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Personal Loan

PERSONAL LOAN INTEREST RATES STARTING AT 10.99%

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Overdraft Loan

PERSONAL LOAN INTEREST RATES STARTING AT 13.50%

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Wedding Loan
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WEDDING LOAN FUNDING UP TO RS. 25 LAKHS

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LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS

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PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS

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Home Renovation Loan

HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS

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Home Loan
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Home Loan

HOME LOANS WITH INSTANT APPROVALS UP TO RS. 5 CRORES

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Affordable Housing Loan

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Consumer Durable Loan

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Loan Against Property FAQs

  • Overview
  • Eligibility & Documentation
  • Fees & Charges
  • Calculators
  • EMI Options
  • FAQs
  • Know more
    • 1
    Getting Started Loan Details (Amount & Tenure) Eligibility Flexible EMI Plans Know How It Works Know How To Apply
    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 10.5% and are highly competitive.

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

    Eligibility

    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

    Online

    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 

    Phone

    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.

    Branch

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

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE