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Loan Against Property (LAP) / Mortgage Loan

Unlock the value in your property without letting go of it.

Retain ownership
Apply Now → Calculate EMI →
Loan Amount / Ticket size
₹50 Lakh -- ₹100 Crore+
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

Loan Against Property (LAP) / Mortgage Loan — Key Facts

Loan Amount / Ticket size
₹50 Lakh -- ₹100 Crore+
Interest Rate / Cost
From \~8.5% p.a.
Collateral
Residential or commercial or Industrial, MIDC, NA Plot
Tenure
Up to 25 years
LTV
Up to 75%
Turnaround Time
7--15 working days (subject to valuation & legal)
Overview

What It Is & How It Works

Long-tenure loan secured by an equitable mortgage on residential or commercial property. You retain title and any future appreciation; funds can be used for expansion, working capital, or debt consolidation.

How It Works

The Process, Visualised

How the pledge worksYour SecuritiesPledged, still yoursValuationLender sets limitOverdraft LimitDraw as neededInterest on UseOnly on what you draw

You keep ownership and any upside on the pledged holding; interest applies only to the amount you actually use.

Eligibility Criteria

  • Self-employed professional, business owner, or salaried individual
  • Clear, marketable title to residential or commercial property
  • Property free of major encumbrances / disputes
  • Stable income evidenced by 2--3 years of financials or salary
  • CIBIL score of 700+ preferred

Documents Required

  • PAN, Aadhaar and address proof of applicant / co-applicant
  • Complete property chain documents and latest tax receipts
  • Last 3 years\' ITR, balance sheet and P&L (business) or salary slips (salaried)
  • Last 6--12 months\' bank statements
  • Udyam / GST / Shop Act registration (for business applicants)
  • Existing loan statements, if any (for consolidation)
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Business Owners
Promoters & Directors
HNIs
Traders
Professionals
Investors
Get Started

Apply for Loan Against Property (LAP) / Mortgage Loan

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

No. Only an equitable mortgage is created in the lender\'s favour. You keep the title and continue to enjoy any future appreciation; the mortgage is released on full repayment.
Typically 50--75% of the property\'s market value, depending on property type, location, and your repayment capacity.
Because the loan is backed by property, the lender\'s risk is lower --- that is passed on as a finer rate (from \~9% p.a.) and a longer tenure.
Yes --- business expansion, working capital, buying equipment, or consolidating higher-cost debt. There is no end-use restriction on legitimate purposes.
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Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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