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Loan Against Property

Grow your business exponentially with IDFC FIRST Bank Loan Against Property and enjoy amazing benefits like a top-up facility, extended loan tenure of up to 240 months, and much more. With us, you can get a loan against property for all kind of residential, commercial, industrial plots, and godowns,.
In case you have a loan with another financier. we have also made it easier for you to transfer the loan with the help of simplified processes and minimal documentation.Read More

Make the right decision for your business with IDFC FIRST Bank Loan Against Property.Read Less

Key Features


Loan Against Property EMI Calculator


1L 50L


1 Year 30 Year

Interest Rate

8 % 15 %

You will pay an EMI of only monthly


Who can apply?

MSMEs/ Non-Individual entities such as:

  • Companies (Pvt. Ltd.)
  • Partnership firms
  • LLPs
  • Sole proprietorships, etc


  • Photo identity and Address proof : As per RBI defined KYC guidelines.
  • Business Proof : Shop Act License/MOA & AOA/GST registration/ITR, Partnership Deed.
  • Details of running loans if any : Sanction letter, Amort Schedule/ Statement of Account
  • Property Document: Complete chain of property title deeds, Approved layout/plan

Any one of the additional documents basis selected program

  • Basis banking - Latest year ITR along with latest year’s financials, Latest 6 months Bank statements for loans up to 2 Crs, otherwise 12 months
  • Or Basis GST - Last 1 yr ITR, 1 yr financials/ CA net worth statement, Latest 3 months’ bank statements, GST returns for the last 12 months’
  • Or Basis Income - Latest year ITR along with latest year’s financials, Latest 6 months Bank statements for loans up to 2 Crs, otherwise 12 months



Find out about our minimal and transparent fees & charges

View Fees & Charges

fees and charges


What is a Loan Against Property?

It is a Mortgage Loan offered to individuals/firms/companies against their existing property. Typically, the purpose of the loan is business expansion, debt consolidation, etc., A Loan Against Property helps you unlock the hidden equity in your property holdings. You can borrow money using your property as collateral and repay it in EMIs over time. This allows you to hold on to your property and, at the same time, raise funds for your business.

What is the minimum and maximum property loan tenure?

Being one of the best banks in property loans, we offer our customers a loan tenure from a minimum of 12 months up to a maximum of 240 months.

What is the minimum and maximum mortgage loan amount I can apply for?

Our Property Loan allows customers to apply for a minimum of ₹10 lakhs up to a maximum of ₹7 crores for their business, depending on the program they’ve selected.

What kind of properties are eligible as collateral for this mortgage loan?

Properties eligible as collateral for our Loan Against Property are as follows:

·         Residential

·         Commercial

·         Industrial plots

·         Godowns

What are the features of this property loan?

Apart from the many benefits of this loan, here’s a list of some of the features we offer:

·         Superior customer experience with easy documentation and processes    

·         Unique loan transfer and top-up facility

·         Higher Mortgage Loan facility basis audited financials

·         Quick loan based on business bank statements or your GST returns

·         Loan Against Property for salaried individuals

·         Rental income-based eligibility with a facility of lease rental discount program

·         Avail Mortgage Loan to buy a commercial property

·         Funding solutions for educational institutes, hospitals, and restaurants

What are the different products/schemes offered under this mortgage loan and what would be the documentation required?

Customers who wish to avail IDFC First Bank’s online Loan Against Property can apply basis the following:

·         Income documents

·         Average bank balance

·         GST returns

·         Rental income

·         Balance transfer with top-up facility

What is the provision for any unforeseen events post availing the Loan against property from IDFC First Bank?

We cannot predict future and hence we try to protect it by providing you insurance cover as below-

·        Property insurance 

·        Group term insurance

·        Life Group Credit Protect

·        Health Protect plans

·        Accident protect plan

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