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What is an Mortgage Loan?
A Mortgage Loan is a secured loan where you pledge your residential, commercial, or industrial property as collateral to borrow funds. It’s ideal for individuals or businesses who need a large amount of money for purposes like business expansion, education, medical expenses, or debt consolidation.
Key Features
- Loan Amount: ₹2 Lakhs to ₹25 lakhs (varies by property value and income)
- Eligible Properties: Residential flats, Open plots, homes, commercial spaces, industrial units
- Loan Tenure: Up to 15 years
- Interest Rate: Starting from 16 % p.a. (Fixed or floating)
- Loan-to-Value (LTV): Up to 60% – 70% of the property's market value
- Repayment: Easy EMIs through auto-debit from account
- Pre-closure allowed with 0 % penalty
Rate of Interest & Charges
- 16% per annum interest rate
- 3% processing fee on the sanctioned amount
- No hidden charges — transparent process
Eligibility Criteria
- Salaried individuals (public/private sector)
- Self-employed professionals (doctors, CA, consultants)
- Business owners
- NRIs with property in India
- Age: 21 to 65 years
Documentation Required
For Individuals:
- KYC (Aadhaar, PAN, Passport) & Photographs
- Salary slips (last 3–6 months) / ITRs (for self-employed)
- Bank statements
- Property ownership documents
- Latest property tax receipt
For Businesses
- Business registration/license
- Audited financials
- GST returns
Key Benefits
- Large loan amounts with longer repayment terms
- Lower interest rates compared to personal loans
- Continue to use the property while it's mortgaged
- Use funds for any purpose: business, education, marriage, etc.
- Top-up and balance transfer options available
Why Choose Our Mortgage Loan?
Convenient Service
Enjoy doorstep document pickup and personal assistance from a dedicated relationship manager.
High Eligibility & Flexibility
Get access to higher loan amounts with repayment terms tailored to your financial comfort.
Flexible Repayment
Repay early with minimal or zero charges — no penalties for managing your finances better.
Transparent Process
We ensure clear term, honest , no hidden charges , transparency throughout journey.
Need funds? Unlock your property’s value with a Mortgage Loan
Apply today and unlock the hidden value of your property!
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