A plot loan routed through Clean EMI is prepared and forwarded to a Public Sector Undertaking (PSU) bank branch for the purchase of a residential plot of land. It is treated as a distinct product from a regular home loan — PSU banks generally require the plot to be residential (not agricultural) and located within an approved layout or municipal limit, since the funds are meant to eventually support construction of a home rather than land speculation. Clean EMI is a private facilitation service — the loan amount, interest rate and final sanction are decided solely by the PSU bank after its own verification of the plot’s title and approvals.
State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank of India, Bank of India, Indian Bank, Central Bank of India, Indian Overseas Bank, UCO Bank, Bank of Maharashtra, Punjab & Sind Bank. Interest rates, fees and final approval are decided by the lending bank.
Fill the eligibility form with your PAN, Aadhaar number, loan requirement and city.
We check your CIBIL score. A score of 700 or above is required to proceed further.
Our team checks your papers and flags anything missing.
We identify the PSU bank and scheme suited to your profile.
You visit the nearest branch for verification; the bank sanctions and disburses.
A plot loan finances only the purchase of residential land, while a home loan (or a combined plot + construction loan) also covers building a house on it. Plot loans typically carry different eligibility and documentation checks around the land’s title and layout approval.
No. PSU banks under this portal finance plots meant for residential use within an approved layout, not agricultural land.
A CIBIL score of 700 or above is required to proceed with a plot loan application through this portal.
Many PSU banks expect construction to begin within a certain period after disbursement, as per their own scheme rules — check the specific condition with the lending branch at the time of sanction.
All 12 empanelled PSU banks on this portal — including SBI, Canara Bank, Union Bank of India and Bank of Baroda — offer plot loans, subject to eligibility.
No fee is charged to applicants by Clean EMI. The lending bank may charge its own processing fee as per its published schedule.
Fill the eligibility form; we check your CIBIL and documents.
We identify the right PSU bank and scheme for your profile.
You visit once; the bank reviews, sanctions and disburses.
Have questions about Plot Loan?
Get Best Loan with
Lowest Possible EMI
Don't Miss the Chance to Save on your next Home, LAP or Vehicle loan.