Unlock the Power of
Your Property
Leverage your residential or commercial property to get high-value funds at low interest rates. Retain ownership, continue using the property, and pay easy EMIs.
Mortgage Your Property, Not Your Dreams
A Loan Against Property (LAP) lets you pledge your owned residential, commercial or industrial property as collateral and receive up to 70% of its market value as a loan. You continue living in or using the property throughout the loan tenure.
Unlike personal loans, LAP offers significantly lower interest rates due to the secured nature of the loan — making it ideal for large financial needs such as business expansion, education, medical emergencies or debt consolidation.
Retain Ownership
You keep full ownership and use of the property.
Lower Interest
Rates as low as 9.50% vs 18%+ on personal loans.
Longer Tenure
Repay comfortably over up to 15 years.
End-Use Freedom
Use funds for any personal or business need.
Approval in 48 Hrs
Property valuation included
Any Big Financial Goal
Business Expansion
Grow your business with high-value funding
Higher Education
Fund studies abroad or premium institutes
Medical Emergency
Cover large hospital & treatment expenses
Debt Consolidation
Merge all high-interest debts into one low EMI
Home Renovation
Upgrade or reconstruct your property
Travel & Leisure
Plan your dream international trip
Wedding Expenses
Make your special occasion truly grand
Investments
Seize time-sensitive investment opportunities
What Properties Are Eligible?
Residential Property
- check_circle Independent Houses
- check_circle Apartments & Flats
- check_circle Villas & Bungalows
- check_circle Builder Floor Units
Commercial Property
- check_circle Office Spaces
- check_circle Retail Shops
- check_circle Warehouses
- check_circle Industrial Units
Plot / Land
- check_circle Residential Plots
- check_circle Commercial Land
- check_circle Agricultural Plots*
- check_circle NA Plots
*Agricultural land eligible only in select states. T&C apply.
Plan Your LAP Repayment
Adjust the sliders to calculate your monthly EMI instantly. No commitment required.
Your Monthly EMI
₹52,124
Total Interest
₹12,54,880
Total Payable
₹62,54,880
Eligibility & Documents
Eligibility Criteria
- check_circle Indian resident aged 21–65 years
- check_circle Salaried or self-employed / business owner
- check_circle Apply Without Any Minimum CIBIL Score Requirement
- check_circle Clear property title in applicant's name
- check_circle Property should be free from encumbrances
- check_circle Minimum net monthly income of ₹25,000
- check_circle Property age not more than 40 years
Documents Required
KYC Documents
Aadhaar Card, PAN Card, Passport-size photo
Income Proof
Last 3 months salary slips or 2 years ITR
Bank Statements
Last 6 months bank account statement
Property Documents
Sale deed, property tax receipts, approved plan
Title Documents
Chain of title documents (last 30 years)
NOC / Encumbrance
No Objection Certificate & EC certificate
LAP vs Personal Loan
Feature
Loan Against Property
Personal Loan
Interest Rate
9.50% – 15.99%
10.99% – 24%
Max Loan Amount
Up to ₹5 Crore
Up to ₹50 Lakhs
Repayment Tenure
Up to 15 Years
Up to 5 Years
Collateral
Property Required
Not Required
Processing Time
3 – 7 Days
24 – 48 Hours
Best For
Large fund needs
Quick small needs
Get Your LAP in 5 Simple Steps
Apply Online
Fill the form in 5 minutes
Submit Documents
Upload KYC & property papers
Property Valuation
Our expert visits & values the property
Loan Approval
Legal verification & loan sanction
Disbursement
Funds credited to your account
Ready to Unlock Your Property's Value?
Get up to ₹5 Crore against your property with the lowest interest rates. Our experts will guide you through every step of the process.