Loan Against Property (LAP)

High-value liquidity secured against commercial or residential real estate.

Leverage idle real estate assets to access large-ticket capital at significantly lower interest rates than unsecured loans, with repayment horizons extending up to 20 years.

Check Eligibility4-hour callback · No CIBIL impact

Starting Rate

9.25%p.a.

Facility Ceiling

Up to ₹50 Crore

Tenure Horizon

5–20 Years

Processing Fee

0.50% to 1.00% of sanction

Advisory Transparency

Facility Suitability at a Glance

We decline mandates where other credit structures serve the client better.

Recommended For

•Business owners needing substantial working capital without selling valuable property
•Real estate owners seeking lower EMIs by consolidating multiple high-rate loans into a single mortgage
•Promoters financing industrial expansion, hotel development, or medical institutions
•Individuals funding overseas higher education or substantial capital requirements

Not Recommended For

•Properties under family title dispute or unpartitioned joint inheritance without all co-owners
•Agricultural land without non-agricultural (NA) conversion certificate
•Borrowers needing small ticket amounts under ₹25 Lakhs

Live Credit Desk Benchmarks

Institutional Partner Comparison

Updated September 2026 · Wholesale Banding

Lending Institution	Indicative Interest Rate	Max Tenure	Processing Fee	Action
State Bank of India	9.25% – 10.25%	15 Years	0.50%	Apply→
ICICI Bank	9.35% – 10.50%	15 Years	0.75%	Apply→
HDFC Bank	9.30% – 10.40%	15 Years	0.50%	Apply→
Axis Bank	9.40% – 10.60%	20 Years	0.75%	Apply→
Tata Capital	9.75% – 11.25%	15 Years	1.00%	Apply→

Underwriting Matrix

Institutional Eligibility Criteria

Criterion	Salaried Individual	Self-Employed / MSME	Certified Professional
Age Bracket	21 to 65 years	23 to 70 years	22 to 70 years
Eligible Real Estate	Residential / Commercial	Residential / Commercial / Industrial	Residential / Clinic / Commercial
LTV Ratio	Up to 65% of market value	Up to 60%–70% of market value	Up to 65%–70%
Income Eligibility	Min ₹50,000 / month	Min ₹5 Lakhs annual profit	Min ₹4 Lakhs annual gross

Dossier Readiness

Required Documentation Checklist

Organized documentation accelerates credit approval to under 24 hours.

KYC documents of all property co-owners

Complete property title deed chain (minimum 13 to 30 years search report)

Approved map/plan from Noida / Greater Noida Authority or municipal body

Latest paid property tax receipt and electricity bills

Financial Modeling

Interactive Loan Against Property (LAP) EMI Calculator

Facility Amount₹1,50,00,000

Interest Rate (p.a.)9.50%

Tenure15 Years

Monthly Outflow (EMI)

₹1,56,634/ month

Total Interest₹1.32 Cr

Total Repayment₹2.82 Cr

Check Eligibility for ₹1.5 Cr

Advisory Desk

Frequently Asked Questions

Self-occupied residential houses, rented residential flats, commercial retail shops, corporate offices, and industrial sheds with clear title.

Ready to structure your Loan Against Property (LAP)?

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