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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

Calculate Loan Against Property EMI


Gone are the days of tedious manual calculations to determine your EMI. With Tata Capital’s Loan Against Property EMI Calculator, you can get an instant estimate of your EMIs in advance. Simply enter your loan amount, tenure, and interest rate, and the calculator will do the rest, providing you with accurate results in seconds.

 

Loan amount
₹
100,000,000%5,000,000%
₹5,00,000₹10,00,00,000
Loan duration
20%5%
1 Year20 Years
Loan duration
240%60%
12 Months240 Months
Rate of interest
%
15%9%
9% p.a15% p.a

Monthly EMI

₹1,03,792*

Created with Highcharts 9.0.1Total Amount ​ Payable​₹62,27,507*​Total Amount ​ Payable​₹62,27,507*Total Interest ​ Payable​₹12,27,507*​Total Interest ​ Payable​₹12,27,507*

  • Total Amount Payable

    ₹62,27,507*

  • Total Interest Payable

    ₹12,27,507*

Total Amount Payable

₹62,27,507*

Total Interest Payable

₹12,27,507*

Apply Now

Benefits of Loan Against Property

  • Quick and Easy Processing : Apply online with minimal paperwork for a fast and hassle free loan approval.
  • Multiple Collateral Options : Get a loan against residential, commercial, or industrial property, land, or plots.
  • Flexible Repayment Tenure : Repay over a period of up to 20 years with EMI options suited to your budget.
  • Competitive Interest Rates : Interest rates start at 9% p.a, making it easier to borrow a higher loan amount at a lower cost.
  • Hybrid Term Loan Facility : Get access to funds as and when required while paying interest only on the amount you use.
  • Pre-Qualified Top Up Loan : Existing loan against property customers can avail a top-up loan for additional financial needs without extensive documentation.

Features 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.

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Properties Covered Under a Loan Against Property

With Tata Capital, you get multiple options to avail of a loan on property. These include-

    • Loan against residential property

    • Loan against commercial property

    • Loan against industrial property

    • Loan against land/plots

    • To avail of a loan against property, the property must be self-owned by the borrower.

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

  • Income per annum - Rs 2,40,000

  • Occupational Stability - Minimum 3 Years

Documents Required for Loan Against Property

Applying for a Loan Against Property with Tata Capital is simple and requires minimal paperwork. The documents 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:
 

1. Recent Passport-Sized Photograph
 

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

3. PAN Card or Form 60 (if applicable)
 

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

5. Signature Verification Document
 

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

7. A Copy of your Salary slips for the last three months

Loan Against Property Interest Rates & Charges

Tata Capital provides loans against property up to Rs 10 crore* with competitive interest rates starting from just 9% per annum. Below is a comprehensive breakdown of the interest rates and fees, ensuring complete transparency on the loan terms.
 

Category Charges
Interest Rate %

Fixed ROI – 13%* to 17%

Floating ROI – 9%* to 17%
Default in payment of amounts due as per the Facility Documents 3% per month on overdue amount
Dishonour of any cheque/ payment instruments Rs. 600 for every Cheque/Payment Instrument Dishonour
Mandate Rejection Service Charge Tata Capital charges a nominal amount of Rs. 450 + GST
Processing Fees

Residential and Commercial properties (HE) - 1% to 3% of the finance amount + GST

Rest all other properties – 1.25% to 3% of the finance amount + GST

SaRaL/Mint Loan – 1.25% to 3% of the finance amount + GST
Annual Maintenance Charges (Dropline facility) Rs. 10,000
LOD Statement charges Rs. 1000 per request
Statement of Accounts You will be charged only if you ask for a hard copy in case of a branch walk-in at Rs. 250 + GST. Downloading a statement of account on the portal is free of cost.
Foreclosure Report Nill
Payment Instrument Swapping Charges If you want to swap your eMandate or post-dated cheques from another account for EMI repayment purposes, you will be charged Rs. 550 + GST per instance.
Duplicate Repayment Schedule For duplicate statements of the Repayment Schedule, charges are Rs. 550 + GST per instance
Duplicate NOC Rs. 550 along with the GST.

How to Apply for Loan Against Property?

Applying for a loan against property online is quick and easy. The first step is to check if you meet the following LAP eligibility criteria:


For Salaried Employees-

  • You must be employed in an MNC, Public Ltd. Co., Large Pvt. Ltd. Co., State Govt., Central Govt., or PSU.
  • Your age should be between 23 and 65 years or up to the age of retirement, whichever is earlier at loan maturity.
  • The Monthly Net Income must be at least 15,000
  • You should have a minimum of 3 years of occupational stability.
     

For Self-Employed Individuals-

  • You must be a doctor, architect, chartered accountant, trader, retailer, or wholesaler.
  • The minimum age is 23 years, and the maximum is 70 years or the retirement age, whichever is earlier at loan maturity.
  • Your annual income should be at least Rs. 2,50,000.
  • You should have a minimum of 3 years of occupational stability.


If you meet these criteria, follow these steps to apply for a 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.

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 loan for personal purpose and has chosen 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.

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What our customers say about us

Dr. Venkat M Alat

Loan Against Property

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

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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! 

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