Secured finance

Let your property power your bigger plans.

Unlock long-tenure funding against eligible residential, commercial or industrial property for personal or business requirements.

✓ Higher funding potential✓ Longer tenure✓ Multiple end uses
Request property assessment →
Loan against property
ResidentialSelf-occupied / rented*
CommercialOffice or shop*
Long tenure*Manageable repayment
Flexible useBusiness or personal
How it works

Turn owned property into useful capital.

A loan against property is secured by an immovable property. Lenders assess both repayment capacity and the legal, technical and market value of the offered property.

Business expansion

Fund capacity, inventory or a new location.

Debt consolidation

Restructure eligible high-cost obligations.

Major expenses

Finance education, medical or family needs.

Basic assessment factors

Clear and marketable property title
Acceptable property type and location
Stable documented income or turnover
Property valuation and loan-to-value
Applicant and co-owner credit profile
Existing obligations and repayment capacity

Documents commonly requested

Applicant and co-owner KYC
Income / business financial documents
Sale deed and ownership chain
Approved plan and property tax receipt
Occupancy / completion documents
Existing loan statement, if mortgaged

Property loan EMI calculator

Monthly EMI
Total interest
Total repayment

Frequently asked questions

Lenders consider property value and permitted LTV along with documented repayment capacity. The lower eligible amount under these assessments usually applies.

Generally, all owners must consent and usually join the loan structure. Final requirements depend on lender legal review.

Balance transfer may be considered based on repayment track, outstanding amount, property documents, valuation and the new lender’s policy.

Understand your property’s potential.

Talk to us about valuation, documents and suitable lender options.

Speak with our team