Residential
Home Loan
Buy or build your own home
Finance the purchase or construction of your dream home with long tenures
and comfortable EMIs, tailored to your income and repayment capacity.
- New / resale flat or bungalow purchase
- House construction on owned plot
- Home renovation & extension funding
Ideal for salaried, business owners, professionals & NRIs.
Funding Against Property
Loan Against Property (LAP)
Unlock funds without selling your property
Raise high-value funds by mortgaging residential or commercial property.
Use the money for business or personal needs with lower interest compared
to unsecured loans.
- Business expansion & working capital
- Education, medical or marriage expenses
- Debt consolidation & big-ticket needs
Ideal for property owners needing larger ticket sizes.
Business Property
Commercial Property Purchase Loan
Own your office, shop or showroom
Structured loans to help you purchase offices, shops, showrooms or
other commercial units so your EMI builds an asset instead of paying rent.
- Office, shop, showroom & clinic purchase
- Investment commercial units
- Loans aligned with business cash flow
Ideal for business owners and self–employed professionals.
Business Funding
Commercial Loan Against Property (Commercial LAP)
High–value funding for your business
Use your existing commercial property as collateral to raise large
funds for business growth, at lower interest and longer tenures.
- Working capital & stock purchase
- Branch expansion & renovation
- Repayment of costly loans & OD limits
Ideal for established businesses with commercial assets.
Industrial Purchase
Industrial Property Purchase Loan
For factories, warehouses & units
Specialised funding for industrial land, factory buildings and
warehouses with assessment aligned to your project and industry.
- Industrial plot & factory purchase
- Warehouses & storage facilities
- Manufacturing & production setup
Ideal for manufacturers, traders & logistics businesses.
Hospitality
Hotel Funding
For hotels, lodges & resorts
Tailored loans for purchase, construction or renovation of
hotels, lodges and resorts with a focus on future cash flows.
- New hotel / lodge / resort projects
- Refurbishment & upgrade of existing properties
- Expansion of hospitality portfolios
Ideal for hotel owners, investors & hospitality entrepreneurs.
Industrial LAP
Industrial Loan Against Property
Factory / industrial property as security
Raise large–ticket funding by mortgaging your factory, shed, industrial
land or warehouse. Ideal for scaling up manufacturing and operations.
- Factory & plant expansion projects
- Machinery purchase & capacity upgrade
- Working capital for industrial units
Ideal for factory owners, industrial SMEs & logistics players.
Property–backed
Plot Against Funding
Funding against open plots
Raise finance by mortgaging residential, commercial or industrial
plots while continuing to own the land.
- Residential & commercial plots
- Industrial / NA approved land
- Used for business or personal requirements
Ideal for landowners needing larger lump–sum funding.
Optimise Existing Loan
Balance Transfer & Top-Up on Existing Loans
Reduce EMI & get extra funds
Shift your existing home, LAP or commercial loan to a lender
offering a lower rate and take a top-up on the same property
for additional funding.
- Lower interest & reduced EMI
- Extra top-up without new collateral
- Move from high-cost to low-cost lender
Ideal for borrowers already paying high EMIs.
Rent–backed Funding
Lease Rental Discounting (LRD)
Loan based on rental income
Use the future rent of your leased property as a secure
repayment source and get a structured long-term loan.
- For properties leased to stable tenants
- EMIs serviced through rent inflows
- Higher eligibility on strong rentals
Ideal for investors & commercial property owners.