Your Property is Your Best Business Partner

Loans starting from ₹3 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.

Are you interested?

Verify OTP

Your code was sent to you via mobile number

Plan Variant

General LAP

Customers can avail Loan Against Property (LAP) of up to ₹50 lakhs to finance a range of needs, including business expansion, asset purchases, working capital, debt consolidation, and home renovations. The process is quick and simple, with minimal paperwork and fast approval. To qualify, customers need to provide the necessary financial documentation to support their eligibility. Unlock the value of your property with Muthoot FinCorp and achieve your financial goals with ease and security.

Micro LAP

Customers can avail a Loan Against Property (LAP) of up to ₹25 lakhs to strengthen working capital, expand their businesses, and improve cash flow. This loan is also ideal for small enterprises, offering increased eligibility with minimal financial documentation, and helping cover day-to-day operational expenses. Muthoot FinCorp makes it easy for businesses to access the funds they need to grow and thrive.

Secured Business Loan LAP (SBL)

Our Secured Business Loan (SBL) offers financial assistance of up to ₹10 lakhs to support small businesses, micro-enterprises, retailers, and traders. With no income proof required, the loan is secured against the latest property Sale Deed or Ownership Document. It helps fund long-term business needs like asset acquisition, capital injection, property purchase, and renovations, with loan amounts ranging from ₹3 lakhs to ₹10 lakhs.

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 Lakhs	Rs. 2 Lakhs	Rs. 3 Lakhs
Maximum Loan Amount	Rs. 50 Lakhs	Rs. 25 Lakhs	Rs. 10 Lakhs
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	1.5% per month on overdue/defaulted amount with applicable GST
*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

Message on Whatsapp

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

Stay Connected to Muthoot FinCorp Loan Against Property

Today Gold Rate in Ernakulam: Complete Guide

Ernakulam, the central part of Kochi in Kerala, was the ancient capital of the kingdom of Cochin. Ernakulam is a very old city and has been inhabited since the Stone Age. The city played a significant role in maintaining trade relations between Kerala and the rest of the world in the ancient and mediaeval periods.