Get a Loan Against Property of ₹25 Crore Online
A Loan Against Property (LAP) is a secured financing option that helps you meet a wide range of financial needs. By pledging your residential or commercial property as collateral, you can access substantial funds while retaining ownership and use of the mortgaged asset, provided timely repayments are made. With a Loan Against Property, you can avail higher loan amounts to support needs such as business growth, education, medical expenses, or other urgent financial obligations. Poonawalla Fincorp offers LAP facilities of up to ₹25 Crore, with competitive interest rates starting at 9.5% p.a., minimal documentation, and a simple, hassle-free application process. Apply now!
EMI Calculator for Loan Against Property
Calculate your monthly repayments in advance to ensure smooth cash flow and better financial planning. Based on the loan amount, interest rate, and tenure, the Loan Against Property EMI calculator also shows the total interest payable over the loan tenure.
Why Choose Poonawalla Fincorp
Apply for a Loan Against Property in Just 3 Steps
Click on “Apply Now”
Tap the Apply Now button to initiate your application.
Enter Details
Enter your contact, personal, occupation, and property ownership details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Applicants must meet certain eligibility criteria to qualify for this loan:
- Applicant Type
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Salaried Individuals -
working with LLP / Private limited companies / Public limited companies
Age at Application - Minimum 21 years
Age at Loan Maturity - Up to 60 years
Experience / Business Vintage - Minimum 3 years of total work experience, with at least 6 months with the current employer
Citizenship - Indian
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Self-Employed Individuals -
Proprietor / Partner / Director, Self-employed professionals like Chartered Accountants, Company Secretaries, and Doctors
Age at Application - Minimum 18 years
Age at Loan Maturity - Up to 75 years
Experience / Business Vintage - Minimum 3 years of business stability
Citizenship - Indian
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Firm / Company -
Partnership or Private Limited companies engaged in Manufacturing, Servicing, or Trading
Age at Application - Minimum 18 years
Age at Loan Maturity - Up to 75 years
Experience / Business Vintage - Minimum 3 years of business stability
Citizenship - Indian
Note: The eligibility criteria listed above are only a guide and may vary based on the borrower’s unique situation.
Click to know more about eligibility criteria in detail
Different documents are required based on the applicant's profile:
- Identity Documents:
- Salaried Individuals - PAN Card/Aadhaar Card/Driving License/Voter ID/Passport
- Self-Employed Individuals - PAN Card/Aadhaar Card/Driving License/Voter ID/Passport
- Firm / Company - GST Registration Certificate (if applicable) and Other Applicable Registrations, KYC of Partners / PAN Card/Aadhaar Card/Driving License/Voter ID/Passport
- Address Proof:
- Salaried Individuals - Electricity bill for owned premises, Rent agreement for rented premises, Passport
- Self-Employed Individuals - Electricity bill for owned premises, Rent agreement for rented premises, Passport
- Firm / Company - Electricity bill for owned premises, Rent agreement for rented premises, Udyam Certificate/GST Registration Certificate
- Income Documents:
- Salaried Individuals - 3-month salary slips
- Self-Employed Individuals Income Tax Returns, along with the computation for the last 2 years, Profit/Loss statement and balance sheet for the last 2 years, GST Returns.
- Firm / Company Income Tax Returns, along with the computation for the last 2 years, Profit/Loss statement and balance sheet for the last 2 years, GST Returns
- Bank Account Statement:
- Salaried Individuals - Salary credit bank account statement for the last 6 months
- Self-Employed Individuals - Operative bank account statement for the last 12 months
- Firm / Company - Operative bank account statement for the last 12 months
- Property Documents - Relevant documents of the property given as collateral
Click to know more about documentation in detail
Fulfil your immediate fund requirements with competitive interest rate from Poonawalla Fincorp:
Upto 5% on principle partly paid amount plus applicable taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
Here are some key factors that affect your eligibility for a Loan Against Property:
Property Value and Type
The lender checks the value, type, and condition of the residential or commercial property you offer as security. The property's market value is a key factor in determining the eligible loan amount.
Market Value Fluctuations
Market value fluctuations can impact your ability to secure top-up loans or refinance in the future.
Credit Score
A good credit score shows your ability to repay the loan and helps you get better loan terms.
Income and Repayment Capacity
Stable income and regular cash flow demonstrate your ability to repay the loan on time.
Purpose of Loan
The lender verifies that the loan is used for approved purposes, such as business, education, or personal expenses.
Get started with a Loan Against Property from Poonawalla Fincorp and enjoy attractive interest rates with a high loan amount!
Get Funds Quickly With
Minimal
Documentation
Happy customers, happy us
I am incredibly grateful for the outstanding support I received throughout my loan process. The guidance provided made every step feel manageable and stress-free. What stood out most was the humility and genuine willingness to help at every stage, qualities that made a significant difference in my experience.Without this support, the journey would have been far more challenging. I truly appreciate the dedication and helpful nature that was consistently demonstrated. The efforts put forth were invaluable, and I feel fortunate to have worked with someone so committed and supportive.
Throughout my loan journey, the Poonawalla Fincorp team showcased exceptional dedication, in-depth product knowledge, and a truly customer-centric approach. At every stage, they guided me with patience and clarity, making the entire process seamless, transparent, and timely.Their proactive communication and unwavering willingness to go the extra mile are a testament to the organization’s high standards of service excellence. Such professionalism not only fosters strong customer trust but also reinforces Poonawalla Fincorp’s reputation as a leading, customer-focused financial institution.I extend my heartfelt thanks to the entire team for their commendable efforts and wish them continued success in all their endeavors.
It was really great working with Poonawalla Fincorp. Thanks to the support and coordination by the team. I was able to get a significant portion of my requirements despite having a bit of a mess in my financial records. The loan processing and disbursement process at Poonawalla Fincorp was super smooth. They were incredibly cooperative and helpful. I’m looking forward to building a healthy relationship with them in the future. Thank you.
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Information at
Poonawalla Fincorp’s
FinHub
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28 Jan 2026 | 2 Minutes
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24 Jan 2026 | 4 Minutes
Frequently Asked Questions
A Loan Against Property is a secured loan in which the borrower pledges their property as collateral.
With Poonawalla Fincorp, you can secure up to ₹25 Crore, depending on your property valuation and your eligibility.
If you have an existing Loan Against Property, you may apply for a top-up loan, subject to eligibility.
Applicants must provide proof of identity, proof of address, proof of income, proof of bank statements, and proof of ownership of the property.
Self-Employed professionals can apply by providing the required documentation to prove their business and income.
The repayment tenure for a Loan Against Property can range from 3 years to 15 years.
Yes, the streamlined digital process of applying for a Loan Against Property makes it quick and hassle-free.
Maintaining a good credit score, stable income and keeping documentation for the property in good order will improve the borrower's eligibility.
Yes, a Loan Against Property can be availed on a jointly owned residential or commercial property, provided all co-owners agree and submit the required property documents.
Interest on a Loan Against Property is calculated on the principal outstanding amount and varies based on whether you choose a fixed rate or a floating interest rate loan.