Your Property is Your Best Business Partner

Loans starting from ₹2 Lakhs*
Quick Disbursal & Minimum Documentation
Maximum Loan Amount on your Property Value
Loan up to ₹10 Lakh* based on the latest Property Sale Deed/ Ownership Document

*T&C Apply

Muthoot FinCorp Loan Against Property

At Muthoot FinCorp, we've simplified Loan Against Property with quick, easy, and hassle-free process. Just fill out the form below to begin your application process.

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Plan Variant

General LAP

General LAP from Muthoot FinCorp is a Loan Against Property product designed to help you put best use of your property’s value for a wide range of financial needs, such as business expansion, asset purchase, working capital, or home renovation. You can avail loans from ₹3 lakh up to ₹50 lakh, with flexible tenures ranging from 36 to 180 months. The process is simple and quick, involving minimal paperwork and rapid approval. Salaried and self-employed individuals, aged 23–70 years, are eligible. The product features competitive interest rates (14%–20% per annum), easy pre-closure terms, and repayment via NACH or cheque.

Micro LAP

Micro LAP by Muthoot FinCorp is a tailored Loan Against Property offering up to ₹25 lakh, ideal for small businesses seeking to strengthen working capital, expand operations, or improve cash flow. Applicants benefit from minimal documentation, increased eligibility for small enterprises, and quick processing. Key features include a minimum tenure of 36 months (up to 180 months), attractive interest rates from 17% to 20% per annum, and eligibility for self-employed individuals and traders aged 23–70. Flexible repayment options and simplified procedures make Micro LAP a practical solution for business growth and daily operational needs, allowing enterprises to access essential funds with ease and confidence.

Secured Business Loan LAP (SBL)

Secured Business Loan LAP (SBL) from Muthoot FinCorp is designed to support small businesses, micro-enterprises, retailers, and traders. Get financial assistance from ₹3 lakh to ₹10 lakh with no income proof required, and just your latest property Sale Deed or Ownership Document. Use this loan for asset acquisition, business expansion, capital injection, property purchase, or renovations. Enjoy flexible repayment up to 84 months, attractive interest rates (20%–25% p.a.), and quick processing. Applicants aged 23–70 years, including proprietors, partnerships, and Pvt. Ltd. companies, are eligible. Secure your business’s growth with simple eligibility and minimal documentation.

Product Highlights

Loan Against Property

Loan-to-value Ratio

Maximum Loan Eligibility

Simple Documentation

Documents Required for Loan Against Property

Avail our Loan Against Property in Just 3 Steps

Documents Required To Apply

Submit Your Loan Application and Login Fee
Document Verification and Property Valuation
Loan Approval and Disbursement

	General LAP	Micro LAP	Secured Business Loan(SBL)
Minimum Loan Amount	Rs. 3 Lakh	Rs. 2 Lakh	Rs. 3 Lakh
Maximum Loan Amount	Rs. 50 Lakh	Rs. 25 Lakh	Rs. 10 Lakh
Processing Fee	Up to 3% + GST
Minimum Tenure	36 months	36 months	36 months
Maximum Tenure	180 months	180 months	84 months
Customer Profile	Salaried / Self Employed and Self-Employed Professionals.
Customer Profile	Not Applicable to NRI
Age of the Applicant	23 – 70 years at the time of Loan Origination
Constitution	Individual Self Employed / Trader
	Proprietorship
	Partnership
	Pvt & Ltd Company
Pre-closure Charge	First Year – 8% of Principal Prepaid + GST.
	From 2nd to 5th Year – 7.00% of Principal Pre-paid + GST.
	From 5th year onward – 5.00% of Principal Pre-paid + GST.
	Part payment is allowed up to maximum of 25% of the outstanding amount in a calendar year any time with the charges of 5% on part payment (amount) + GST, beyond 25% will attract the applicable prepayment charges
ROI	14% – 20% per annum	17% – 20% per annum	20% – 29% per annum
Repayment Mechanism	NACH / Cheque
Penal Charges	18% p.a. on Overdue/Defaulted Amount
*Case to case basis the bureau score / other policy norms / documentations can be reviewed with Approval from Authority
*Note :	The above given charges are applicable for loans availed loans under Fixed and Floating rates.
	As per RBI circular number RBI/DNBR/2016-17/45 Master Direction DNBR.PD.008/03.10.119/2016-17 dated Sept. 01, 2016, as amended up to date, The above charges are applicable if the use of the loan amount is availed for the business purposes, Where loan is taken on Floating Rate of Interest.
	All the above charges will be subject to compliance of the RBI guidelines on the subject matter

Property / Collateral Type	IRR Based on Gradation of Risk (Per Annum Basis)
Residential	From 14% to 24%
Commercial	From 14% to 24%
Industrial	From 15% to 29%
Open Plot	From 16% to 29%
*above mention interest range will vary customer to customer and final rate will be discretion of Muthoot FinCorp Ltd.

Loan Against Property Calculator

Loan Amount

₹200,000

₹50000000

Interest Rate(% P.A)

14%

30%

Tenure (Years)

Monthly EMI

₹ 0

Principal Amount

₹ 0

Interest Amount

₹ 0

Total Amount Payable

₹ 0

Avail Muthoot FinCorp Loan Against Property in Just 3 Steps

Loan Application Submission

Document Verification

Loan Approval

Why Choose Muthoot FinCorp for Loan Against Property?

Muthoot FinCorp Ltd (MFL) delivers tailored financial solutions for personal and professional requirements including education, personal emergencies, business expansion, inventory purchases, cash flow enhancement, working capital requirements, and other financial needs. Our diverse product offerings are meticulously crafted to address customer requirements, while our loan process is structured to ensure customers access the highest eligibility for their loans.

Frequently Asked Questions

Would You like Any Assistance?

To know more about the application fee and processing charges, call us at

1800 102 1616

FIRST-HAND ACCOUNT OF CUSTOMER EXPERIENCES

Blue Soch Stories

I am extremely satisfied with the prompt service I received from Muthoot FinCorp's Karapa branch. I secured a LAP loan of ₹7.5 lakhs, which was disbursed within just 7 days. This timely assistance ...

A Baby – Andhra Pradesh