Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs

SUPPORT

  • Home
  • Loan Against Property
Overview
Apply Now
Overview
Required Documents Rates & Charges Calculator EMI Options

Loan Against Property Up to ₹ 10 Crore*

Meet your urgent financial needs with a loan against your property, offering a tenure of up to 240 months. At Tata Capital, we provide loans of up to Rs. 10 crore* with no restrictions on usage, making it a flexible solution for both personal and business expenses. Enjoy benefits like attractive interest rates, a long repayment tenure, quick disbursal, and a hassle-free application process.

  • LAP Loan Amount

    Upto 10 Cr

  • LAP Loan Tenure

    12- 240 months

  • Interest rate starting @

    9%* p.a

    View Rates & Charges

Loan Against Property Interest Rates - TCL Retail Prime Lending Rates (TCL RPLR)

Effective From TCL RPLR
September 1st 2024 11.50%
May 1st 2024 11.30%

Note: The above PLR will be applicable for the cases disbursed on or after 1st May 2024.

LAP Rate - Prime Lending Rates (PLR)

Effective From PLR
September 1st 2024 20.20%
March 11th 2024 20.00%
March 3rd 2023 19.75%
January 1st 2023 19.50%
September 30th, 2022 19.25%
August 22nd, 2022 18.75%
June 15th, 2022 18.25%
May 16th, 2022 17.75%
January 1st, 2019 17.45%
October 1st, 2018 17.15%
July 1st, 2018 16.85%
May 1st, 2018 16.65%
November 1st, 2015 16.50%
May 1st, 2015 16.65%
December 10th, 2013 16.75%
September 1st, 2013 16.65%
March 1st, 2013 16.40%
October 1st, 2011 16.50%
July 1st, 2011 16.00%
April 1st, 2011 15.50%
December 20th, 2010 14.75%
November 15th, 2010 14.25%
January 1st, 2009 13.75%

Note: The above PLR will be applicable for the cases disbursed before 1st May 2024.

Loan Against Property Eligibility Criteria
 

If you're a salaried individual, you must fulfil the following loan against property eligibility criteria:

  • Segment - Working in MNC / Public Ltd. Co/ Large Pvt. Ltd. Co./State Govt/ Central Govt. / PSU

  • Age - Minimum- 23 Years and Maximum- 65 Years or age of retirement - whichever is earlier at loan maturity

  • Occupational Stability - Minimum 3 Years

Documents Required to Avail Loan Against Property

Applying for a Loan Against Property with Tata Capital is simple and requires minimal paperwork. The loan against property documents required vary based on whether you are salaried or self-employed.
 

If you are a salaried employee meeting the LAP eligibility criteria, you need to submit the following:

  • Recent Passport-Sized Photograph

  • Photo Identity Proof – Voter ID, Passport, Driving License, or Aadhaar Card

  •  PAN Card or Form 60 (if applicable)

  • Address Proof – Any of the following: Voter ID, Passport, Driving License, or Aadhaar Card

  • Signature Verification Document

  • For income proof, submit Form 16 for the last 2 years and a copy of your bank statements for the last twelve months

  • A Copy of your Salary slips for the last three months

How to Apply for Loan Against Property?

If you meet the eligibility criteria mentioned above, follow these steps to apply for a property loan against property online with Tata Capital :

  • Step 1: Visit this website: https://www.tatacapital.com/loan-against-property.html
  • Step 2: Click on the “Apply Now” button on this page.
  • Step 3: Provide your personal and property details in the application form.
  • Step 4: Submit the application form along with the required documents.

That's it! Once we successfully verify the application form and the submitted documents, the sanctioned loan amount will be disbursed to your account in no time.

    Features & Benefits of Loan Against Property

  • High Loan Amount

    Get a loan from Rs. 5 lakhs to Rs. 10 crores to meet business, personal, or emergency financial needs.

  • Competitive Interest Rates

    Interest rates start at 9 percent per annum, keeping borrowing costs affordable.

