Loan Against Property


A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or ​a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.

In this context, it is imperative to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

Why Loan Against Property (​​LAP)?

We extends the Loans Against Property (LAP) facility to enable the borrower to liquidate his owned property without selling it. The necessary funds are raised in a short period of time, subject to valuation of the property and the submitted documents. The loan helps the borrower tide over a financial crisis with minimum risk.

Is the Loan Against Property (LAP) facility for you?

If you are in immediate need of cash for personal or business needs, taking an LAP can transpire into an excellent financial decision. All the rights and accruements over the pledged property remain with you during the loan period. You can also take a property loan on the assets whose ownership is in your name but is leased out by you.

However, you are unable to sell the pledged property during the loan period. Hence, for a home restoration project or the purchase of a new commercial premises, the LAP facility is a worthy financial product to explore.

Features of Loan Against Property

  • Tenure: Upto 20 years
  • Loan amount: Up to 60% of property value in case of commercial property, up to 70% in case of residential property
  • Please ask us for the required set of documents at the time of inquiry to know your loan against property eligibility.


  • An Indian Residents
  • Maximum age of 65 years when the loan matures
  • LTV upto 70% of the valuation report given by designated value.
  • Clear Marketable Title over property.
  • Above 18 years of age at the commencement of the loan
  • Both for salaries and self-employed
  • Income / cash flows to establish source of repayment.


  • Application form
  • Basic KYC Documents
  • Loan agreement
  • Mortgage Deed
  • Copy of property papers to be mortgaged.
  • Income documents & Bank statement
  • FATCA Declaration


  • Please refer to your sanction letter/ welcome letter for details of various charges.