Your property keeps doing its job. It just funds the next thing too.
Illustrative photographA mortgage loan lets you borrow against property you already own — for business expansion, education, medical costs or any large personal need. Because it is secured, the rate is materially lower than an unsecured loan of the same size.
Residential, commercial and industrial property all accepted.
Large sanctions
Up to 75% of assessed market value, released as a single facility.
Secured means cheaper
Rates well below unsecured borrowing for the same amount.
5 to 20 year repayment
Pick the tenure that keeps the EMI in proportion to your income.
Most property types work
Residential, commercial and industrial property are all on the table.
One product name, several different structures. We will point you at the one that costs you least.
Loan against property
Raise funds against residential, commercial or industrial property.
Property purchase loans
Finance a new commercial or residential acquisition.
Balance transfer & top-up
Move an existing mortgage for better terms, and draw extra.
Age 21 to 65 years
Stable, documentable income
Good credit score
Clear and undisputed ownership of the property
Not sure you qualify?
Checking does not affect your credit score and does not commit you to anything. Send your details and we will tell you honestly where you stand.
Check eligibilityCollect these once and the rest moves quickly. Missing paperwork is the single biggest cause of delay on any loan file.
Property documents
- Proof of ownership and full property details
- Title deed and chain of ownership
- Latest property tax receipts
- Approved plan and occupancy certificate, where applicable
Proof of identity
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
- Driving Licence
Proof of address
- Aadhaar Card
- Utility bill (electricity, water, gas)
- Passport
- Voter ID
- Registered rent agreement
Income proof
- Latest salary slips (last 3 months)
- Bank statements (last 6 months)
- Form 16 or ITR (last 2 years)
- Income tax returns (last 2 years)
- Audited financials, where applicable
Move the sliders. This is the same reducing-balance formula every lender uses, so the figure you see here is the figure you should expect on a sanction letter at that rate.
A shorter tenure shrinks the teal slice fast.
- Principal
- ₹12,00,000
- Total interest
- ₹3,47,561
- Total payable
- ₹15,47,561
An estimate. Your sanctioned rate depends on your credit profile, income and the lender. Processing fees and insurance are not included above.