Loan Against Property (LAP)

Unlock the value of your property with our Loan Against Property. Get high-value funding up to ₹5 Crores at interest rates starting from 9.5% p.a. with long repayment tenure up to 20 years.

Whether for business expansion, education, medical needs or debt consolidation, LAP offers affordable EMIs and flexible usage with your property as security.

What is a Loan Against Property?

A Loan Against Property is a secured loan where you mortgage your residential or commercial property to avail a high loan amount at lower interest rates.

LAP allows you to raise substantial funds by pledging your owned property as collateral. Since the loan is secured, lenders offer lower interest rates and longer tenure compared to personal loans.

You can use the funds for business growth, higher education, weddings, medical emergencies or consolidating existing high-interest loans.

Types of Loan Against Property

Choose the right LAP option based on your financial needs.

Residential Property LAP

Loan against self-owned residential house or flat.

Commercial Property LAP

Loan against office, shop or commercial space.

Balance Transfer LAP

Transfer existing LAP to lower interest rates.

Top-Up LAP

Get additional funding on existing LAP.

Features and Benefits

Discover why Loan Against Property is a powerful funding solution.

High Loan Amount

Avail funding up to ₹5 Crores.

Low Interest Rates

Attractive rates starting from 9.5% p.a.

Long Repayment Tenure

Tenure up to 20 years.

Multi-Purpose Usage

Use funds for business, education, medical or personal needs.

Balance Transfer Facility

Switch your existing LAP to lower EMI.

Flexible EMIs

Comfortable repayment options.

Documents Required for LAP

Keep the following documents ready for quick LAP approval.

Proof of Identity

  • Aadhaar Card
  • PAN Card
  • Passport
  • Voter ID

Proof of Address

  • Aadhaar Card
  • Passport
  • Voter ID
  • Utility Bill

Income Proof

  • Salary slips (last 3 months)
  • Bank statements (last 6 months)
  • ITR of last 2–3 years

Property Documents

  • Sale Deed / Title Deed
  • Approved Building Plan
  • Property Tax Receipts
  • Occupancy Certificate
Note: Additional documents may be required based on your profile, property type, loan amount and lender policies. Our advisors will guide you end-to-end.

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