Property Backed Funding

Unlock Your
Property's Value
with Rates as Lowest

Unlock the hidden potential of your property with a Mortgage Loan. Get huge funds at competitive rates while continuing to use your property.

Rates From

8.20% *

Max Funding

Up to 70%

Choose Your Solution

Different assets require different strategies. Explore our specialized mortgage programs.

Loan Against Residential Property

Get immediate funds by pledging your residential property (self-occupied or rented).

Benefits:

Up to 70% of property value
Tenure up to 15 years
Lower rates than personal loans

Loan Against Commercial Property

Utilize your shop, office, or showroom as collateral for business growth.

Benefits:

Higher loan amounts for shops/offices
Flexible repayment cycles
Self-employed friendly

Lease Rental Discounting (LRD)

Discount your future lease rentals from reputed lessees for immediate capital.

Benefits:

Lowest interest rates in LAP
High loan amount based on rent
Simple documentation

Mortgage Overdraft (OD) Facility

Pay interest only on the amount used from your sanctioned limit against property.

Benefits:

Interest on utilized amount only
Flexible withdrawal and deposit
Available for businesses

Our Partner Banks

Top-rated financial institutions supporting your residential property needs

BANK OF BARODA

STATE BANK OF INDIA (SBI)

HDFC BANK

ICICI BANK

AXIS BANK

BANK OF INDIA

KOTAK MAHINDRA BANK

Precision Planning

Fine-tune your finances with our specialized LAP calculator.

Mortgage / LAP EMI Calculator

Payment Frequency

Loan Amount (₹)

1 LAKH10 CRORES

Interest Rate (% p.a.)

5%20%

Tenure (Months)

1 YEAR20 YEARS

Monthly Payment

₹12,399

Total Payment

₹1,487,828

Total Interest Payable

₹487,828

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Explore Mortgage Variants

A side-by-side analysis of our specialized mortgage solutions to help you find the perfect fit.

Feature	Residential LAP	Commercial LAP	LRD Facility	Overdraft LAP
Primary Purpose	Personal / Business Funds	Business Expansion	Liquidity vs Rent	Working Capital
Property Type	House / Apartment	Office / Shop / Showroom	Leased Commercial	Resi / Commercial
Max Funding	Up to 70% of Market Value	Up to 60% of Market Value	Based on Rental Discounting	Up to 65% of Value
Interest Rate	Starts from 8.40% p.a.	Starts from 8.75% p.a.	Starts from 8.20% p.a.	Starts from 8.45% p.a.
Best For	Homeowners & Salaried	Business Owners & SMEs	Real Estate Investors	Flexible Cash Flow Needs

Mortgage Loan vs Personal Loan vs LAP

Analysis of property-backed funding compared to other major credit facilities.

Feature	Mortgage Loan	Personal Loan	Business Loan
Interest	8.2–11%	10–18%	12–22%
Tenure	15–20 Years	5 Years	1–5 Years
Loan Amount	High (Up to 70% LTV)	Medium	Medium
Security	Property Collatral	Unsecured	Unsecured / CGTMSE

Eligibility Criteria

Age: 21 to 70 years (at loan maturity)

Occupation: Salaried individuals, Professionals, and Self-Employed Business Owners

Property: Clear and marketable title of the property being pledged

Income: Stable income with positive repayment capacity

Nationality: Resident Indian and NRIs

Process Overview

A simple, transparent journey from application to disbursement.

Check Eligibility

•Share basic details like income, loan amount, and employment type
•Our team helps you check eligibility across multiple banks

Submit Documents

•Provide required KYC and income documents
•Documents are verified by the bank

Application & Processing

•Application is submitted to selected bank
•Bank evaluates credit score and property
•Legal & technical verification conducted

Loan Approval

•Bank issues Sanction Letter
•Loan amount, rate & tenure confirmed

Loan Disbursement

•Agreement signing
•Loan amount disbursed to seller / builder

Disclaimer:

The interest rates, loan amounts, and tenures mentioned are indicative and subject to the lender's final credit evaluation. Approval is at the sole discretion of the bank/HFC based on the property valuation, legal reports, and the applicant's financial profile.

Frequently Asked Questions

Got questions about mortgage loans? We've got answers.

Ready to Secure Your Financial Future?

Don't wait to achieve your dreams. Whether it is your home, growing your assets, or protecting your family, we support are here to guide you. Get started on your financial success today.