Loan Against Property
Unlock the Hidden
Value of Your
Property
for Business Growth
Unlock capital for your business with our Loan Against Property solutions. Get flexible terms, competitive rates, & quick approvals.
A Loan Against Property (LAP) is a secured loan availed against your land, house, or commercial premises — sanctioned based on the current market value of your property.
₹10L – ₹10Cr
Up to 70%
Loan-to-Value₹10L–₹10Cr
Loan Range11%+
Starting Rate15 Years
Max TenureLoan-to-Value Ratio
Up to 70%
What is a Loan Against Property?
A Loan Against Property (LAP) is a secured loan that can be availed of against the asset pledged as collateral. The asset could be your land, house, or commercial premises. The loan is sanctioned based on the current value of the property. The property remains as collateral until the loan is repaid. Because of its flexibility in terms of usage, LAP has become a preferred option for business expansion and debt consolidation.
Eligible Property Types
Multiple property categories accepted — residential, commercial, industrial, and land plots.
Residential Property
Leverage your house, flat, or villa as collateral to unlock significant working capital.
Commercial Property
Use office spaces, retail shops, or commercial complexes to access high-value loans.
Industrial Property
Factories, warehouses, and industrial units accepted as eligible collateral.
Land / Plot
Non-agricultural and approved residential/commercial plots qualify for LAP.
Key Features and Benefits
Purpose-built financing advantages that give your business a competitive edge.
Quick Access to Funds
Gain quick access to the capital required for essential business purchases, including inventory, equipment, raw materials, and supplies — helping you meet urgent operational needs while maintaining healthy cash flow.
Flexible Repayments
Repay your business loan with flexible EMI options and customised tenures designed to align with your cash flow, ensuring greater financial flexibility and easier loan management.
Instant Disbursement
Receive your sanctioned loan amount within 24–48 hours, giving your business fast access to the funds needed to manage operations, seize opportunities, and drive growth.
Growth & Profitability
Unlock growth opportunities with flexible financing that enables you to expand operations, invest in your business, and increase profitability — without straining your existing financial resources or cash flow.
Collateral-Free
Access unsecured business loans without pledging land, property, bank guarantees, or any other business collateral — enabling faster approvals, simpler documentation, and hassle-free financing for your business.
Improved Working Capital Cycles
Benefit from competitive and transparent interest rates designed to keep your borrowing costs low, making business financing more affordable and supporting your long-term growth objectives.
How It Works
From application to funded account — a clear, transparent, four-step journey.
Apply Online
Submit your application with basic business and property details — takes under 5 minutes.
Property Valuation
Our empanelled valuers assess your property's current market value to determine your loan eligibility.
Credit & Legal Check
We verify your credit profile and complete legal due diligence on the property title.
Funds Disbursed
Post approval and mortgage creation, funds are credited to your account within 48 hours.
Eligibility & Required Documents
Simple criteria and a clear document checklist to get your LAP approved fast.
Eligibility
Basic criteria to qualify
A Minimum of 2 Years of Business Operation
650+ Credit Score
No EMI Defaults
Identity & Business Docs
KYC and entity verification
- Promoter's Aadhaar Card
- Promoter's PAN Card
- Business PAN Card
- Business address proof
- GST certificate
Financial Documents
Statements and tax records
- Bank statement – Last 6 months
- Audited financial statements – Latest 3 years
- ITR with computation of taxes – 3 Yrs
- GST return (3B, GST R1) – last 4 qtrs
Property Documents
Required for collateral verification and legal due diligence
5-minute online application · Property valuation arranged · No obligation
Get Funding For Your Business
Start your application today — approval in as little as 24 hours.