Unlock Your Property's Value

Get instant funds by leveraging your residential or commercial property. Loan Against Property (LAP) up to INR 50 Million (₹5 Crores) with competitive interest rates and flexible repayment options.

Service Area: Kerala Only - We provide Loan Against Property services exclusively across all districts of Kerala.

Key Loan Features

• Competitive interest rates starting from 9.5% p.a.
• Flexible tenure options from 5 to 20 years
• Quick approval process within 3-5 working days
• Minimal documentation required
• Up to 70% of property value as loan amount
• No end-use restrictions - use funds for any purpose
• No hidden charges or prepayment penalties
• Retain ownership and possession of your property

Property Types Accepted

Eligible Properties

• Residential properties (house, apartment, villa)
• Commercial properties (office, shop, warehouse)
• Industrial properties and land
• Self-occupied or rented properties
• Under-construction properties (select cases)
• Plots with clear title

Loan Takeover & Top-Up

Transfer Benefits

• Lower interest rates - Save up to 1-2% on your current rate
• Top-up loan facility on existing LAP
• Zero foreclosure charges from our end
• Seamless transfer process with end-to-end support
• Extend your loan tenure for lower EMIs
• Free property valuation and legal verification
• Transfer from any bank or NBFC to our partner institutions

Our Banking Partners

Nationalized Banks

• State Bank of India (SBI)
• Punjab National Bank (PNB)
• Bank of Baroda (BOB)
• Canara Bank
• Union Bank of India
• Bank of India (BOI)
• Indian Bank
• Central Bank of India
• Indian Overseas Bank (IOB)
• UCO Bank
• Bank of Maharashtra
• Punjab & Sind Bank

Leading NBFCs

• HDFC Ltd
• LIC Housing Finance
• Bajaj Housing Finance
• PNB Housing Finance
• Indiabulls Housing Finance
• Tata Capital Housing Finance
• IIFL Home Finance
• Piramal Capital & Housing Finance
• Shriram Housing Finance
• Aadhar Housing Finance

Special Services for NRIs

NRI Loan Benefits

• Dedicated NRI loan against property schemes
• Loan processing in foreign currency (USD, GBP, EUR, AED)
• Remote documentation and digital verification process
• Power of Attorney (POA) facility for property matters
• Repatriation benefits under RBI guidelines
• Expert guidance on FEMA regulations
• Flexible EMI payment options in India or abroad

Service Coverage in Kerala

We serve customers across all 14 districts of Kerala including Thiruvananthapuram, Kollam, Pathanamthitta, Alappuzha, Kottayam, Idukki, Ernakulam, Thrissur, Palakkad, Malappuram, Kozhikode, Wayanad, Kannur, and Kasaragod.

Eligibility Criteria

Who Can Apply

• Salaried individuals with minimum income of ₹30,000/month
• Self-employed professionals and business owners
• NRIs and PIOs with property in Kerala
• Age: 21 to 65 years
• Good credit score (CIBIL 700+)
• Clear property title with no legal disputes
• Property must be located in Kerala

Unlock your property's value today! Get instant funds for business expansion, education, medical needs, or any purpose. Apply now!