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Loan Against Property

This New Year unlock your property’s true worth

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Full Name

Name (as per PAN Card)

Email ID

Mobile No.

OTP will be sent after you click 'Proceed'

City of Residence

Date of Birth

(dd/mm/yyyy)

PAN details

Property Value

Required Loan Amount

Property Type

*We do not fund the following properties:

Reason for LAP

By submitting the application, I agree and accept the Terms and Conditions as specified here

Loan Against Property FAQs

Overview

Eligibility & Documentation

How to Apply

Fees & Charges

Calculators

EMI Calculator

EMI Options

FAQs

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Getting Started

What is Loan Against Property?

There are times when everyone needs a little extra funds. Whether it is for personal or business needs, with Loan Against Property, you get immediate access to money by using either your home or any other property as security. From expanding your business to buying machinery with Loan Against Property, you will never have to compromise.

What are the benefits of Loan Against Property?

Loan Against Property offer benefits such as:

Flexible repayment options
Lower interest rates
Tax benefits
Quick and fast approvals

What types of properties will be considered?

Self-occupied residential property, commercial property (offices, shops etc.) and alternate property (Residential plots, schools, hospitals, Industrial property, hotels) can be considered as collaterals.

Will I get Loan Against Property if I own it along with my relatives?

Yes, you can. However, all the co-owners of the property will also have to become co-applicants of the loan.

What are the variants of Loan Against Property?

Loans to traders for working capital needs
Loan to manufacturers
Lease rental income

What can I use Loan Against Property for?

Whether you needed the funds to expand your business or have to meet your personal requirements, we work with you to make sure you have the funds you need. Here are some uses for Loan Against Property:

Personal needs
Meet Working Capital needs
Renovation of property
Investments
Asset acquisition
Consolidation of debt
Mortgage buyout
Refinance of self-financed property

Will my processing fee be refunded?

No. The processing fee is non-fundable as we incur expenses when we process your Home Loan application. Processing involves scrutiny of your application, verification of your documents, assessing your application, calculating your eligibility and so on.

Loan Details (Amount & Tenure)

What is the maximum tenure allowed to repay Loan Against Property?

You can take up to 180 months to repay your loan.

What is the maximum amount available for a Loan Against Property?

The maximum amount that you can get from our Loan Against Property is customisable to suit your needs. You can take loan starting from ₹ 10 lakhs.

What is the interest rate for the Loan Against Property?

Our interest rates begin from 10.10% and are highly competitive.

Can I pre-pay my loan?

Yes, you can prepay your outstanding loan amount in parts or in full.

Eligibility

Am I eligible for a Loan Against Property?

Whether you are salaried, self-employed or a business enterprise, we have set basic eligibility for Loan Against Property.

Parameters	Salaried	Self Employed Professionals	Self Employed Non Professionals (Indviduals)	Non Individuals
Segment	Working in MNC / Public Ltd. Co/ Large Pvt. Ltd. Co./State Govt/ Central Govt. / PSU	Doctors, Architects, Chartered Accountants	Traders, Retailers and wholesalers	Firm, Pvt Ltd , Public
Age	Minimum- 25 Years Maximum- 60 Years at loan maturity	Minimum- 25 Years Maximum- 60 Years at loan maturity	Minimum- 25 Years Maximum- 60 Years at loan maturity	N/A
Income Per Month	₹ 2,40,000	₹ 2,50,000	₹ 2,50,000	₹ 3,00,000
Occupational Stability	Minimum 3 Years	Minimum 3 Years	Minimum 3 Years	Minimum 3 Years (with two years cash profit)

To check how much Loan you can repay, try our "Loan Against Property EMI Calculator"

What are the documents I require for a Loan Against Property?

You only need to provide some basic documents to process your Loan Against Property.

Documents	Salaried	SEP/SENP	Non Individual
Application Form	Yes	Yes	Yes
Photograph	Yes	Yes	Yes
Identity Proof	Yes	Yes	Yes
Residence Proof	Yes	Yes	Yes
Signature Verification	Yes	Yes	Yes
Income Details (2 years)	Form 16 and latest 2 months salary slips	IT returns, Profit&Loss and Balance Sheet	IT returns, Profit&Loss and Balance Sheet
Bank Statements	Latest 6 months	Latest 6 months	Latest 6 months

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