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Loan Against Property FAQs

Getting Started

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.

Loan Against Property offer benefits such as:

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

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

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

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

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

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)

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

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. 

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

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


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"

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
Flexible EMI Plans
Standard EMI Plan

Standard EMI Plan allows you to pay the principal amount along with the interest consistently for your defined period.

• EMI amount remains the same for the entire loan period

Ideal if you have a consistent income.

Step Up Flexi EMI Plan

Step Up Flexi EMI Plan offers great flexibility. This repayment option allows you to pay lower EMI at the beginning of the loan tenure and increase it gradually with increase in your income

• Helps to manage income flow efficiently

Ideal if you expect your income to increase at regular intervals.

Know How It Works
  • Complete A Simple Form
  • Generally takes about 5-10 minutes
  • Upload Documents
  • Keep all the mandatory documents handy
  • Get Approval
Know How To Apply


You can apply for a Loan Against Property by filling an online loan application and get spot approval. If you start but don’t complete your online application, we may call you back to see how we can help.

Apply Now 


Got a question? Call us on customer care number at 1860 267 6060 from 10 am to 8 pm. You can request a call back too.

Virtual Assistant

Now you don’t need to waste your time for someone to answer your questions. Get real time answers to all your queries with our 24/7 virtual assistant.


Visit our branch and talk to our lending expert. They will manage the Loan Against Property process from application to disbursal.