Personal loan starting
@ 10.99% p.a
All you need to know
Personal loan for all your needs
Calculator
Check Your Credit Score
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit Score
All you need to know
Home Loan for all your needs
Calculators
Register as a Selling Agent. Join our Loan Mitra Program
Check Your Credit Score
Business loan to suit your growth plan
All you need to know
Business loan for all your needs
Calculators
Looking for Secured Business Loans?
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
Know More
Explore Used Car Loans
Explore New Car Loans
Explore Two Wheeler Loans
Calculators
Avail Loan Against Securities up to ₹60 crores
All you need to know
Explore Loan Against Securities
Check Your Credit Score
Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
Check Credit Score
Avail Loan Against Property up to ₹ 10 Crores
All you need to know
Loans for all your needs
Calculators
Get Education Loan up to Rs. 2 crores
All you need to know
Calculators
Want To Know More?
All you need to know
Calculators
Want To Know More?
All you need to know
Calculators
Want To Know More?
Sign in to unlock
special offers!
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.*
Age: 25 to 65 years for salaried; 25 to 70 for self-employed
Employment: Minimum 2 years for salaried; 3 years for self-employed
Minimum income: ₹25,000 per month for salaried; ₹3 lakh per annum for self-employed
CIBIL score: Minimum 700; 750+ preferred for best rates
Property type: Residential, commercial, or industrial with clear title
Property age: Well-maintained; approved by lender's valuation team
Nationality: Indian resident, NRI, or PIO
Identity and Address Proof
Aadhaar card
PAN card
Voter ID or passport
Utility bill for address verification
Income Proof
Salaried: Latest 3 months' salary slips, Form 16 for 2 years, ITR
Self-employed: ITR for 2-3 years, audited financials, GST returns
Bank statements: Last 6-12 months of primary account
Required Property Documents
Sale deed or title deed
Chain of title documents
Encumbrance certificate
Property tax receipts (latest)
Building plan approvals
Occupation certificate (for residential)
Society or association NOC (if applicable)
| Component | Amount/Rate |
|---|---|
| Interest rate | Starting from 9% p.a. |
| Processing fee | Up to 1% + GST |
| Foreclosure charges | Zero on floating-rate loans to individuals |
| Part-prepayment charges | Zero on floating-rate loans to individuals |
| Legal and valuation fees | ₹5,000-15,000 |
| MODT stamp duty | 0.3-0.5% of loan amount (varies by state) |
| Late payment penalty | Per RBI norms + GST |
| Cheque bounce charges | ₹500 per instance |
Sample calculation for a ₹50 lakh loan against property:
| Tenure | Interest Rate | EMI | Total Interest | Total Repayment |
|---|---|---|---|---|
| 10 years | 9.5% p.a. | ₹64,700 | ₹27.6 lakh | ₹77.6 lakh |
| 12 years | 9.5% p.a. | ₹58,220 | ₹33.8 lakh | ₹83.8 lakh |
| 15 years | 9.5% p.a. | ₹52,220 | ₹43.9 lakh | ₹93.9 lakh |
Shorter tenures reduce total interest cost significantly. Choose the tenure that fits your cash flow while minimising total outgo.
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.
Loan Against Property in Chennai
Know More
Loan Against Property in Vijayawada
Know More
Loan Against Property in Ahmedabad
Know More
Loan Against Property in Mumbai
Know More
Loan Against Property in Trivandrum
Know More
Loan Against Property in Coimbatore
Know More
Loan Against Property in Hyderabad
Know More
Loan Against Property in Bangalore
Know More
Loan Against Property in Kerala
Know More
Loan Against Property in Delhi
Know MoreLoan Against Property | 30 Oct, 2025
Loan Against Property | 14 Oct, 2025
Loan Against Property | 01 Sep, 2025
Loan Against Property | 30 Jul, 2025
Loan Against Property | 29 Jul, 2025
Loan Against Property | 21 Jul, 2025
Loan Against Property | 06 Jul, 2025
Loan Against Property | 24 May, 2025
Loan Against Property | 19 May, 2025
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.
Proof of income is required to avail Loan Against property. 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. 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
Fortunately, there are no end-use restrictions as long as the requirement is legitimate.
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.
Submitted successfully
Uh oh, something went wrong
Please try again later.
Start an SIP in minutes by signing up with the Tata Capital Moneyfy App. We are your one stop shop for all things investment.
SMS sent successfully!
An SMS has been sent to XXXXXXX051
Click on the link in the message to download the Moneyfy App.
Looking for a seamless loan experience? Get the Tata Capital Loan App and Apply for loans, Download Account Statement/Certificates, Track your requests & much more.
SMS sent successfully!
An SMS has been sent to XXXXXXX051
Click on the link in the message to download the Moneyfy App.
Thank you for subscribing
We will send news and updates to your registered email ID
Trust the links that start from https://www.tatacapital.com
Do not make payments in any individual’s bank accounts.
Call our Customer Care Number 1860 267 6060 for assistance
For any assistance, contact our customer support
rahul.sharma@gmail.com
Click allow button to receive notifications
SMS sent successfully 