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LOAN AGAINST PROPERTY

Your Property Has Untapped Value. Unlock It Now.

Turn your residential, commercial or industrial property into working capital, business growth, or personal funds — with a Loan Against Property from 9.25%*.

"Opportunity: Turn Your Property Into Your Business Engine."

Apply for LAP Check My Property Eligibility

Max Amount

₹15 Crore

Starting Rate

9.25%* p.a.

Max Tenure

20 Years

Property Types

Residential · Commercial · Industrial

Tailored LAP Options

Unlock Property Value for Business Growth, Expansion & Liquidity.

Explore custom Loan Against Property options for residential, commercial, industrial, and special income properties.

1 — LAP on Residential Property

Mortgage your residential house, apartment or villa to access funds for business expansion, debt consolidation, children's education, medical, or any personal need.

Loan up to 60–65% of property market value
Salaried or Self-Employed eligibility
Clean title • No existing mortgage

Starting at 9.25%* p.a. Apply Now

2 — LAP on Commercial Property

Unlock the value of your office, shop, warehouse, or commercial space — for business growth without diluting equity.

Loan up to 55–60% of commercial property value
Business vintage 2+ years • ITR required
Self-use or rented commercial property funded

High Value Commercial Capital Explore LAP

3 — LAP Balance Transfer

"Now Your CIBIL and Salary May Have Improved. Switch to a Lower LAP Rate."

Transfer your existing LAP to a better bank at a lower rate. Significant interest savings over a long LAP tenure.

Minimum 12 EMIs paid on current LAP
Current bank charges reduced — new bank offers lower rate
Seamless digital transfer process

Reduce LAP EMI Costs Check Savings

4 — LAP with Top-Up

Get more funds over your existing LAP — when your property value has appreciated or your income has grown.

Higher top-up based on property market appreciation
Single combined EMI with low LAP interest rates
Fast-track sanction for existing LAP accounts

Appreciation Funding Get Top-Up

5 — Special Properties — Income Multiplier

"Opportunity: Club Multiple Income Properties into One LAP."

Right Lender's AI evaluates non-standard properties against specialist lenders who fund these specific property categories.

Kalyana Mandapam / Marriage Hall

Rental income accepted as repayment proof for higher eligibility.

Empty Plot

Land value considered for prime commercial & urban locations.

Industrial Shed / Godown

Up to 50% of market value funded for manufacturing & logistics hubs.

Multiple Properties

Club rental income from multiple units to maximize loan amount.

Apply for LAP

Seamless 4-Step Process

From Property Appraisal to Fund Disbursal in 4 Simple Steps.

Get your LAP processed, sanctioned & disbursed smoothly.

Submit Details

Property and income details submitted digitally through our secure portal.

Dedicated LAP RM

Dedicated LAP RM assigned within 1 business hour to structure your proposal.

AI Matching

AI matches to specialist LAP lender based on property type, valuation & LTV.

Sanction & Disbursal

Legal + Technical → Valuation → Sanction → Disbursal (typically 15–25 days).

TRUSTED BANK PARTNERS

65+ Banks and NBFCs. Your Profile Matched to All of Them at Once.

Milestone Tracking

From Applied to Valuation to Disbursed — Track Every Stage Live.

Stage 1: Application Submitted

Basic details & property details collected securely.

Stage 2: AI Match Complete • Specialist Lender Assigned

Our engine ranks 65+ LAP lenders by approval odds.

Stage 3: Property Valuation & Legal Check

Technical valuation report & title search verification.

Stage 4: Financial Eligibility & ITR Validation

Income proof, rental receipts, and banking verified.

Stage 5: Official Sanction Letter Issued

Final sanction amount, LTV & interest rate approved.

Stage 6: Mortgage Mortgage Agreement

Property mortgage agreement executed with bank.

Stage 7: Funds Disbursed

Funds transferred directly to your business/bank account.

RIGHT LENDER APP Live Sync Active

Download the Right Lender App.

Track your Loan Against Property from any device — get notified at every milestone automatically.

Apply For LAP Now