Business capital
Fund expansion, a new location or a large stock purchase against property you own.
Immovable property loans
Mortgage / Property Loan
Unlock the value locked in property you already own — without selling it.
Overview
A loan against property turns an asset you cannot spend into funds you can. Because the loan is secured by immovable property, it typically carries a lower rate and a longer tenure than an unsecured loan of the same size — which makes it the sensible choice for a large, planned requirement.
We lend against residential houses, flats, commercial shops and other immovable property with clear title. The funds can be used for a business requirement, a family obligation such as education or marriage, consolidating costlier borrowings, or any other lawful purpose you disclose at application.
The appraisal looks at two things: the value and title of the property, and your ability to service the instalment from regular income. Both matter. We will not sanction against a property if the repayment does not fit your cash flow, because losing the asset helps nobody.
Residential or commercial property
House, flat, shop or other immovable property with clear, marketable title.
Larger ticket size
Security allows a materially higher sanction than an unsecured personal loan of the same tenure.
Longer repayment period
Extended tenure keeps the monthly outgo manageable against a large borrowing.
End use of your choosing
Business, education, marriage, medical or consolidation — disclosed at application and lawful.
Common uses
What members use this loan for
Family obligations
Education abroad, a wedding, or a medical event that needs more than a personal loan.
Consolidation
Replace several small, costlier borrowings with one secured loan and one due date.
Before you apply
Eligibility & documents
Final eligibility is always confirmed after appraisal, as per prevailing Government norms.
Who can apply
- Indian resident, generally 21 years or above at application
- Sole or joint ownership of the property being mortgaged
- Clear, marketable and unencumbered title
- Demonstrable regular income to service the instalment
- Property within our operating area in Tamil Nadu
Documents to keep ready
- Aadhaar and PAN of all owners
- Recent passport size photographs
- Title deed, parent documents and chain of title
- Latest property tax receipt and encumbrance certificate
- Approved plan, where applicable
- Bank statement for the last 6 to 12 months
- Income proof — salary slips, ITR or audited business accounts
- Details of any existing loan on the property
Plan your instalment
Estimate your EMI
The sliders start at a typical figure for this product. Move them to match your own plan.
₹10,000₹1 Cr
6%26%
6 months20 years
Monthly EMI
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Principal₹0
Total interest₹0
Total payable₹0
Instalments0 months
Indicative only. Rates shown are illustrative and are not an offer. Your actual rate, fees and eligibility are confirmed at sanction as per Government norms.
Apply with these figures
Questions
Mortgage / Property Loan — frequently asked
Will I have to hand over my original documents?
The original title documents are held in safe custody for the duration of the loan and returned to you on closure, against acknowledgement. This is standard for any mortgage.
Can I let out or continue using the property?
Yes. You continue to own and occupy or use the property. The mortgage is a charge in our favour, not a transfer of possession.
How much can I borrow against my property?
The sanction depends on the assessed value of the property and, just as importantly, on your repayment capacity. Both are confirmed during appraisal.
Is a co-owner's signature necessary?
Yes. Every owner recorded on the title must join the application, since the property cannot be mortgaged without all of them.
Ready to apply for your mortgage / property loan?
Send us your details and a member of our team will call you back to confirm eligibility and the exact documents you need.