LAP Balance Transfer & Top-Up
Move your loan against property to IndoStar and get additional funds.
Overview
Transfer your running LAP from another lender to IndoStar to restructure your repayments and access a top-up loan for your business needs.
Features & Benefits
- Balance transfer of existing LAP
- Additional top-up funding
- Re-aligned tenure
- Quick processing
- Transparent charges
- Doorstep service
Eligibility Norms
- Existing LAP with satisfactory repayment track
- Clear property title
- Age 21 to 70 years at loan maturity
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
1
Apply
Share your requirement online, over the phone or at your nearest IndoStar branch.
2
Property & Cash-Flow Check
We assess your property title and business cash flows — not just your ITR.
3
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 needed for balance transfer?
KYC, property documents, the existing lender's sanction letter, loan statement and list of documents held by them.