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Meet your urgent financial needs with a loan against your property, offering a tenure of up to 240 months. At Tata Capital, we provide loans of up to Rs. 10 crore* with no restrictions on usage, making it a flexible solution for both personal and business expenses. Enjoy benefits like attractive interest rates, a long repayment tenure, quick disbursal, and a hassle-free application process.
A Loan Against Property (LAP) is a secured loan where lenders grant funds after you pledge your residential or commercial property. You can apply for an online loan against property for purposes like business expansion, education, or debt consolidation. Tata Capital offers instant loan against property approvals with quick processing, flexible tenures, and attractive interest rates. Thus, LAP is an affordable way to access high-value financing.
LAP Loan Amount
Upto 10 Cr
LAP Loan Tenure
12- 240 months
Interest rate starting @
9*% p.a
If you're a salaried individual, you must fulfill the following loan against property eligibility criteria:
Segment - Working in MNC / Public Ltd. Co/ Large Pvt. Ltd. Co./State Govt/ Central Govt. / PSU
Age - Minimum- 23 Years and Maximum- 65 Years or age of retirement - whichever is earlier at loan maturity
Minimum Net Monthly Salary – Rs. 15,000
Occupational Stability - Minimum 3 Years
Calculate your eligibility using the Loan Against Property Calculator
If you're a self-employed professional, you must fulfill the following loan against property eligibility criteria:
Segment - Doctors, Architects, Chartered Accountants
Age - Minimum- 23 Years and Maximum- 70 Years at loan maturity
Income per annum - Rs 2,50,000
Occupational Stability - Minimum 3 Years
If you're a self-employed individual, you must fulfill the following loan against property eligibility criteria:
Segment - Traders, Retailers, and Wholesalers
Age - Minimum- 23 Years and Maximum- 70 Years at loan maturity
Income per annum - Rs 2,50,000
Occupational Stability - Minimum 3 Years
Applying for a Loan Against Property with Tata Capital is simple and requires minimal paperwork. The loan against property documents required vary based on whether you are salaried or self-employed.
If you are a salaried employee meeting the LAP eligibility criteria, you need to submit the following:
Recent Passport-Sized Photograph
Photo Identity Proof – Voter ID, Passport, Driving License, or Aadhaar Card
PAN Card or Form 60 (if applicable)
Address Proof – Any of the following: Voter ID, Passport, Driving License, or Aadhaar Card
Signature Verification Document
For income proof, submit Form 16 for the last 2 years and a copy of your bank statements for the last twelve months
A Copy of your Salary slips for the last three months
If you are self-employed and eligible for a Loan Against Property, the required documents include-
Recent Passport-Sized Photograph
Photo Identity Proof – Voter ID, Passport, Driving License, or Aadhaar Card
PAN Card or Form 60 (if applicable)
Address Proof – Voter ID, Passport, Driving License, or Aadhaar Card
Signature Verification Document
For income proof, submit Income Tax Return, Profit and Loss, Balance Sheet & a copy of your bank statements for the last 12 months
Providing these documents ensures a smooth application process, helping you secure a Loan Against Property with ease.
If you meet the eligibility criteria mentioned above, follow these steps to apply for a property loan against property online with Tata Capital :
That's it! Once we successfully verify the application form and the submitted documents, the sanctioned loan amount will be disbursed to your account in no time.
At Tata Capital, we understand that every property is unique, and so are your funding needs.
Here’s a detailed look at the types of properties eligible:
Residential Property: Whether it’s a self-occupied flat, an independent house, or a rented-out property, you can mortgage it to avail of a LAP. Even older constructions may be considered, subject to condition and valuation.
Commercial Property: This includes shops, offices, showrooms, or any other income-generating commercial space. Both rented and self-occupied commercial properties are eligible.
Industrial Property: Warehouses, factories, and small manufacturing units can also be pledged, provided they are owned by the borrower and meet regulatory guidelines.
Land/Plots: LAP can be availed against properly demarcated residential, commercial & industrial plots.
