Loan Against Property
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Convert Property Value Into Funding Opportunities
Aadhya Financial Consultancy helps individuals, professionals, and businesses unlock funding solutions against residential and commercial properties through a strong network of banks and NBFCs across India. Backed by deep financial expertise, we help clients secure suitable funding structures, optimise capital savings wherever possible, and manage the complete process from consultation and documentation to final disbursement.
Loan Against Property Eligibility
Loan Against Property solutions are available for salaried individuals, self-employed professionals, business owners, companies, LLPs, and partnerships with residential or commercial property ownership. Aadhya Financial Consultancy helps assess your financial profile, property strength, and eligibility to identify suitable funding solutions with smooth processing and complete end-to-end support.
Age
Applicants should typically be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Individuals – Stable monthly income preferred
- Self-Employed Individuals – Consistent business income and financial track record
Employment
- Salaried: Minimum 2–3 years work experience
- Self-Employed: Minimum 3 years of business continuity
Types of Loan Against Property
LAP for Salaried Individuals
Funding solutions for salaried individuals who own residential or commercial property and require access to structured financial support. We help clients secure suitable funding structures with simplified processing, documentation support, and repayment planning aligned with their income profile.
LAP for Self-Employed & Business Owners
Designed for self-employed professionals, entrepreneurs, proprietors, and business owners looking for funding support for business growth, working capital, expansion, or investment opportunities. Our team helps structure the right funding solution based on financial strength, business profile, and property value.
LAP for Business Entities
Structured property-backed funding solutions for companies, LLPs, and partnerships using owned residential or commercial properties. Through strong banking relationships and strategic financial structuring, we help businesses secure suitable funding solutions with complete execution support from documentation to final disbursement.
| A | Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|---|
| 1 | PAN Card | Mandatory | |
| 2 | Aadhaar Card | Mandatory | |
| 3 | Passport-size photographs | Mandatory | |
| 4 | Residence address proof (Utility Bill / Rent Agreement) | Mandatory | |
| 5 | Additional Photo ID (Passport / Voter ID / Driving Licence) | If Applicable | |
| B | Sr. No. | Constitution & Business Existence | Requirement |
| 1 | Business address proof | Mandatory | |
| 2 | Shop & Establishment / Gumasta / Trade Licence | Mandatory | |
| 3 | GST Registration Certificate (GSTIN) | If Applicable | |
| 4 | Udyam / MSME Registration | If Applicable |
| A | Sr. No. | Income & Financial Documents | Requirement |
|---|---|---|---|
| 1 | ITR + Computation – Last 3 Years | Mandatory | |
| 2 | Audited Financials (Balance Sheet, Profit & Loss, Schedules) – Last 3 Years | If Applicable | |
| 3 | Tax Audit Report (Form 3CA/3CB-3CD) – Last 3 Years | If Applicable | |
| 4 | Provisional / Current-Year Financials (Signed) | If Applicable | |
| 5 | 26AS / AIS – Last 2–3 Years | Mandatory | |
| 6 | GST Returns (GSTR-3B) – Last 12 Months | If Applicable | |
| B | Sr. No. | Banking | Requirement |
| 1 | Individual Savings Account Statement – Last 6–12 Months | Mandatory | |
| 2 | Business Current / CC / OD Account Statement – Last 12 Months | Mandatory |
| A | Sr. No. | Property / Collateral | Requirement |
|---|---|---|---|
| 1 | Sale Agreement / Sale Deed / Chain of Title | If Applicable | |
| 2 | Registered Title Chain + Title / Search Certificate | If Applicable | |
| 3 | Approved / Sanctioned Building Plan | If Applicable | |
| 4 | Occupancy / Completion Certificate (OC/CC) | If Applicable | |
| 5 | Latest Property Tax Receipt / Bill | If Applicable | |
| 6 | Society Registration + Share Certificate / NOC | If Applicable | |
| 7 | Valuation Report (Bank-Empanelled Valuer) | If Applicable | |
| 8 | Encumbrance Certificate / Search Report | If Applicable | |
| B | Sr. No. | Existing Obligations | Requirement |
| 1 | Sanction Letters of All Running Loans | If Applicable | |
| 2 | Loan Statements + EMI Track – Last 12 Months | If Applicable | |
| 3 | Foreclosure / LOD Letter (Balance Transfer / Takeover) | If Applicable | |
| C | Sr. No. | Application & Fees | Requirement |
