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Loan Against Property

If you are looking for funds up to ₹7 crores, then you can rely on IDFC FIRST Bank Loan Against Property. We provide the highest loan value of your property - up to 80%. With extended loan tenure up to 20 years, you end up paying lower EMIs. We offer funding for all types of properties such as residential, commercial, industrial plots, godowns, etc. If you have already availed a Loan Against Property with another financier, you can transfer it with ease & enjoy amazing benefits like the top-up facility. Read More

Make the right decision for your funds requirement 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

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    Manisha Chowdhury

    "I would definitely like to make a special mention of my experience of Loan Against Property (LAP) that I have availed recently for my business. I was really struggling to communicate with some other banks which are faceless and operating only through call centers. I approached IDFC FIRST Bank with two major requirements - Lower Rate Of Interest and a longer Loan Tenure than what is being offered by terms of my ongoing LAP.To my amazement, both the requirements were perfectly addressed and to the extent I needed."

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    Arun Popli

    "The time taken for sanctioning our LAP, from the date papers were submitted was less than other banks normally take. There was constant follow-up done with our accounts department. It seems like banking is changing with the time, and IDFC FIRST Bank is the first to come forward. Special thanks to branch executives for coordinating and going an extra mile for making things happen in shortest time possible."


Who can apply?


  • Salaried
  • Professionals
  • NRI’s


For Salaried

  • Photo Identity Proof, Address Proof: As per RBI defined KYC guidelines
  • Income Proof: Latest 2 years’ ITR/Form 16, Last 6 months’ bank statement reflecting salary credit, latest 3 months’ salary slips
  • Details of Running Loans: Sanction letter, amort schedule/account statement
  • Property Document: Complete chain of property title deeds, approved layout/plan

For Self-Employed

  • 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/account statement
  • Property Document: Complete chain of property title deeds, approved layout/plan

Any one of the additional documents set 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
  • 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’
  • 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

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Find out about our minimal and transparent fees & charges

View Fees & Charges

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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 for home 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 Rs.10 lakhs up to a maximum of Rs.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 where loan closure charges will be borne by us

·         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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