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Mortgage Loan /
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Explore loan against property options with expert guidance

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Flexible
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Use for Multiple
Business or Personal Needs

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Since

2007

100,000+

Customers Assisted

160+

Lending Partners

Pan-India

Loan Assistance

Trusted by Business Owners Across India

From small businesses to growing enterprises, we help you find the right funding options.

What is a Loan Against Property (LAP)?

A loan against property (LAP) is a secured loan where you can avail funds by pledging your residential, commercial, or other eligible property. The loan can be used for business expansion, working capital, personal needs, education, medical expenses and more.

Flexible Loan Amount

Multiple Lending Options

Competitive Interest Rates

Guidance at Every Step

What Can You Use a Mortgage Loan For?

A LAP can be used for a wide range of personal and business needs, including:

Business Expansion

Business Expansion

Fund your growth plans

Working Capital

Working Capital

Manage day-to-day business needs

Education

Education

Support higher education expenses.

Medical

Medical

Purchase stock and raw materials.

Other Personal Needs

Other Personal Needs

Use funds for any legtimate purpose.

LAP EMI Calculator

Plan your repayments with our quick calculator.

₹10,00,000
14%
5 Years

Estimated EMI

₹23,268

per month

View Detailed Calculator →

Eligible Property Types

Subject to lender policy, eligible properties typically inclues:

Residential Property

Residential Property

Self-occupied or rented residential property.

commercial Property

commercial Property

office,shop, commercial, space

Plot/ Land

Plot/ Land

Residential or commercial land.

Industrial Property

Industrial Property

Factory, warehouse or industrial space..

Who Can Apply?

We work with a wide range of business profiles, including:

Salaried Individuals

.Employees in private or public sector

.Minimum income as per lender policy

.stable work profile

Self-Employed Individuals

.Business Owners, professionals

.Minimum income as per lender policy

.Stable bussiness vintage

Documents Required

Documents may vary by business type and lender.

Identity Proof

Aadhaar, PAN, etc.

Business Proof

Registration, GST, etc.

Financial Documents

ITR, Balance Sheet, P&L

Bank Statements

Latest 6-12 months

Address Proof

Utility bill, Rent agreement, etc.

General Eligibility Criteria

  • Age: Typically 21 to 65 years
  • Minimum business vintage (varies)
  • Stable operations and income
  • Satisfactory credit (CIBIL score)
  • Minimum annual turnover
  • Meeting lender-specific criteria

Factors That Affect Eligibility

Your eligibility may depend on:

Business Vintage
Industry Type
Annual Turnover
Existing Loans / EMIs
Profitability
Business Location
Credit Score
Lender-specific Criteria

Your Business Loan Journey in 4 Simple Steps

From enquiry to disbursement, we're with you at every step.

01
Share Your Requirement

Tell us about your business and funding needs.

02
Understand Your Options

Our team helps you identify suitable lending options.

03
Apply & Documentation

Get assistance with the application and documents.

04
Sanction & Disbursement

The lender processes the application and completes disbursement.

Factors That Affect Eligibility

Your eligibility may depend on:

Business Vintage
Industry Type
Annual Turnover
Existing Loans / EMIs
Profitability
Business Location
Credit Score
Lender-specific Criteria

Frequently Asked Questions

Get answers to common questions about business loans.

View All FAQs →
What is a Mortgage Loan?
A Mortgage Loan is a secured loan where an eligible property may be offered as security for the loan. Depending on the product and lender, the loan may be used for permitted personal or business requirements.
What types of property can be used as security for a Mortgage Loan?
The types of acceptable property depend on the lending partner's policy. Eligible residential or commercial properties may be considered subject to legal, technical and valuation assessment.
How much Mortgage Loan can I get against my property?
The eligible loan amount depends on factors including the property's assessed value, location, legal and technical status, borrower income, repayment capacity, existing obligations and the lending partner's policy.
Can I get a Mortgage Loan against a residential property?
Depending on the lender's policy, eligible residential property may be considered as security for a Mortgage Loan.
What documents are required for a Mortgage Loan?
Requirements vary depending on the borrower, property and lending partner. Documents may include:
Can I get a Mortgage Loan against a commercial property?
Some lending partners may offer financing against eligible commercial property, subject to property valuation, legal verification, borrower eligibility and other applicable criteria.
What can I use a Mortgage Loan for?
Depending on the loan product and lending partner, a Mortgage Loan may be used for eligible personal or business requirements.The permitted end-use should be confirmed with the respective lending partner before proceeding.
Does the property need to be valued before a Mortgage Loan is approved?
Typically, the lending partner may arrange a property valuation and technical assessment to determine whether the property meets its requirements and to assess its value for lending purposes.
Does a Mortgage Loan require legal verification of the property?
Yes. The lending partner may conduct legal verification to check ownership, title and other relevant property-related matters before approving the loan.
Can I get a Mortgage Loan if I already have a loan against the property?
Depending on the circumstances and lending partner's policy, options such as balance transfer or other eligible financing arrangements may be available.
What happens if I do not repay a Mortgage Loan?
A Mortgage Loan is secured against property. Failure to repay the loan can result in consequences under the applicable loan agreement and law, which may include enforcement of the lender's security rights.Borrowers should carefully review the repayment terms before accepting a secured loan.

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