JoyHome LoanPlot Loan

Plot Loan

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Help me with loan for my Thrilling Plot.

  • Expert of all properties and income
  • Up to 80% loan, fast approval
  • Long tenure, high eligibility
  • Low rate of interest from top banks
  • Plot purchase and construction loan approval
  • PMAY, income tax benefits with composite loan
  • 100s of happy customers

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Institutions We Deal With…

We connect you with the right lender for your needs.

Best Plot Loan Rate of Interest 2022

Best banks offer for plot loan interest rates

Bank's / NBFCLowest Rate Offer
Axis Bank Plot Loan Interest Rate7.60%
HDFC Plot Loan Interest Rate8.10%
ICICI Plot Loan Interest Rate8.10%
LIC Plot Loan Interest Rate7.70%
PNB Plot Loan Interest Rate8.50%
SBI Plot Loan Interest Rate7.85%

Loan for Plot Purchase and Construction

For most locations, banks give loan for plot purchase and construction. With this, the property becomes productive, plus you get PMAY and tax benefits.

Plot LocationPlot Plus Construction
Authority Allotted PlotOptional
Approved Builder Allotted PlotOptional
Plot in Approved ColonyOptional (higher rate for plot-only loan)
Plot in Extended Lal DoraOptional (higher rate for plot-only loan)
Plot in Lal Dora / Gram Panchayat LandOptional (higher rate for plot-only loan)
Plot in Unauthorized Colony (with sale deed)Optional (higher rate for plot-only loan)

Joy Loan: Expert Assistance, Express Fast Service

Our expert advice guarantees excellent offers better than our competitors. We get you tremendous time and money-saving loans from top banks. 

For non-standard cases, we charge a “fraction of the cost” you will spend with our competitors. This is why hundreds of customers like you choose us over our competitors.

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Loan EMI Calculator


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Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. This calculation does not constitute a quote, loan approval, agreement or advice by Joy Loan. It does not take into account your personal or financial circumstances.

FAQ Plot Loan

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PMAY subsidy is only for buying built-up homes or construction of homes. So, you can only get this benefit with a plot plus construction loan.

Banks prefer to offer composite loans for plot purchase and construction.

They disburse plot loan at the time of registry of plot. Remaining construction loan is disbursed in 3 to 5 installments basis on construction progress.

You can get loan for plot purchase and construction in an unapproved colony

* Sale deed should be open at the location
* Sale deed should be as residential land
* A new site must have at least 30% built-up houses.

You can get plot and construction loan for these areas

* Registry should be open
* Registry should be as residential plot
* A new site must be at-least 30% populated

* Sale deed can be directly from farmer (Kisan)
* In Uttar Pradesh 143 certificate should be issued
* New plotting site to have minimum 30% houses

Commercial plot loan is available. But it does not have home loan benefits.

You can get industrial plot loan but without home loan benefits.

We help you choose right bank for your need. We also provide doorstep and online service to apply for loan

* Solution for all properties and incomes
* Local, professional, and experienced team
* Complete guidance and support
* Simplify the process for effortless loan

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