Compare NRI home loans, commercial property loans, land loans and loans against property in India, from wherever you live. Sharma Uncle does the running around. You just sip.
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Tell Uncle what you need and where you live. See which lenders fit before you talk to anyone. No documents, no spam.
Two-minute check. See which lenders fit before you talk to anyone.
This is a preliminary guide, not an approval. Final eligibility is subject to lender assessment and documentation.
Most NRI finance sites stop at home loans. We cover the full range of property-backed financing available to NRIs and OCIs in India, matched to what you're actually trying to do.
Finance for ready-to-move and resale residential property, structured around NRE/NRO income and repayment.
See home loans →Loans tied to builder construction stages, with pre-EMI options while the project is being completed.
Read the guide →Financing for offices, shops, retail units and warehouses, a category most NRI-loan sites don't cover at all.
Read the guide →Financing for approved residential plots, with or without a linked construction plan.
Read the guide →Borrow against property you already own in India for any documented end-use.
Read the guide →Move an existing home loan to a better lender, typically once a repayment track record is in place.
Read the guide →From "where do I start" to a shortlisted lender.
Country of residence, property type and loan amount. Two minutes, no documents.
Loan Match shows which banks and NBFCs actually serve your profile, sourced from our lender database.
Rate, LTV, tenure and fees side by side, with a verification date on every figure.
We help assemble documentation and coordinate with the lender. Approval remains the lender's decision.
We separate official lender-published rates from indicative market ranges, and show when each was last checked. No number appears without a source.
| Lender | Product | Indicative rate* | Max LTV | Tenure |
|---|---|---|---|---|
| SBI | NRI Home Loan | 7.25% – 8.45% | Up to 90% | Up to 30 yrs |
| HDFC Bank | NRI Loan Against Property | 8.55% – 13.00% | Up to 65% | Up to 15 yrs |
| ICICI Bank | NRI Commercial Property Loan | 10.85% – 12.50% | Up to 75% | Up to 15 yrs |
*Pulled from each bank's own published rate pages, September 2026. These are the bank's publicly listed ranges, not a rate quoted to a specific applicant. Actual offer depends on credit score, loan amount and profile, and SBI's 90% LTV applies to loans up to ₹30L only (tapering to 75% above ₹75L). Confirm current figures directly with the lender before quoting a client.
Local income documentation, NRE/NRO and POA considerations differ by geography. Each page has genuinely local content, not a template with the country name swapped.
Every rate, fee and LTV figure links back to an official lender source or is clearly labelled indicative.
Financial figures show when they were last checked. Stale numbers are removed, not left live.
Finance content carries an author and reviewer, not an anonymous byline.
We compare across banks and NBFCs. We don't push one panel because it pays more.
Yes. Most major Indian banks and several NBFCs lend to NRIs for residential property, typically against NRE/NRO income and standard KYC plus overseas-employment documentation. Terms vary by lender and by the applicant's country of residence.
Yes, from lenders that have approved the specific project. Disbursement is usually linked to construction stages, with a pre-EMI option until the full loan is disbursed.
Select lenders finance office, shop, retail and warehouse purchases for NRIs, though fewer lenders offer this than residential loans. Coverage by lender is detailed on our commercial property guide.
Often yes, using a registered Power of Attorney and video-KYC or embassy-attested documentation, though this varies by lender. We cover POA specifics on each lender's page.
Yes. Balance transfer and top-up loans are available from several lenders, typically once a minimum repayment track record has been established.