Tata Capital Loan Against Property
A Loan Against Property, often called LAP, is a secured borrowing option in which a borrower pledges an owned property as collateral in exchange for funds, while continuing to retain ownership and use of that property unless the loan is not repaid as agreed. Borrowers commonly turn to LAP when they need to raise money against the value locked in real estate for purposes such as business expansion, funding education, meeting medical costs, or consolidating existing debt, since the loan generally carries no restriction on how the sanctioned amount is used.
Tata Capital, a non-banking financial company founded in 2007 and headquartered in Mumbai, positions its version of this product around wide property acceptance, taking residential, commercial, and industrial properties as well as demarcated plots as collateral, provided the title is clear and the property passes the lender's valuation checks.
The page emphasises a largely digital application journey supported by e-KYC, documentation centred on identity, income, and property papers, and flexible repayment tenures structured around instalments. Eligibility extends to salaried and self-employed applicants who meet the stated age, income, and employment conditions, and the final loan terms depend on the borrower's credit profile and the assessed property. Applicants should note that any sanction and disbursal remain subject to document verification and property assessment.
Documents required
- Identity and address proof: Aadhaar card, PAN card, Voter ID or passport, utility bill for address verification
- Salaried income proof: latest salary slips, Form 16, and income tax returns
- Self-employed income proof: income tax returns, audited financials, and GST returns
- Bank statements of the primary account
- Property documents: sale deed or title deed, chain of title documents, encumbrance certificate, property tax receipts, building plan approvals, occupation certificate for residential property, and society or association NOC where applicable
As published by Tata Capital. Your branch may ask for more.
Eligibility
Loan terms
- Accepts residential, commercial, and industrial properties, as well as demarcated plots, as collateral
- No restriction on end use of the sanctioned funds, covering both personal and business purposes
- Largely digital application process supported by e-KYC
- Related product options including a Hybrid Term Loan, Top Up Loan, Balance Transfer, and Secured Business Loan
Fees & charges
FAQ
LAP is secured against property, so the rate is lower and the tenure longer than an unsecured personal loan — better when the need is large and long-term. The trade-off is a legal/valuation process and your property as collateral.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.