NRI Plot Loan
Secure your plot in India today, build when you are ready.
Finance a residential plot in an approved layout, or the plot and your future home together. Your advisor checks the land papers before you commit.
Lenders that offer NRI plot loans
We work with [XX] banks, housing finance companies and NBFCs that lend to NRIs.
Banks and housing finance companies
- State Bank of India
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Bank of Baroda
- Punjab National Bank
- Canara Bank
- Union Bank of India
- IndusInd Bank
- HSBC India
- LIC Housing Finance
- PNB Housing Finance
Housing finance companies
- LIC Housing Finance
- PNB Housing Finance
What you can finance
Residential plot purchase
Buy a plot from a developer, development authority or resale owner in an approved layout.
Plot plus construction
One combined loan to buy the plot and build your home on it.
Construction on your plot
Build on a plot you already own, with funds released in stages.
Balance transfer
Move an existing plot loan to a lender with a better rate.
Who can apply
- NRIs and OCI cardholders, subject to lender policy
- Salaried or self-employed with at least [X] years of income history abroad
- Minimum monthly income of [currency and amount]
- Age [XX] to [XX] years at the end of the loan tenure
- An Indian resident co-applicant may be required by some lenders
What plots qualify?
Lenders and Indian foreign exchange rules set clear limits on what an NRI can buy.
*Final eligibility depends on the lender's legal and technical check of the plot.
Under India's foreign exchange rules, NRIs and OCI cardholders can generally buy residential and commercial property in India, but not agricultural land, plantation property or farmhouses (except by inheritance or as otherwise permitted). Payment must come from abroad through normal banking channels or from funds in your NRE, FCNR(B) or NRO account. This is general information, not legal advice.
Compare offers
Compare NRI loan offers in seconds
Choose a loan, amount and tenure. Lenders are ranked by their published starting rate, with your estimated monthly EMI.
| Est. monthly EMI | Total interest | Processing fee | Action | ||
|---|---|---|---|---|---|
| Bank of Maharashtra Lowest published rate | 7.00% p.a. | ₹35,953 | ₹24,71,564 | 0.25% to 1.50% (typical) | Get my exact rate |
| Federal Bank | 7.35% p.a. | ₹36,740 | ₹26,13,264 | 0.25% to 1.50% (typical) | Get my exact rate |
| LIC Housing Finance | 7.35% p.a. | ₹36,740 | ₹26,13,264 | 0.25% to 1.50% (typical) | Get my exact rate |
| ICICI Bank | 7.55% p.a. | ₹37,194 | ₹26,94,963 | 0.25% to 1.50% (typical) | Get my exact rate |
| Kotak Mahindra Bank | 7.60% p.a. | ₹37,308 | ₹27,15,470 | 0.25% to 1.50% (typical) | Get my exact rate |
| HDFC Bank | 7.75% p.a. | ₹37,651 | ₹27,77,185 | 0.25% to 1.50% (typical) | Get my exact rate |
| PNB Housing Finance | 8.75% p.a. | ₹39,978 | ₹31,96,030 | 0.25% to 1.50% (typical) | Get my exact rate |
Lenders' published starting rates as on July 2026, from this published source. Starting rates apply to the best-qualified borrowers; the rate offered to you depends on your profile, income country and lender policy and may be higher. Lenders are ranked by published starting rate only, not by recommendation. EMI is an estimate at the starting rate. Not an offer of credit.
Plot Loan rates are priced case by case
Lenders price these facilities on your project, business and security. Share a few details and your advisor will bring back live offers from our lending partners.
Your exact NRI offer, free
Unlock your personalised plot loan offer within 24 hours
- Lower franking charges and processing fee*
- Competitive pricing, negotiated on your full profile
- Doorstep document pickup and attestation in Singapore and Dubai
- A dedicated advisor, in your time zone
KLICK NRI Exclusive offer. Subject to change. *Conditions apply.
KLICK NRI Exclusive
Benefits you only get with us
Apply through KLICK NRI and these come with your loan.
