteria shown are indicative and subject to change at the time of sanction based on your credit profile, income, applicable RBI guidelines, and Federal Bank’s internal credit policy. All loan applications are subject to Federal Bank’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing.
Common Questions
Frequently Asked Questions
Federal Bank generally requires a minimum CIBIL score of 700 for home loans and LAP, and 720+ for personal loans. A score of 750+ improves your chances of getting the lowest interest rate. If your score is below the threshold, we can guide you on improving it before applying.
Federal Bank typically approves home loans within 3–6 working days for complete applications. With our DSA assistance, we ensure all documents are in order to avoid delays — often getting approvals faster for eligible applicants with a strong profile.
Yes. Federal Bank offers an Under Construction Home Loan. The loan is disbursed in tranches linked to construction stages. Interest is payable only on the disbursed amount during construction (Pre-EMI), and full EMIs begin after final disbursement.
A Loan Against Securities lets you borrow money by pledging your investments — mutual funds, shares, bonds, or insurance policies — as collateral. You retain ownership of your investments and can continue earning returns. Federal Bank offers LAS up to ₹20L with up to 50% of the value of the security pledged against eligible securities. Demat holdings are required.
No. As per RBI guidelines, there is no prepayment penalty on floating rate home loans from Federal Bank. Home loans are primarily offered on floating rates, so prepayment and part-payment are completely free at any time during the loan tenure.
For salaried applicants: PAN, Aadhaar, last 3 months’ salary slips, last 6 months’ bank statements, and Form 16. For self-employed: PAN, Aadhaar, last 2 years’ ITR, bank statements, and business proof. Additionally, property documents including sale deed, approved building plan, and encumbrance certificate are required.
Federal Bank offers LTV (Loan-to-Value) of up to 65% for commercial properties and up to 70% for residential properties under LAP. The exact LTV depends on the property valuation, location, and your credit profile. The property must have a clear title and be free of any encumbrances.
Absolutely not. Our service is 100% free for borrowers. We earn a referral fee from the bank — not from you. There is no consultation charge, documentation charge, or any other fee from our side. You only pay the bank’s standard processing fee which is the same whether you apply directly or through us.