At Shrinath Consultancy and Sales Pvt. Ltd., we believe in building trust through transparency, performance, and expert financial guidance. Founded in 2020 and headquartered in Udaipur, Rajasthan, we specialize in providing consultancy and support services related to financial intermediation, business development, and strategic sales solutions.
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Loan Against Property
Unlock the Hidden Value of Your Property
Need funds for business expansion, education, or personal commitments? A Loan Against Property (LAP) allows you to leverage your existing residential or commercial property to access large amounts of money — while you continue to own and use your asset. At Shrinath Sales, we connect you with top banks and NBFCs offering low-interest loans against property with flexible repayment options, minimal paperwork, and quick disbursal.
Punjab National Bank
- Interest Rate :15% - 25%
- Loan Amount :₹50K - ₹10Cr
- EMI Per Lakh :₹2,379 - ₹2,935
- Processing Fees :Up to Rs.300/- per lakh or part thereof
Bank of Baroda
- Interest Rate :7.25% - 13.5%
- Loan Amount: ₹5L - ₹1Cr
- EMI Per Lakh :₹1,992 - ₹2,301
- Processing Fees :Up to 3% of the loan amount
State Bank of India
- Interest Rate :9.1% - 11.55%
- Loan Amount :₹10L - ₹50Cr
- EMI Per Lakh :₹2,081 - ₹2,202
- Processing Fees :Flat Rs 10,000
Bank of India
- Interest Rate :10.2% - 12.95%
- Loan Amount :₹5L - ₹5Cr
- EMI Per Lakh :₹2,135 - ₹2,273
- Processing Fees :Starting from ₹500 – 10,000
Union Bank of India
- Interest Rate :9.55% - 12.1%
- Loan Amount :Up to ₹15L
- EMI Per Lakh :₹2,103 - ₹2,230
- Processing Fees :Up to 1% (Maximum Rs 7,500)
Canara Bank
- Interest Rate :9.5% - 11.55%
- Loan Amount :₹50K - ₹20Cr
- EMI Per Lakh :₹2,100 - ₹2,202
- Processing Fees :Up to 75% of applicable charges
Kotak Bank
- Interest Rate: 16% - 28%
- Loan Amount: ₹3L - ₹1Cr
- EMI Per Lakh:₹2,432 - ₹3,114
- Processing Fees :Up to 2%
HSBC Business Loan
- Interest Rate: 14%
- Loan Amount: Up to ₹75L
- EMI Per Lakh: ₹2,327
- Processing Fees: Up to 1% of the loan amount or Rs 10,000, whichever is higher
RBL Bank Business Loan
- Interest Rate: 14% - 26%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹2,994
CITI Bank Business Loan
- Interest Rate: 12% - 18%
- Loan Amount: ₹1L - ₹30L
- EMI Per Lakh: ₹2,224 - ₹2,539
- Processing Fees: Up to 2% of the sanctioned loan amount
Axis Bank Business Loan
- Interest Rate: 10.75% - 25%
- Loan Amount: ₹50K - ₹10Cr
- EMI Per Lakh: ₹2,162 - ₹2,935
- Processing Fees :Upto 2.00% + Taxes applicable
HDFC Sales Business Loan
- nterest Rate: 10.75% - 22.5%
- Loan Amount: Up to ₹40L
- EMI Per Lakh: ₹2,162 - ₹2,790
- Processing Fees: For availing fresh business loan: Up to 2% plus GST
UGRO Capital Business Loan
- Interest Rate: 9% - 36%
- Loan Amount: Up to ₹5Cr
- EMI Per Lakh: ₹2,076 - ₹3,613
- Processing Fees: Up to 4% of loan amount sanctioned
Deutsche Bank
- Interest Rate: 16% - 19%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,432 - ₹2,594
- Processing Fees: 3% of the disbursed loan amount
IndusInd Bank
- nterest Rate: 15.99%
- Loan Amount: ₹30L - ₹1Cr
- EMI Per Lakh :₹2,431
