Secure Your Ideal Plot in Bangalore
Finance residential and commercial land purchases across Bangalore's prime locations with minimal documentation and quick disbursement.
Why Choose Our Plot Purchase Loan?
Whether you're buying a residential site or a commercial plot, we make the financing simple and fast.
Up to 75% Financing
We finance up to 75% of the registered plot value, so you can secure your land with a manageable down payment.
Prime Bangalore Locations
We cover all major zones — Whitefield, Sarjapur, Devanahalli, Hebbal, Kanakapura Road, and more.
Residential & Commercial Plots
Finance both residential sites and commercial land parcels with tailored loan structures for each.
Quick Disbursement
Once documents are verified, funds are disbursed directly to the seller — typically within 5 working days of sanction.
Flexible Tenure up to 15 Years
Spread your repayment over up to 15 years to keep EMIs affordable while you plan your construction timeline.
Construction Top-Up Available
Planning to build later? Get a construction top-up loan on the same property when you're ready to build.
Types of Plots We Finance
We support a wide range of land purchase scenarios across Bangalore.
BDA / BBMP Approved Layouts
Plots in Bruhat Bengaluru Mahanagara Palike and Bangalore Development Authority approved residential layouts.
BMRDA Approved Sites
Plots in Bangalore Metropolitan Region Development Authority approved areas on the city's outskirts.
Gram Panchayat Plots
Select Gram Panchayat plots with clear title and proper documentation, subject to legal verification.
Commercial Land
Commercially zoned land parcels for business use, subject to zoning regulations and legal clearance.
Interest Rate Plans
Transparent pricing with no hidden charges.
Residential Plot
For BBMP / BDA / BMRDA approved layouts.
Commercial Plot
For commercially zoned land parcels.
Plot + Construction
Combined loan for plot purchase and construction.
* Interest rates are indicative and subject to change based on credit profile, loan amount, plot location, and RBI guidelines. Final rates are determined at loan sanction.
Eligibility Criteria
Check if you qualify for a CitiLoans Plot Purchase Loan.
Salaried Individuals
- Age: 21 to 60 years at loan maturity
- Minimum net monthly income: ₹35,000
- Minimum 2 years of continuous employment
- Credit score of 700 or above
- Plot located in Bangalore / Karnataka
Self-Employed / Business Owners
- Age: 25 to 65 years at loan maturity
- Minimum 3 years in current business
- Minimum annual income: ₹5,00,000 (ITR basis)
- Credit score of 700 or above
- Plot located in Bangalore / Karnataka
Documents Required
Minimal paperwork. We guide you through every document.
Identity & Address Proof
- Aadhaar Card
- PAN Card
- Passport / Voter ID / Driving Licence
Income Proof (Salaried)
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR for last 2 years
Income Proof (Self-Employed)
- ITR with computation for last 3 years
- Last 12 months bank statements
- Business registration / GST certificate
Plot / Property Documents
- Sale agreement / sale deed
- Title deed and encumbrance certificate (EC)
- Khata certificate and tax paid receipts
- Layout approval from BDA / BBMP / BMRDA
How It Works
From application to plot ownership — a clear 4-step process.
Apply & Consult
Submit your application online or visit us. A dedicated relationship manager will assess your requirements and guide you on the best loan structure.
Document & Legal Check
Submit your documents and plot papers. Our legal team conducts a thorough title verification and encumbrance check on the property.
Sanction in 72 Hours
Post document verification, your loan is sanctioned within 72 hours and a formal sanction letter is issued.
Disbursement to Seller
The loan amount is disbursed directly to the seller's account upon registration of the sale deed in your name.
Ready to Secure Your Plot?
Speak to a CitiLoans expert today and get a free assessment of your plot purchase loan eligibility.