Unlock the value of your property

Loan Against Property

Up to ₹15.50 crore* · Rates from 7.5% p.a.* · Tenure up to 15 years · Disbursal in 72 hours*

Check Eligibility Calculate EMI

🏠

Up to ₹15.50 Cr*

Based on your mortgaged property

⚡

Disbursal in 72 Hrs*

After approval & documents

📅

Tenure up to 15 Years

Flexible repayment options

🔓

Multiple End-Use

No restriction on fund usage

Check your loan against property offer

Get a personalised offer up to ₹15.50 crore* against residential, commercial, industrial or open plot.

Loan Amount

Mobile Number

Property Type

7.5%*

Starting ROI

₹15.50 Cr

Max Amount

15 yrs

Max Tenure

72 hrs

Disbursal*

Why LAP

Features and Benefits of Loan Against Property

Loan up to ₹15.50 Crore*

Sizeable funding sanctioned based on the value of your mortgaged property.

Low Interest Rates

Affordable rates from 7.5% to 14.25% p.a. (fixed or floating).

Disbursal in 72 Hours*

Money in your account within 72 hours of approval, subject to documents and policy.

Tenure up to 15 Years*

Repay conveniently with tenures ranging up to 15 years.

Multiple End-Use Options

No end-use restrictions — emergency, wedding, education, business expansion and more.

No Foreclosure Charges*

Nil foreclosure/part-prepayment for individuals on floating rates (non-business use).

Flexi Loans

Zero charges on withdrawals and part-prepayments on Flexi variants.

Externally Benchmarked Rates

Link to repo rate and benefit during favourable market conditions.

Property Types

Select Type of Property

Residential, commercial, industrial, open plot or balance transfer.

🏡

Residential

Mortgage your home or flat for funds.

🏢

Commercial

Against office, shop or commercial space.

🏭

Industrial

Industrial property as collateral.

📍

Open Plot

Loan against vacant plot of land.

Who Can Apply

Eligibility Criteria and Documents Required

Eligibility Criteria

Nationality	Indian citizen with property in operating cities
Age	Min 21 yrs* (18 for non-financial owners) Max 85 yrs at maturity
CIBIL Score	650 or higher (ideal)
Occupation	Salaried, self-employed professionals & non-professionals

* Age at loan maturity. Co-applicant up to 95 yrs may be considered in some cases.

Documents Required

✓ Proof of identity / residence (Aadhaar, Passport, Voter ID, DL)
✓ Proof of income
✓ Proof of business (for self-employed)
✓ Bank account statements (last 6 months)
✓ Property documents (title, etc.)

Application

How to Apply in 15 mins*

Personal Details

Enter your personal information

Property Details

Provide property information

Check Eligibility

Instant check, no credit impact

Review Offer

Review and proceed with the offer

APPLY NOW

*Estimate in ideal conditions.

Plan Smart

Calculate Your LAP EMI

Loan Parameters

Loan Amount₹ 50,00,000

₹5L₹15.50 Cr

Tenure (Years)10 years

1 yr15 yrs

Interest Rate9%

7.5%14.25%

Estimated EMI

₹63,338

Principal₹50,00,000

Interest₹26,00,560

Total₹76,00,560

Tenure10 years

Check Actual Offer

Transparent Pricing

Applicable Fees and Charges

Type of Fee	Applicable Charges
Rate of Interest	7.5% – 14.25% p.a. (fixed or floating)
Processing Fee	Up to 3.54% of loan amount (incl. taxes)
Documentation Charges	Up to ₹2,360 (incl. taxes)
Flexi Facility Charges	Term Loan – N/A Flexi Loan – ₹999 to ₹29,999 (incl. taxes), deducted upfront
Full Pre-payment	Up to 4.72% on outstanding / Dropline Limit NIL for individuals on floating rate (non-business, MSE)
Part Pre-payment	Term Loan: up to 4.72% Flexi Dropline & Hybrid: Not applicable
Bounce Charges	₹1,500 per bounce
Penal Charge	36% p.a. per instalment from due date until full receipt
Stamp Duty	As per state laws
Mortgage Origination Fees	Up to ₹6,000 per property (incl. taxes)

*T&C apply. Exact rates and fees depend on profile, property and product variant.

FAQs

Frequently Asked Questions

A loan against property (LAP) is a secured loan where you mortgage your residential, commercial, industrial property or open plot to unlock funds. You retain ownership while using the property as collateral.

You can get a loan against property of up to ₹15.50 crore*, depending on the value of the mortgaged property and your eligibility.

Interest rates range from 7.5% to 14.25% p.a. (fixed or floating), based on your profile, property and product terms.

In most cases, funds are disbursed within 72 hours* of approval, subject to receipt of all applicable documents and risk policy.

Yes. There are no end-use restrictions — you can use the amount for medical emergencies, education, wedding, business expansion and other needs.

If all borrowers are individuals, the loan is on floating rate and for non-business use, there are typically no foreclosure or part-prepayment charges. Otherwise charges up to 4.72% may apply.

Calculators ▾

EMI Calculator, Eligibility Calculator, Prepayment Calculator and more tools to plan your finances.

Application Forms ▾

Download application forms for Personal Loan, Home Loan, Business Loan and other products.

Resources ▾

Guides, blogs, interest rate charts and financial literacy resources.

Support ▾

FAQs, customer care, branch locator and grievance redressal.

Reach us via phone, email or visit our nearest branch.

Language ▾

English | हिन्दी | मराठी | தமிழ் | తెలుగు