| 1 | Duly Filled & Signed Loan Application Form | Mandatory | |
| 2 | Processing / Login Fee Payment Proof | Mandatory | |
| 3 | PDCs / NACH-ECS Mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 6 | Salary slips – latest 3 months | Mandatory |
| 7 | Form 16 – latest 2 years | Mandatory |
| 8 | Employment continuity / appointment letter | If applicable |
| 9 | ITR + computation – last 3 years | If applicable |
| 10 | 26AS / AIS – last 2-3 years | If applicable |
| Sr. No. | Banking | Requirement |
| 11 | Salary account statement – last 6 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 12 | Sale agreement / sale deed / chain of title | If applicable |
| 13 | Registered title chain + Title / Search certificate | If applicable |
| 14 | Approved / sanctioned building plan | If applicable |
| 15 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 16 | Latest property tax receipt / bill | If applicable |
| 17 | Society registration + share certificate / NOC | If applicable |
| 18 | Valuation report (bank-empanelled valuer) | If applicable |
| 19 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 20 | Sanction letters of all running loans | If applicable |
| 21 | Loan statements + EMI track – last 12 months | If applicable |
| 22 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 23 | Duly filled & signed loan application form | Mandatory |
| 24 | Processing / login fee payment proof | Mandatory |
| 25 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Professional qualification & practice licence | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | Mandatory |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Udyam / MSME Registration | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | If applicable |
| 10 | Partnership Deed (registered) | Mandatory |
| 11 | Firm Registration Certificate (Registrar of Firms) | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 2-3 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC (Partners) | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN Card | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | LLP Agreement | Mandatory |
| 11 | Certificate of Incorporation | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN CARD | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | Certificate of Incorporation | Mandatory |
| 11 | Memorandum & Articles of Association (MOA & AOA) | Mandatory |
| 12 | Board Resolution / Authority letter (loan + signatory) | Mandatory |
| 13 | List of directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sanction letters of all running loans | If applicable |
| 23 | Loan statements + EMI track – last 12 months | If applicable |
| 24 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 25 | Sale agreement / sale deed / chain of title/draft agreement | If applicable |
| 26 | Registered title chain + Title / Search certificate | If applicable |
| 27 | Approved / sanctioned building plan/ floor plan | If applicable |
| 28 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 29 | Latest property tax receipt / bill | If applicable |
| 30 | Society registration + share certificate / NOC | If applicable |
| 31 | Valuation report (bank-empanelled valuer) | If applicable |
| 32 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
Documents Required for Loan Against Property
Documentation requirements vary based on applicant profile, property type, and funding structure. Our team provides complete assistance with document preparation, profile assessment, and lender coordination to ensure a smooth and well-structured application process. From verification and documentation to sanction and final disbursement, Aadhya Financial Consultancy manages the complete journey with end-to-end support.
Loan Against Property Calculator
Use our LAP Eligibility Calculator to understand the estimated funding eligibility available against your property. Simply enter your property details, financial profile, and existing obligations to gain better clarity on your funding potential and repayment planning before beginning the formal application process.
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EMI CALCULATOR
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Total Interest
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Discover The Funding Potential Of Your Property.
Connect with Aadhya Financial Consultancy for a free consultation and personalised funding guidance. Our team helps assess your profile and property, identify suitable funding solutions, optimise capital savings wherever possible, and manage the complete process with smooth end-to-end support.
