Loan Against Property
Unlock the power of your property with quick, high-value funding.
Explore LAP Options
IndoStar's loan against property (mortgage loan) helps self-employed professionals and small businesses raise funds against residential or commercial property — for business expansion, working capital, education or other needs.
We assess your real business cash flows, so even customers with limited formal income documents can qualify.
Explore LAP Options
Micro LAP
Small-ticket loans for Tier 2/3 businesses without mandatory ITR.
MSME Business Loan
Secured working-capital and expansion funding.
Commercial Property Loan
Loans against shops, showrooms and warehouses.
Balance Transfer & Top-Up
Move your LAP to IndoStar and get extra funds.
Features & Benefits
- Loans against residential and commercial property
- Competitive LTV
- Tenures up to 15 years
- Cash-flow based assessment
- Quick disbursal
- Balance transfer with top-up
Eligibility Norms
- Self-employed individuals, proprietors, partnerships and companies
- Age 21 to 70 years at loan maturity
- Clear and marketable property title
Documents Required
KYC Documents
- PAN card of applicant and co-applicants
- Aadhaar / voter ID / passport
- Business address proof
Income Documents
- Last 12 months' bank statements
- ITR / GST returns (if available)
- Business registration or Udyam certificate
Property Documents
- Title deed / sale deed and chain documents
- Approved building plan
- Latest property tax receipt and society NOC (if applicable)
Apply In Simple Steps
Apply
Share your requirement online, over the phone or at your nearest IndoStar branch.
Property & Cash-Flow Check
We assess your property title and business cash flows — not just your ITR.
Sanction & Disbursal
Sign the agreement and receive funds directly in your bank account.
Interest Rates & Fees
- Interest rates are linked to the property type, loan-to-value and applicant risk profile, as per IndoStar's interest rate policy.
- Processing fees and legal / valuation charges are disclosed upfront in the sanction letter.
- No foreclosure charges on floating-rate loans to individual borrowers for non-business purposes, as per RBI guidelines.
Frequently Asked Questions
What documents are required for loan against property?
KYC, income proof (bank statements / ITR where available) and property title documents. See the full checklist on our LAP Eligibility & Documents page.
How much can I borrow?
The amount depends on the property's market value, LTV norms and your repayment capacity. Try the LAP Eligibility & LTV calculator.
What can I use the loan for?
Business expansion, working capital, purchase of equipment, education, medical needs or debt consolidation.
How quickly is LAP disbursed?
After legal and technical verification of the property, disbursal is typically completed within a few working days.