  • Flexible Tenure

    Repay over a period of up to 240 months or 20 years with EMIs suited to your financial situation.

  • Minimal Documentation

    Simple paperwork makes the loan process quick and hassle free.

  • Fast Processing

    Quick approval and disbursal help meet urgent financial needs without delays.

  • Multiple Usage Options

    Use the loan for business expansion, education, medical expenses, weddings, or other personal needs.

  • Wide Property Acceptance

    Residential, industrial, and commercial properties are accepted as collateral.

  • Transparent Process

    No hidden charges with clear terms and conditions for a fair borrowing experience.

whatsapp

Avail TATA Capital loans directly from WhatsApp

Properties Covered Under Loan Against Property

At Tata Capital, we understand that every property is unique, and so are your funding needs.

Here’s a detailed look at the types of properties eligible:

    • Residential Property: Whether it’s a self-occupied flat, an independent house, or a rented-out property, you can mortgage it to avail of a LAP. Even older constructions may be considered, subject to condition and valuation.

    • Commercial Property: This includes shops, offices, showrooms, or any other income-generating commercial space. Both rented and self-occupied commercial properties are eligible.

    • Industrial Property: Warehouses, factories, and small manufacturing units can also be pledged, provided they are owned by the borrower and meet regulatory guidelines.

    • Land/Plots: Loans can be availed against plots properly demarcated for residential or commercial use.

    • To qualify for a loan against land or property, the ownership should be undisputed, with all documents in place, including a clear title, sanctioned building plans (if constructed), and up-to-date property tax receipts.

Important RBI/Regulatory Updates

  1. Legal Identity Identifier (LEI): If a non-individual borrower has an aggregate exposure of Rs. 5 crore and above from banks and financial institutions, then that borrower shall be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized Local Operating Unit (LOU) within the timelines mentioned below as per different exposure brackets shall not be sanctioned any new exposure nor shall they be granted renewal/enhancement of any existing exposure.
     
Total Exposure LEI to be obtained on or before
Above Rs.25 Cr April 30, 2023
Above Rs.10 Cr upto Rs.25 Cr April 30, 2024
Rs.5 Cr and above, upto Rs.10 Cr April 30, 2025
  1. Retrieval of the Original Immovable Property Documents: For the retrieval of the original immovable property documents, the borrower in case of foreclosure of the loan, as per his/her preference, should visit the branch of service or any other branch as intimated by TCL where the documents would be made available with the foreclosure payment. In case of loan maturity, the borrower will receive an intimation from TCL within 30 days from the date of receiving the full and final repayment/settlement regarding the collection of the original property documents from branch(es) as aforesaid. Post receiving the intimation, the borrower should collect the documents within 10 working days. For the document retrieval process, the borrowers along with all the co-borrowers are required to bring self-attested valid KYC documents.


Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans: If an individual borrower has taken an EMI-based personal loan and has chosen an Adjustable Rate of Interest (AIR) or Combined Rate of Interest, in case of reset of the rate of interest, the Borrower has the option to switch to ‘Fixed Rate of Interest’ or opt for enhancement/reduction in EMI or tenure or combination of both. To know more about the options available and the possible impact of each of the available options, click here.

Loan Against Property in Different Cities

City-image-icon

Loan Against Property in Chennai

Know More
City-image-icon

Loan Against Property in Vijayawada

Know More
City-image-icon

Loan Against Property in Ahmedabad

Know More
City-image-icon

Loan Against Property in Mumbai

Know More
City-image-icon

Loan Against Property in Trivandrum

Know More
City-image-icon

Loan Against Property in Coimbatore

Know More
City-image-icon

Loan Against Property in Hyderabad

Know More
City-image-icon

Loan Against Property in Bangalore

Know More
City-image-icon

Loan Against Property in Kerala

Know More
City-image-icon

Loan Against Property in Delhi

Know More

What our customers say about us

Dr. Venkat M Alat

Loan Against Property

I think everything went on point; I don’t think I genuinely need something to add.

