Borrow more, repay calmly.
A Loan Against Property (LAP) is one of the most efficient ways to finance large needs — because the asset securing the loan lets us offer significantly higher ticket sizes, longer tenures, and lower interest rates than unsecured products. Your property stays in your name; we simply mark a charge on it for the duration of the loan.
Use the funds for whatever you need: expand your manufacturing unit, fund a child's overseas education, consolidate higher-cost debt, or invest in business inventory. There are no end-use restrictions.
Built for these borrowers.
Business owners
Need working capital or expansion capital and own commercial or residential property.
Salaried professionals
Funding for child's education, medical emergencies, weddings, or debt consolidation.
Self-employed
Doctors, lawyers, CAs and traders needing larger ticket sizes than personal loans allow.
What you get.
- Ticket sizes from ₹5 Lakh to ₹2 Crore based on property valuation
- Tenures up to 15 years for comfortable monthly outflows
- Interest rates starting from 11.5% per annum (subject to risk-based pricing)
- Up to 65% loan-to-value (LTV) ratio on the property
- Both residential and commercial properties accepted
- Step-up and balloon repayment options for business borrowers
- Property kept in your name — we only mark a charge
- Pre-closure allowed; nominal foreclosure terms in sanction letter
Documents required.
- KYC: Aadhaar Card, PAN Card, recent photograph
- Income proof: Latest 2 years ITR, last 6 months salary slips (if salaried), last 12 months bank statements
- Business proof (if applicable): GST returns, audited financials for 2 years, business registration
- Property documents: Title deed (sale deed), encumbrance certificate, latest property tax receipt, building plan approval, NOC from society/builder if applicable
- Property valuation: Conducted by our empanelled valuers (at borrower's cost)
Frequently asked questions.
What's the maximum loan I can get?
Up to 65% of the property's current market value, subject to a ceiling of ₹2 Crore. The exact amount depends on your repayment capacity and the property's valuation by our empanelled valuer.
What types of property are accepted?
Fully-owned, freehold or leasehold properties that are: residential (apartments, independent houses), commercial (shops, offices, warehouses), or mixed-use. Agricultural land is not accepted as collateral.
How long does the LAP process take?
Most LAP applications are sanctioned within 7 working days from receipt of complete documents. Disbursal happens within 2 working days of sanction.
Are pre-payments and foreclosure allowed?
Yes. Pre-payments and full foreclosure are permitted. For floating-rate LAPs to individuals, RBI does not allow foreclosure charges — fixed-rate or business LAPs may have nominal charges as disclosed in your sanction letter.
Can I get a top-up later?
Yes, after a satisfactory repayment track record of 12+ months, you can request a top-up subject to remaining LTV headroom and repayment capacity.