Commercial Property & Shop LAP
Raise funds against your shop, showroom, warehouse or home — for your business.
Property Types Accepted
Whether your collateral is a shop, a showroom, a godown or your home, IndoStar can fund your business needs with a loan against property.
Property Types Accepted
Shops
Self-occupied or rented-out shops.
Showrooms
Retail showrooms and offices.
Warehouses
Godowns and industrial sheds.
Self-Occupied Home
Residential property used to fund business.
Features & Benefits
- Commercial and residential collateral
- Business-use funding
- Flexible eligibility
- Quick legal and technical evaluation
- Tenures up to 15 years
- Top-up options
Eligibility Norms
- Self-employed business owners
- Age 21 to 70 years at loan maturity
- Clear and marketable 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
Can I get loan against property with a low CIBIL score?
Applications are assessed holistically including property and cash flows; approval is subject to IndoStar's credit policy.