Doorstep and attestation service now live in Singapore and Dubai
Lower franking charges
Reduced franking (stamp) charges on your loan agreement.*
Lower processing fee
Reduced processing fees negotiated with our partner lenders.*
Competitive pricing
We negotiate your rate with lenders, based on your full profile.*
Doorstep service
Courier pickup of your documents from your home or office.*
Attestation service
Notarisation and attestation of your power of attorney and documents arranged for you.*
KLICK NRI Exclusive offer. Subject to change. *Conditions apply. Benefits apply to eligible loans sanctioned and disbursed through KLICK NRI, subject to lender approval. Doorstep document pickup and attestation are currently available in Singapore and Dubai only. [Third-party notary and Indian mission fees: see offer conditions.]
What would your EMI be?
Move the numbers to see your monthly instalment. Your advisor will confirm the rate your profile qualifies for.
Your monthly EMI
₹66,278
Illustrative only. Not an offer of credit. Actual rate, amount and tenure are decided by the lender.
Get this rate checkedDocuments checklist
A typical list. The exact documents depend on the lender and your country, and your advisor confirms them before you start. See our country checklists.
Identity and status
- Passport with valid visa or work permit
- OCI card, if applicable
- PAN card
- Overseas address proof
- Recent passport-size photographs
Income
- Salary slips for the last [X] months, or business financials
- Employment contract or employer letter
- Overseas bank statements for [X] months
- NRE / NRO account statements
- Overseas credit report, where available
Plot papers
- Sale agreement or allotment letter
- Title deeds and previous chain of ownership
- Approved layout plan
- Non-agricultural (NA) conversion order, where applicable
- Encumbrance certificate and tax receipts
Can't travel to India? We guide you through a power of attorney attested at the Indian embassy or consulate where you live.
Book a call about thisRepaying your EMI from abroad
EMIs are paid in Indian rupees. You can pay them in any of these ways.
From your NRE or NRO account
Set up a standing instruction so the EMI is debited automatically each month.
By remittance from abroad
Send funds through normal banking channels to your loan account.
From income in India
Rent or other Indian income credited to your NRO account can be used to pay the EMI.
KLICK to connect
Meet your advisor, face to face, from anywhere
Book a Google Meet video call at a time that suits you, or ask our Servicing Team to call you back.
Video meeting on Google Meet
30 minutes with an advisor. The Meet link is emailed to you.
NRI plot loan questions
Can an NRI buy any plot in India?
No. NRIs and OCI cardholders can buy residential and commercial plots, but not agricultural land, plantation property or farmhouses, unless inherited or specifically permitted under India's foreign exchange rules. For a plot loan, lenders usually also want the plot to be in an approved layout within municipal or development authority limits, converted to non-agricultural use where required, with a clear title and approvals. Check the RERA registration where the layout is a registered project.
Do I have to start building straight away?
Not straight away, but many lenders set a deadline. Some ask you to start or complete construction within [X years] of the plot loan disbursement. If you do not build in that time, the lender may increase the interest rate or ask you to repay. Plot loans that are later used for construction may also change how the loan is treated for tax purposes. Check the construction condition in your sanction letter before you sign.
Is a plot loan different from a home loan?
Yes. A plot loan finances land only, while a home loan finances a house or flat or its construction. Lenders usually lend a smaller share of the plot's value, for example up to [X%], and may offer shorter tenures and higher rates than for home loans. Tax deductions available for home loans generally do not apply to a plot-only loan until a house is built on it, subject to tax law. A composite loan for plot plus construction can bridge the gap.
Can I combine the plot and construction in one loan?
Yes. A composite (plot plus construction) loan funds both under one sanction. The plot part is released first, when you buy the land. The construction part is released in stages as work progresses, after the lender's engineer checks each stage. You usually pay interest only on what has been released until full disbursement, then regular EMIs. You will need an approved building plan and a construction estimate before the construction tranches are released.
Who checks the land papers?
The lender does, through its empanelled lawyer and valuer. The lawyer checks the title chain (usually [13 to 30 years], depending on the lender), the encumbrance certificate, conversion orders and layout approvals; the valuer checks the plot and its market value. Before you apply, we review the papers you have and tell you what is missing, so the lender's check goes smoothly. You should also take independent legal advice on title before paying the seller.
General information only. Lender policies vary and the lender makes the final decision.