Loan Against Property
Turn the value of an eligible residential or commercial property into planned finance for business needs, education, medical expenses, debt consolidation and other important requirements.
Finance designed around your property value
A Loan Against Property can provide access to secured funding while your property remains the underlying security, subject to lender policy, valuation and eligibility.
Higher funding potential
Funding is assessed against property value, income, repayment capacity and applicable lender norms.
Business & personal needs
Explore funding for eligible business, education, medical, renovation or other genuine financial requirements.
Secured finance structure
Property-backed borrowing may offer a different pricing structure from unsecured credit, subject to lender assessment.
Guided application
Our team helps organise the property, income and KYC documents needed for assessment.
What property can be considered?
Exact eligibility depends on property title, location, valuation, ownership, usage and the applicable lender's credit policy.
Residential Property
House, flat or other eligible residential property with acceptable ownership and title documents.
Commercial Property
Eligible shops, offices or commercial premises subject to location, title and valuation checks.
Commercial / Industrial Premises
Selected properties may be considered after legal, technical and lender-specific assessment.
What lenders generally assess
CIBIL score is one factor only. Final eligibility and sanction depend on the complete applicant, income, property and credit profile.
Keep your credit profile healthy
Before applying, review repayment history, existing obligations and recent enquiries. Pay dues on time and avoid multiple unnecessary applications.
CIBIL / Credit ProfileRepayment history
Timely repayment of existing credit is an important part of credit assessment.
Income & obligations
Income, existing EMIs and other liabilities may be considered for repayment capacity.
Property valuation
Property value and technical assessment can influence the eligible loan amount.
Title & ownership
Ownership, title chain and legal documentation are reviewed as applicable.
Recent enquiries
Multiple credit applications in a short period can affect the overall credit profile.
Age & profile
Applicant age, employment/business profile and stability may be part of assessment.
Keep these documents ready
Requirements vary by lender and applicant profile. Common document categories include the following.
KYC Documents
PAN, Aadhaar and address/identity documents as applicable.
Income Proof
Salary slips, bank statements, ITR or business financials as applicable.
Property Papers
Sale deed, title documents, approved plans and tax/utility records as applicable.
Business Proof
GST, registration, licences or other business documents where relevant.
From enquiry to assessment
A structured process helps keep the application clear and document-ready.
Enquiry
Share your funding requirement and basic applicant profile.
Eligibility
Understand applicable credit, income and property criteria.
Documents
Provide the requested KYC, income and property papers.
Assessment
The applicable lender reviews valuation, legal and credit factors.
Talk to a Property Finance Advisor
Share your requirement and our team can guide you on the next steps, documents and applicable eligibility.
- Property-backed funding guidance
- Residential & commercial property
- Document checklist support
- Application assistance
Loan Against Property Enquiry
Tell us a little about your requirement. Final approval is subject to applicable lender assessment.
Planning to unlock your property's value?
Start with a structured Loan Against Property enquiry and understand the next steps.
Start LAP EnquiryLoan availability, interest rate, tenure, eligible amount and approval are subject to the applicable lender's policy, property valuation, legal/technical checks and applicant eligibility.