Loan Product
Loan Against Property
A Loan Against Property (LAP) allows you to unlock the value of your residential, commercial, or industrial property and obtain funds for personal or business requirements. Since the loan is secured against property, borrowers can avail higher loan amounts at attractive interest rates and longer repayment tenures.
Key Features
Why Choose Our Loan Against Property?
Higher Loan Eligibility – Secure a significantly higher loan amount compared to unsecured lending options.
Lower Interest Rates – Benefit from lower rates than personal loans due to the property collateral.
Longer Repayment Tenure – Spread repayment over up to 30 years for comfortable, manageable EMIs.
Continue Property Ownership – Retain full ownership and use of your property throughout the loan tenure.
Multipurpose Usage – Use funds for business expansion, education, medical needs, or any requirement.
High Funding Capacity – Unlock significant liquidity based on the market value of your property.
Flexible Repayment Structure – Choose EMI options that suit your income cycle and repayment capacity.
Attractive Balance Transfer – Transfer existing high-rate loans to get better terms and lower interest.
Quick Facts
Interest RateInterest Rate From 9% p.a.
Loan Amount₹5 Lakh - ₹15 Crore
TenureUp to 20 years
Processing Time7 - 12 working days
Eligibility Criteria
- Property Owner: Applicant must own a residential, commercial, or industrial property.
- Age: Applicant should be between 21 and 65 years.
- Stable Income Source: Regular income from salary, business, or profession.
- Clear Property Ownership: Property must have clear title with no legal disputes.
- Good Credit History: Healthy credit score and repayment track record preferred.
Documents Required
- Applicant & Co-applicant KYC — PAN Card, Aadhaar Card, Photograph
- Company / Firm KYC — GST Registration Certificate, Udyam Aadhaar, PAN Card, MOA, AOA, COI, List of Directors & Shareholders
- GST Returns 3B — Latest 12 Months
- 26AS — Last 3 Years (Applicant & Co-applicant)
- Complete Financials — Latest 3 Years CA Certified (ITR, Computation, Balance Sheet, P&L, Independent Report, Directors Report, Tax Audit Report with all schedules)
- All Applicant & Co-applicant Individual ITR with Computation — Latest 3 Years
- All Current Account Statements — Latest 1 Year (PDF format)
- All Applicant & Co-applicant Savings Account Statements — Latest 1 Year (PDF format)
- Running Loan Repayment Schedule / SOA (if applicable)
- Complete Property Papers — Chain Documents, Sanctioned Map & Property Photos
EMI Calculator
Estimate Your Loan Against Property EMI
Loan Amount₹15,00,000
₹50,000₹1,00,00,000
Interest Rate (p.a.)11.00%
6.00%24.00%
Loan Tenure5 yrs
3 months30 yrs
Monthly EMI₹32,614
Principal
₹15,00,000
Total Interest
₹4,56,818
Total Payment
Apply for this Loan₹19,56,818
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Talk to our advisory team today for a free, no-obligation loan eligibility assessment.