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Loan Against Property

Unlock the Hidden Value of Your Property

Leverage residential, commercial, or industrial property for high-value, low-interest funding. One of the most cost-effective solutions for long-term expansion, education, or debt consolidation — while your property stays with you.

  • Interest 9%–14% p.a.
  • Tenure up to 20 years
  • LTV up to 70% of property value
  • No end-use restriction

Interest from 9.5% p.a.

Loan Against Property

EMI calculator

Plan your repayment

EMI Calculator

Live calculation

Quick presets

50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year

Monthly EMI

₹ 10,501

for Personal Loan · 5 years @ 9.50%

Principal 79% Interest 21%
Principal₹ 5.00 L
Total interest₹ 1.30 L
Total payable₹ 6.30 L

*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.

Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.

Eligibility criteria

  • Clear, marketable title
  • Self-occupied or rented property
  • Age 25–65
  • Income proof to support EMI

Documents required

  • 30-year title chain
  • Sale deed / mother deed
  • Latest property tax & EC
  • 3 years ITR / salary slips
  • KYC of all owners

Fees & charges

Processing fee 0.5–1.5%. Legal & valuation actuals. Stamp duty on equitable mortgage as per state.

Why route through Velixa

  • Lowest rates from 40+ banks & NBFCs
  • Single-window documentation
  • Dedicated relationship manager
  • Transparent fee disclosure
  • Pre-approval eligibility checks
  • Post-disbursal servicing support

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Available across India

Loan Against Property in your city

MumbaiDelhiBengaluruHyderabadChennaiKolkataPuneAhmedabadJaipurLucknowChandigarhIndoreBhopalNagpurSuratVadodaraCoimbatoreKochiVisakhapatnamPatnaLudhianaAgraNashikThane

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Other loan products

Personal Loan

Unsecured funds for personal needs — rates starting from 9.9%* p.a. onwards, disbursed in 24–72 hours.

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Business Loan

Collateral-free MSME funding up to ₹1 Cr* — rates ranging from 8.00%* to 30.00%* p.a.

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Home Loan

Buy, build or renovate your home — rates starting from 8.35%* p.a. onwards.

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Overdraft (OD) Facility

Dynamic credit line — pay interest only on utilization.

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