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Loan against property in puducherry is the ideal solution to unlock the value of your property and meet your financial needs. With Tata Capital, enjoy quick disbursals, competitive interest rates, and flexible repayment options. Whether it’s for personal or business purposes, our loan against land in puducherry offers a seamless and hassle-free borrowing experience.
Loan amount
Loan duration
Loan duration
Rate of interest
Monthly EMI
Total Amount Payable
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Total Interest Payable
0*
Total Amount Payable
Total Interest Payable
Apart from the interest rate, every loan carries penal charges and certain other fees that the borrower is liable to pay. Penal charges are incurred when the borrower violates specific loan agreement terms.
This is a charge for late EMI payments, calculated based on the number of days your EMI remains unpaid.
3% per month on the defaulted amount (Annualized Penal Charge of 36%)
These are those charges that are levied in case of an EMI bounce per instance. In other words, these charges are levied when you miss a Loan Against Property EMI payment due to inadequate funds in your bank account.
Rs. 1500 per instrument per instance
Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by borrower’s bank for any reasons whatsoever. Tata Capital charges a nominal amount of Rs. 450.
This is a charge applied if you fail to complete the required formalities to establish the loan collateral.
NIL
This fee covers the cost of verifying your documents, completing necessary compliance checks, and conducting due diligence before your loan is disbursed.
Rs. 3,000 for a loan up to Rs. 1 crore
Rs. 5,000 for a loan above Rs. 1 crore
This is a charge applied for providing a physical copy of the Statement of Account – a statement having a list of all transactions made in your loan account during a given period.
Customer portal - NIL
Branch walk-in - Rs. 250
This is a charge applied for cancellation of your loan.
Rs. 25,000
This is a government fee imposed for registering mortgage details with CERSAI to enhance loan security and transparency to prevent multiple lending frauds and protect lender interests.
a) For loans up to Rs. 5 lakhs - Rs. 50 per filing/modification
b) For loans above Rs. 5 lakhs - Rs. 100 per filing/modification.
c) OR such other charges as may be stipulated by the Central Registry from time to time
This is a charge applied for the safe storage, maintenance, and retrieval of collateral documents
Rs. 5,000
This is a charge applied towards providing a physical copy of the list of documents.
Rs. 1000 per request
This is a charge applied for providing a physical copy of the foreclosure report.
Customer portal – NIL
Branch walk-in - Rs. 500
This is a charge applied when an asset is repossessed due to non-repayment of the loan.
At actuals
This is a government-mandated fee required for legally registering your loan agreement.
At Actuals
This fee covers the legal review of your loan and valuation of any asset or property provided as collateral.
a) For loans up to Rs. 1 Cr - Rs. 6,000
b) For loans above Rs. 1 Cr - Rs. 11,000
(Rs. 1000 for each additional property)
If you wish to change the loan interest structure from floating to fixed rate or vice versa, impacting loan terms and repayment schedules, you are charged Repricing Charges.
a) Floating to Fixed Rate: Rs. 3000
b) Fixed to Floating Rate: 4% of POS
This is a charge applied if you request a change or reduction in the interest rate on your existing Loan.
0.15% of the principal outstanding
Note: GST, other government taxes and levies as applicable, will be payable on all fees and charges.
Foreclosure Charges- This is a charge applied if you choose to repay your entire loan before the end of the contracted loan term.
Part-Prepayment Charges- This is a charge applied if you choose to repay part of your loan before the end of your loan tenure.
Part-Prepayment Charges are only applicable for Term Loans.
Following Foreclosure & Part-Pre-Payment Charges shall be applicable for cases sanctioned before 1st January 2026.
| Rate Description | Party to the Agreement & Purpose | Foreclosure within 12 months of Disbursement | Foreclosure after 12 months of Disbursement | Part Prepayment Charges |
|---|---|---|---|---|
| Individual Borrower with end use other than business | No charges | No charges | No charges | |
| Floating Rate Scheme | Individual Borrower with end use as business | 6% of Principal Outstanding | 4% of Principal Outstanding |
a) Upto 25% of the Sanction Amount - Nil Charges b) More than 25% of the Sanction Amount for any pre-payment taking place during the tenure of the loan – 4% on amount prepaid in excess of 25% of the Sanction amount |
| Non- individual Borrower irrespective of end use | 6% of Principal Outstanding | 4% of Principal Outstanding |
a) Upto 25% of the Sanction Amount - Nil Charges b) More than 25% of the Sanction Amount for any pre-payment taking place during the tenure of the loan – 4% on amount prepaid in excess of 25% of the Sanction amount |
|
| Fixed Rate scheme | Individual/s non individual borrowers irrespective of the end use | 6% of Principal Outstanding | 4% of Principal Outstanding |
a) Upto 25% of the Sanction Amount - Nil Charges b) More than 25% of the Sanction Amount for any pre-payment taking place during the tenure of the loan – 4% on amount prepaid in excess of 25% of the Sanction amount |
Following Foreclosure & Part-Pre-Payment Charges shall be applicable for cases sanctioned on & after 1st January 2026.
Borrower’s constitution i.e. Micro, Small or Medium enterprises at time of Sanction shall be considered for determining foreclosure charges.
| Rate Description | Party to the Agreement & Purpose | Foreclosure Charges within 12 months of Disbursement | Foreclosure Charges after 12 months of Disbursement | Part Prepayment Charges |
|---|---|---|---|---|
| Individual Borrower irrespective of End Use | No charges | No charges | No charges | |
| Micro & Small Enterprise (MSE) with End Use as Business | No charges | No charges | No charges | |
| Floating Rate Scheme | Non- individual Borrowers irrespective of end use (other than MSEs with End Use as Business) |
6% of Principal Outstanding for Term Loan |
4% of Principal Outstanding for Term Loan |
a) Upto 25% of the Sanction Amount - Nil Charges b) More than 25% of the Sanction Amount for any pre-payment taking place during the tenure of the loan – 4% on amount prepaid in excess of 25% of the Sanction amount |
| Fixed Rate scheme | Individual/s non individual borrowers irrespective of the end use |
6% of Principal Outstanding for Term Loan |
4% of Principal Outstanding for Term Loan |
a) Upto 25% of the Sanction Amount - Nil Charges b) More than 25% of the Sanction Amount for any pre-payment taking place during the tenure of the loan – 4% on amount prepaid in excess of 25% of the Sanction amount |
Applying for a loan against property online is quick and easy. The first step is to check if you meet the following LAP eligibility criteria:
For Salaried Employees-
For Self-Employed Individuals-
If you meet these criteria, follow
these steps to apply for a loan
against
property online with Tata
Capital:
Step 1: Visit this website: https://www.tatacapital.com/loan-against-property.html
Step 2: Click on the “Apply
Now” button on this page.
Step 3: Provide your personal
and property details in the
application
form.
Step 4: Submit the application
form along with the required
documents.
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.
Loan amounts can go up to ₹10 crores, depending on property value and eligibility.
Residential, commercial, and industrial properties are accepted as collateral.
Loan tenure can extend up to 240 months, offering flexible repayment options.
Yes, ITR is required to validate income for salaried and self-employed applicants.
Generally, not mandatory but may be needed in specific cases based on credit profiles.
Proof of income is usually necessary; co-applicants may enhance eligibility.
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