RM SECURITY SERVICES

Loan Against Property | 24 May, 2025

I am so happy to have chosen Tata Capital for the loan process.

SSS INTERIOR WORKS

Loan Against Property | 19 May, 2025

Excellent and best service at all times.

SINHASAN RAMPATI PRAJAPATI

Loan Against Property | 19 May, 2025

Overall, very good support and service provided. Thank you.

L G S ANUP RAJ

Loan Against Property | 13 May, 2025

All is good with the procedure, and I have nothing to suggest.

MAULI ENTERPRISES

Loan Against Property | 12 Apr, 2025

Tata Capital's service is very good, and the person was very cooperative. Best services.

S M FABRICATORS AND ENGINEERS

Loan Against Property | 02 Apr, 2025

Good services by the Tata Capital team. I will definitely recommend Tata Capital to my friends.

DR SANDEEP SKIN HAIR AND LASER CLINIC

Loan Against Property | 31 Mar, 2025

Very good service and very good experience with Tata Capital

M K TYRE SERVICE

Loan Against Property | 25 Mar, 2025

All the best. Keep striving to live up to customer satisfaction and take forward the TATA GROUP legacy

BIDYA DEVI

Loan Against Property | 15 Mar, 2025

Read All

FAQs on Loan Against Property

Related Videos

#loanagainstproperty

Know more about Loan Against Property Loans

Apne makaan ke dum par karo aapke sapne sach. Unlock the potential of your property with Tata Capital– Loan against property. With attractive interest rates and flexible tenure, Tata Capital– Loan against property is the perfect solution for you! 

1:11

Tax Benefits on Loan Against Property | Tata Capital

1:1

Loan Against Property Blogs

Loan Against Property
Loan Against Property
What is the Transfer of Property Act?
20 February, 2025
Loan Against Property
Loan Against Property
What is Immovable Property? Types, Rights, and Differences ...
13 February, 2025
Loan Against Property
Loan Against Property
How to Use a Loan Against Property for Medical Emergencies ...
17 December, 2024
Our Subsidiaries
Our Private Equity Funds

Useful Links and Resources

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Policies, Codes & Other Documents

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Tata Capital Solutions & Services

Uh oh, something went wrong

Please try again later.

thankyou

Thank you for subscribing

We will send news and updates to your registered email ID

Beware of Frauds!

For any assistance, contact our customer support

offers-icon

rahul.sharma@gmail.com

Looking for offers...

loader
Chat
tia-chatbot tia-chatbot-mobile Ask TIA

Accessibility Menu

Reset

Profiles

Blindness

Optimise website for screen readers

Dyslexia

Optimise website for screen readers

Visually Impaired

Enhances website’s visual

Cognitive and Learning

Assists with reading & focusing

Epilepsy

Clear flashes & reduces color

ADHD

More focus & fewer distractions

Content

Bigger Text

Line Height

Letter Spacing

Aa

Aa

Page Read
Bigger Cursor
Hide Images
Text Alignment
Highlight Heading
Text Magnifier
Image Description
Enlarge Buttons
Colors
Low Saturation
High Saturation
Grayscale
White High Contrast
Invert Color
Dark High Contrast
Color Adjustment

Adjust Text Colors

Reset

Adjust background Colors

Reset

Navigation
Reading Line
Highlight Links
Reading Mask
Pause Animation
Page Structure
Dictionary
Virtual Keyboard
Reading Line & Mask

Screen Reader Options

Hover on content for start reading.

×

Volume

Rate

Pitch

Start
Pause
Resume
Stop

Page Structure

×

Dictionary

×

Meaning of selected word show here.

Virtual Keyboard

×
` 1 2 3 4 5 6 7 8 9 0 - = del
tab q w e r t y u i o p [ ]
caps a s d f g h j k l ; ' return
shift z x c v b n m , . / shift
Space