Loan Against Property
up to ₹25 Crore.
Rates starting from 8.75% p.a. Flexible 20-year tenures.
Unlock the maximum financial value of your residential, commercial, or industrial assets with structured mortgage lines and balance transfer options.
Check LAP Eligibility
Personalised offers in two minutes. No credit score impact.
₹0+ Cr
Loans Sanctioned
0+
Properties Funded
0+
Banking Partners
0+
Years Experience
50+ Partner Banks & Housing Finance Institutions
Unlock maximum equity against residential, commercial, or industrial property at the lowest interest rates.
Compare 50+ LAP offers.
Updated rates from leading private, public banks, and HFCs.
HDFC Bank
RBI-regulated · Direct lender
Interest
9.50% p.a.
Processing fee
1%
Amount
₹25 L – ₹25 Cr
Tenure
60–240 months
ICICI Bank
RBI-regulated · Direct lender
Interest
9.75% p.a.
Processing fee
1%
Amount
₹25 L – ₹20 Cr
Tenure
60–240 months
Axis Bank
RBI-regulated · Direct lender
Interest
9.90% p.a.
Processing fee
1.5%
Amount
₹25 L – ₹15 Cr
Tenure
60–180 months
Why Property Owners Choose Us
Get maximum valuation for your property with streamlined title verification and competitive interest rates.
Compare 50+ Banking Partners
Compare LTV ratios, interest rates, and processing fees across leading PSU, private banks, HFCs, and NBFCs.
Dedicated LAP Advisors
Work with an experienced relationship manager who coordinates legal title search, technical valuation, and approval fast-tracking.
Maximum Loan-to-Value (LTV)
Unlock maximum liquidity up to 70% of market value for residential, commercial, or industrial properties.
Extended 20-Year Tenure
Spread your capital outlay over flexible tenures up to 20 years to minimize monthly EMI burdens on business cash flows.
Attractive Low Rates
Secured lending rates starting from 8.75% p.a. with options for floating and fixed interest rate structures.
Seamless LAP Top-Up
Existing LAP holders can transfer their loan to a lower interest rate lender while unlocking additional top-up capital.
How It Works
A transparent, connected timeline guiding your property file from evaluation to disbursal.
Share Property Details
Submit basic property and income details via our 2-minute secure form.
Technical Valuation
Our relationship manager coordinates property valuation and title search.
Lender Shortlisting
Select matching offers from 50+ banking partners based on maximum LTV.
Documentation & Disbursal
Complete mortgage documentation and receive direct account credit.
Nidhivriddhi's LAP experts guide you from title search to money in your bank
Talk to a real expert on WhatsApp or by phone. No sales pressure, just straight answers on your loan against property queries.
Loan Against Property Use Cases
Leverage your immovable assets to fund business expansions, debt consolidation, or capital projects.
Business Expansion & Growth
Infusing high-ticket long-term capital for new factory units, machinery, or international expansion.
Commercial Property Purchase
Acquiring prime office spaces, retail showrooms, or industrial warehouses using existing real estate.
Debt & High-Cost Restructuring
Consolidating multiple short-term high-interest unsecured loans into one structured low-EMI mortgage.
Property Balance Transfer & Top-Up
Switching existing LAP to lower interest rates and accessing extra liquidity for business operations.
Working Capital Reserve
Creating a revolving overdraft or term loan line backed by residential/commercial property.
Major Capital Outlays
Funding foreign higher education, wedding expenses, or specialized medical requirements.
Eligibility Criteria
Key requirements for property owners, businesses, and salaried applicants.
Note: Properties with multiple co-owners can also be mortgaged, provided all co-owners join as co-applicants in the loan application.
Documentation Checklist
Standardized property & financial checklist for fast limit sanction.
Applicant KYC
Applicant & Co-applicant PAN Card & Aadhaar Card
Income Verification
3 Months Salary Slips or 2 Years Personal ITR
Banking Statements
6 Months Primary Bank Account Statement
Property Title Dossier
Registered Title Deed, Chain Documents, Approved Plan & Tax Receipts
LAP EMI Calculator
Estimate your monthly installments, total interest outlays, and property loan repayment structure instantly.
Property Disbursal Success Stories
Real stories of business owners leveraging real estate value with Nidhivriddhi assistance.
"Got 65% LTV on my commercial building at 8.9% interest. Transformed my working capital structure completely!"
Harish Singhania
Commercial Complex, Mumbai
₹8.5 Crores Sanctioned"Transferred existing high-cost LAP to Nidhivriddhi's partner bank and got ₹1.5 Cr extra top-up for new machinery."
Sunil Agarwal
Industrial Plot, Surat
₹5.0 Crores Sanctioned"Fast-tracked legal title search and technical valuation. Disbursed within 8 days with zero hassles."
Kavita Reddy
Independent Villa, Hyderabad
₹2.2 Crores Sanctioned"Funded my son's medical college expenses abroad by leveraging my flat. Smooth, transparent, and professional."
Ramesh Patel
Residential Flat, Vadodara
₹1.5 Crores Sanctioned"Excellent relationship manager guidance. Helped us get an overdraft facility linked to our commercial property."
Deepak Bansal
Commercial Showroom, Jaipur
₹4.0 Crores Sanctioned"Got 65% LTV on my commercial building at 8.9% interest. Transformed my working capital structure completely!"
Harish Singhania
Commercial Complex, Mumbai
₹8.5 Crores Sanctioned"Transferred existing high-cost LAP to Nidhivriddhi's partner bank and got ₹1.5 Cr extra top-up for new machinery."
Sunil Agarwal
Industrial Plot, Surat
₹5.0 Crores SanctionedFrequently Asked Questions
Everything you need to know about Loan Against Property (LAP).
Let's Unlock the Right Loan Against Property for You
Speak with our loan specialists and compare LAP financing options from multiple banks and NBFCs based on your property valuation.