Loan Against Property
Why sell your property when it can raise money for you? Pledge it instead and unlock funds at competitive rates through a quick online application.
Last Updated: 30-06-2026Unlock Best Loan Against Property Offers From Janmudra
Quick, digital & hassle-free
Purpose: Your data is collected exclusively to check your loan eligibility and securely connect you with your chosen lending partner. We process this information strictly in accordance with RBI guidelines to facilitate your application. We do not sell your data, and it is used exclusively to facilitate your loan application.
10K+
CustomersActive users
70+
BanksPartner banks
170
BranchesNationwide
What is a Loan Against Property?
A Loan Against Property (LAP) is a secured loan that turns the value locked inside your residential or commercial property into usable funds — the property stays yours, it simply acts as collateral. The money can go towards business expansion, education or any personal requirement.
Through Janmudra you can tap the best banks at rates starting from 8.5% R.O.I, so your property works for you while your plans move ahead without delay.
Features & Benefits of Loan Against Property
Lower Interest Rates
Because the loan is backed by property, it costs far less than unsecured credit — funding a wedding through a LAP instead of a personal loan can mean real savings.
Large Loan Amount
The sanction scales with your property's value, so big goals — a child's overseas education, a new factory or clearing multiple debts — stay within reach.
Use for Multiple Purposes
One loan, no restrictions: fund a major surgery, back a new venture or renovate your home — personal, business, medical and education needs are all fair game.
Tax Benefits
When the funds go into business or another property, certain Income Tax sections may let you claim deductions on the loan.
Easy Online Application
Finish the whole application from your living room in minutes — minimal paperwork and zero repeat trips to a branch.
— Eligibility —
Loan Against Property Eligibility Criteria
Meeting these simple requirements is all it takes:
Age
The borrower should be between 23 years and 65 years of age
Employment
Salaried individuals as well as self-employed applicants qualify
Credit Score
A minimum credit score of 750 or above is required
Salary
Based on the city, monthly salary of at least ₹22,000 for NBFCs and ₹30,000 for banks
Documents Required for Loan Against Property
— Documents —
Keep these basics ready for a fast online approval:
How to Apply for a Loan Against Property?
Apply online in just a few simple steps
Step 1
Head to the official Janmudra website and hit apply for a loan against property.
Step 2
Enter your basic details to move ahead.
Step 3
Verify your mobile number with the OTP you receive.
Step 4
Once verified, our executive rings you up and walks you through the process.
Step 5
That's it — your loan against property is disbursed instantly.
Compare Loan Against Property Offers from Our Top Lenders
Rates, tenures and charges vary between lenders and states — compare through Janmudra without touching your credit score.
| Banks/NBFCs | Rate of Interest |
|---|---|
| HDFC Bank | 8% p.a. to 8.95% p.a. |
| Axis Bank | 7.90% p.a. to 9.30% p.a. |
| IDFC Bank | 7.5% p.a. onwards |
| Tata capital | 10.10% p.a. onwards |
Loan Against Property EMI Calculator
Loan Details
Results
Success Storiesfrom Our Happy Customers
Discover how Janmudra has helped thousands of individuals across India achieve their dreams with seamless loan against property solutions.
Monika
Verified Customer
Mumbai
"I took Janmudra Business loan and my decision was perfectly alright for my business."
Amount
₹5,00,000
Purpose
Business Loan
Rishabh Verma
Verified Customer
Bangalore
"Took Medical Loan from Janmudra when my CIBIL was low, and got my loan approved within a day."
Amount
₹7,50,000
Purpose
Medical Loan
Priyanka
Verified Customer
Delhi
"They are providing quick financial aid services and even have a portal to track the loan process."
Amount
₹12,50,000
Purpose
Wedding Loan
Akash
Verified Customer
Bangalore
"Just got my personal loan worth Rs. 5 lakh disbursed within a day."
Amount
₹5,00,000
Purpose
Personal Loan
Pooja
Verified Customer
Bangalore
"Taking Business Loan has become easier with Janmudra thanks to their transparent services."
Amount
₹5,00,000
Purpose
Business Loan
Serving Loan Against Property Across India
On the ground in every major city, with instant loan against property support built around your growth.
New Delhi
Maharashtra
West Bengal
Tamil Nadu
Karnataka
Telangana
Odisha
RajasthanBihar
Uttar Pradesh
Punjab
Madhya PradeshJoin 50,000+ happy customers served across India
Frequently Asked Questions
Everything you need to know about Loan Against Propertys from Janmudra.