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Loan Against Property
A Loan Against Property (LAP) is a secured loan where you pledge your commercial and industrial property as collateral to get funds. It offers lower interest rates and longer repayment terms, making it an ideal option for business expansion, education, or medical expenses.
Eligibility Criteria
- Self-Employed: Kirana Shop, Medical Shop, Retail Trader, Tailor, Saloon, Garment Shop, Daily Need Shops, Transporters (1–2 vehicles).
- Salaried: Cash Salaried / Bank Salaried working with small companies, partnership firms, and individual firms.
- Loan Type: Term Loan (₹5 Lakh to ₹15 Lakh).
- Loan Tenure: Minimum 24 Months to Maximum 120 Months.
- Primary Borrower: 21–65 years | Co-Applicant: 21–65 years.
- Non-Financial Borrower: 18–70 years | Salaried Individual: up to 60 years.
- Eligible States: Gujarat, Maharashtra, Rajasthan, Madhya Pradesh, Tamil Nadu, Telangana, Andhra Pradesh, Karnataka.
- Self-Occupied Residential Property (SORP): Up to 60% LTV.
- Self-Occupied Commercial Property (SOCP): Up to 55% LTV.
- Mix Usage Property: Up to 60% LTV.
- Additional +5% LTV available with Insurance Coverage.
- Other property types are not allowed.
Eligibility Criteria
- Eligible Applicant Types: Salaried & Self-Employed (small businesses).
- Self-Employed: Kirana Shops, Medical Shops, Retail Traders, Tailors, Saloons, Garment Shops, Daily-Need Stores, etc.
- Salaried: Cash/Bank Salaried individuals working in Small Companies, Partnership Firms, or Individual Firms.
- Loan Type: Term Loan.
- Loan Amount: ₹10 Lakh to ₹35 Lakh.
- Loan Tenure: Minimum 24 Months to Maximum 180 Months.
- Primary Borrower: 21–65 years | Co-Applicant: 21–65 years.
- Non-Financial Borrower: 18–70 years | Salaried Individual: up to 60 years.
- Eligible Location: PAN India.
- Self-Occupied Residential Property (SORP): Up to 65% LTV.
- Self-Occupied Commercial Property (SOCP): Up to 60% LTV.
- Rented Residential Property (RRP): Up to 65% LTV.
- Rented Commercial Property (RCP): Up to 60% LTV.
- Mixed Usage Property: Up to 65% LTV.
- Additional +5% LTV available with Insurance Coverage.
- Self-Construction: Up to 70% LTV.
- Commercial Purchase: Category A – 70% | Category B – 65% | Category C – 60%.
Eligibility Criteria
- Eligible Applicant Types: Salaried, Self-Employed, Partnership Firms, and Companies.
- Self-Employed: Retail & Wholesalers, Garment Retail Stores, FMCG Distributors (e.g., HUL), Medical Stores, General Stores, Cosmetic Retail Stores, Small Super Marts.
- Salaried: Working with Small Companies, Government Companies, or Private Companies with documented HR records and salary slips.
- Loan Type: Term Loan.
- Loan Amount: ₹5 Lakh to ₹200 Lakh.
- Loan Tenure: Minimum 24 Months to Maximum 180 Months.
- Primary Borrower: 23–65 years | Co-Applicant: 21–65 years.
- Non-Financial Borrower: 18–70 years | Salaried Individual: up to 60 years.
- Eligible Location: PAN India.
- Self-Occupied Residential Property (SORP): Up to 70% LTV.
- Self-Occupied Commercial Property (SOCP): Up to 60% LTV.
- Rented Residential Property (RRP): Up to 70% LTV.
- Rented Commercial Property (RCP): Up to 60% LTV.
- Mixed Usage Property: Up to 65% LTV.
- Vacant Residential Property (VRP): Up to 55% LTV.
- Vacant Commercial Property (VCP): Up to 50% LTV.
- Industrial Property: 50% – 60% LTV.
- Plot: Within Municipal Limits – 50% LTV | Gram Panchayat – 25% LTV.
- Additional +5% LTV available with Insurance Coverage.
- Self-Construction: Up to 70% LTV.
- Commercial Purchase: Category A – 70% | Category B – 65% | Category C – 60%.
Eligibility Criteria
- Salaried: Up to 25 years
- Self-employed: Up to 20 years
- At least 18 years
- Identity Proof: Aadhaar card, PAN card, Passport, Voter ID, Driving License, Post Office Passbook with linked account statement
- Address Proof: Latest 3 months’ electricity/water/telephone bill
- Income Proof: Latest 3 months’ salary slip (for salaried)
- Business Proof: Latest unofficial or official records, ITR, GST (for self-employed)
- Minimum built-up area: 250 square feet
- Up to 2% + GST of the loan amount
- Processing fee is non-refundable and will be deducted from the loan before disbursal
Step-by-Step Process
Simple Path to Loan
Our goal is to provide a clear and concise overview of how our platform works and guide you through your loan application journey in just three easy steps.
Explore & Select Your Loan
Begin by browsing our wide range of loan categories right here on our homepage. Find and select the type of loan that matches your financial need—whether it's for a new home, a growing business, or a personal goal.
Choose Your Preferred Partner
Once you've selected a loan type, you'll see the trusted financial partners who offer it. Review the options available from leading institutions like Kotak Mahindra Bank, Aditya Birla Capital, and Aavas Financiers, and choose the one you prefer to proceed with.
Apply in Minutes
Clicking 'Apply Now' will take you to a simple and secure application form. Fill in your details and submit your request. That's it! Your information will be sent directly to your chosen partner, who will then contact you to take the process forward.