To qualify for a loan against land or property, the ownership should be undisputed, with all documents in place, including a clear title, sanctioned building plans (if constructed), and up-to-date property tax receipts.
| Total Exposure | LEI to be obtained on or before |
|---|---|
| Above Rs. 25 Cr | April 30, 2023 |
| Above Rs. 10 Cr up to Rs. 25 Cr | April 30, 2024 |
| Rs. 5 Cr and above, up to Rs. 10 Cr | April 30, 2025 |
Reset of Floating Interest Rate on Equated Monthly Installments (EMI) based Personal Loans: If an individual borrower has taken an EMI-based personal loan and has chosen an Adjustable Rate of Interest (AIR) or Combined Rate of Interest, in case of reset of the rate of interest, the Borrower has the option to switch to ‘Fixed Rate of Interest’ or opt for enhancement/reduction in EMI or tenure or combination of both. To know more about the options available and the possible impact of each of the available options, click here.
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A Loan Against Property (LAP) is a secured loan where a residential, commercial, or industrial property is pledged as collateral to borrow funds. The lender sanctions a percentage of the property’s market value, and you repay it through EMIs over a set tenure. You retain ownership and usage of the property unless you default.
Anyone meeting the following eligibility criteria can apply for a LAP from Tata Capital.
Age: 23 to 65 years for salaried employees; 23 to 70 years for self-employed individuals
Residency: Indian
Employment status: Salaried or self-employed
Minimum annual income: Rs. 1,80,000 for salaried employees; Rs. 2,50,000 for self-employed individuals
Tata Capital offers fixed interest rates from 13*%–17% and floating rates from 9*%–17% on Loan Against Property. Floating rates are linked to the RBI repo rate. Final rates vary based on customer profile and risk assessment. For applicable charges, please refer to the Rates & Charges section.
Applying for a Loan Against Property is a simple, step-by-step process:
1. Submit the application form with basic personal, financial, and property details
2. Upload the required documents
3. Document verification by the lender
4. Property valuation and legal due diligence
5. Sanction letter issuance upon approval
6. Disbursement of funds directly to your bank account
You can mortgage the following types of properties for LAP:
Residential property: self-occupied or rented flat or apartment
Commercial property: shops, retail outlets, and office spaces
Industrial property: manufacturing or warehousing units
Co-owned property: property jointly owned by family members
Vacant plot
Tata Capital usually requires around 7 to 15 days for loan against property approval and disbursal. It will vary, depending on the time taken for document verification and property assessment.
A Loan Against Property EMI Calculator helps you estimate your monthly EMI based on the loan amount, interest rate, and tenure. It allows you to quickly assess affordability, plan repayments better, and make informed borrowing decisions. The calculator saves time, eliminates manual errors, and supports effective long-term financial planning.
You can secure a loan against property without income proof, but the interest rates will be higher. Providing the lender with adequate information about your income source and mentioning the reason for not having relevant income proofs, or applying with a co-applicant, can strengthen your case.
Yes, you can opt for a loan against property balance transfer. Selecting Tata Capital for the balance transfer is a good choice as it offers affordable interest rates, a nominal processing fee, and a flexible loan tenure.
Yes. A co-applicant raises the loan amount and your chances of approval. You can apply for a LAP with family members who jointly own the property. This includes your spouse, brother, or unmarried daughter.
Yes, you can pre-pay your Loan Against Property. For applicable charges, please refer our Rates & Charges section or your respective Loan Documents.
A loan against property is secured by the property offered as collateral. In case of persistent non-repayment, recovery action may be initiated as per applicable laws. Timely repayments help keep your property secure.
The Loan-to-Value (LTV) ratio indicates the portion of a property’s value eligible for a loan. It is determined based on the property’s type, value, and location, as well as the borrower’s credit profile, income stability, age, and existing liabilities, with eligibility norms varying for residential and commercial properties.
You can use the funds from a loan against property for various personal or business purposes.
Business acquisition/expansion
Machinery/equipment purchase
Debt consolidation
Medical crisis
Children’s higher education
Home construction/renovation
Marriage
Retirement
Fortunately, there are no end-use restrictions as long as the requirement is legitimate.
You can transfer your existing Loan Against Property to Tata Capital by applying for a balance transfer. Simply submit your property and income documents and complete the verification process. Once approved, Tata Capital will settle the outstanding amount with your current lender and offer you competitive interest rates, flexible repayment tenures, and the option to access a higher loan amount, subject to eligibility.
The loan amount is sanctioned based on the current market value of the property, along with an assessment of the borrower’s income, credit profile, and repayment capacity. After a detailed property valuation and due diligence, the eligible loan amount is determined in line with internal credit norms and risk assessment.
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