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Loan Services

Loan Against Property

Unlock the value of your residential or commercial property for large financial needs.

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Key Features

Why Choose Our Loan Against Property?

Loan up to 70% of property value

Tenure up to 15 years

Lower interest than personal/business loans

Use funds for any purpose

Eligibility Criteria

Who Can Apply?

Age 25–65 years

Clear & marketable property title

Stable income (salaried or self-employed)

CIBIL score of 700 or above

Documents Required

What You'll Need

Property documents & title deed
KYC documents
Income proof (salary slips/ITR)
Bank statements (last 12 months)
Property tax receipts
Pricing

Interest Rates & Charges

Indicative rates β€” your final rate depends on profile, lender and loan amount.

ParameterDetails
Interest Rate9.5% – 13% p.a.
Loan Amountβ‚Ή5 Lakh – β‚Ή5 Crore
TenureUp to 15 years
Processing FeeUp to 1%
Benefits

What You Gain With TOPS CAPITAL

Lower EMI due to longer tenure

Higher loan eligibility than unsecured loans

Retain ownership & use of the property

Top-up facility available

How It Works

Loan Against Property Process

A simple, guided journey from your first inquiry to money in your account.

Submit Inquiry

Share your requirement with us in under 2 minutes.

Free Consultation

Our expert understands your profile and goals.

Document Collection

Doorstep pickup of all required paperwork.

Bank Processing

We coordinate directly with the lender for you.

Loan Approval

Sanction letter issued after successful review.

Amount Disbursed

Funds credited directly to your account.

FAQs

Loan Against Property β€” Frequently Asked Questions

Yes, there's no end-use restriction β€” use it for business expansion, education, medical needs or debt consolidation.

Self-occupied or rented residential property, and in many cases commercial property, with clear title and no legal disputes.

No, you retain full ownership and use of the property β€” the lender only holds it as security until the loan is repaid.

Typically up to 70% of the current market value of the property, subject to your income-based repayment capacity.

Talk to a Loan Against Property Expert

Get a callback within a few hours and a free consultation on your best rate options.

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Ready to get started?

Talk to our loan experts today β€” free consultation, no obligation.