- Processing Fees :Up to 2% of the loan amount
IDFC FIRST Bank
- Interest Rate: 14%
- Loan Amount: ₹7L - ₹1Cr
- EMI Per Lakh: ₹2,327
- Processing Fees: Up to 3.5%
ICICI Bank Business Loan
- Interest Rate: 13.25% - 19.5%
- Loan Amount: ₹1L - ₹40L
- EMI Per Lakh: ₹2,288 - ₹2,622
- Processing Fees: Up to 2% (plus applicable taxes) of the facility amount
Federal Bank Business Loan
- Interest Rate:11.1% - 17.95%
- Loan Amount: ₹1L - ₹2Cr
- EMI Per Lakh: ₹2,179 - ₹2,537
- Processing Fees: Up to 3% of the loan amount
HDFC Bank Business Loan
- Interest Rate :10.75% - 22.5%
- Loan Amount: ₹50K - ₹50L
- EMI Per Lakh: ₹2,162 - ₹2,790
DCB Bank Business Loan
- Interest Rate: 9.95% - 19.5%
- Loan Amount: ₹2L - ₹30L
- EMI Per Lakh: ₹2,122 - ₹2,622
- Processing Fees: Up to 2% of loan amount or ₹ 5,000 (whichever is higher)
IDBI Bank Business Loan
- Interest Rate: 8.05% - 13.45%
- Loan Amount: ₹50K - ₹5Cr
- EMI Per Lakh: ₹2,030 - ₹2,298
- Processing Fees: Up to 3% of loan amount
Tata Capital Financial Services LTD
- Interest Rate: 12.5% - 26%
- Loan Amount: ₹40K - ₹90L
- EMI Per Lakh: ₹2,250 - ₹2,994
- Processing Fees: Up to 2.5% of the loan amount plus GST
Digikredit-SME Corner
- Interest Rate: 19%
- Loan Amount: ₹50K - ₹25L
- EMI Per Lakh: ₹2,594
- Processing Fees: Up to 3% of the loan amount
Tata Capital Housing Finance
- Interest Rate: 19%
- Loan Amount: ₹5L - ₹75L
- EMI Per Lakh: ₹2,594
- Processing Fees: Up to 2.75% of the loan amount plus GST
FT Cash Business Loan
- Interest Rate: 18%
- Loan Amount: ₹1L - ₹50L
- EMI Per Lakh: ₹2,539
- Processing Fees: Up to 2%
DHFL Business Loan
- Interest Rate: 17%
- Loan Amount: ₹5L - ₹30L
- EMI Per Lakh: ₹2,485
- Processing Fees: 2% plus the applicable GST
Piramal Finance
- Interest Rate: 16% - 25%
- Loan Amount: ₹5L - ₹30L
- EMI Per Lakh: ₹2,432 - ₹2,935
- Processing Fees: Up to 5% of the sanctioned loan amount + applicable taxes
NeoGrowth Business Loan
- Interest Rate: 15% - 40%
- Loan Amount: ₹1L - ₹75L
- EMI Per Lakh: ₹2,379 - ₹3,875
- Processing Fees: Up to 5%
Bajaj Finserv Business Loan
- Interest Rate: 14% - 26%
- Loan Amount: ₹25K - ₹45L
- EMI Per Lakh: ₹2,327 - ₹2,994
INTELLEGROW
- Interest Rate: 14% - 24%
- Loan Amount: ₹15L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹2,877
- Processing Fees: Up to 3%
Capri Global Business Loan
- Interest Rate: 13.5% - 19.5%
- Loan Amount: ₹5L - ₹50L
- EMI Per Lakh: ₹2,301 - ₹2,622
- Processing Fees: Up to 2.5% of the sanctioned loan amount
Shriram Urban Co Operative Bank Limited
- Interest Rate: 10% - 42%
- Loan Amount: ₹1L - ₹1Cr
- EMI Per Lakh: ₹2,125 - ₹4,009
- Processing Fees: Less than 2% of the loan amount
INDIFI Business Loan
- Interest Rate: 9.4% - 13%
- Loan Amount: ₹50K - ₹1Cr
- EMI Per Lakh: ₹2,095 - ₹2,275
Muthoot Finance Ltd Business Loan
- Interest Rate: 9% - 12%
- Loan Amount: ₹25L - ₹5Cr
- EMI Per Lakh: ₹2,076 - ₹2,224
- Processing Fees: 2% of the amount disbursed
Clix Capital Business Loan
- Interest Rate: Up to 46%
- Loan Amount: ₹5L - ₹7.5Cr
- EMI Per Lakh: ₹4,281
- Processing Fees: Up to 3% of the sanctioned loan amount
Loantap Credit Products Private Limited
- Interest Rate: 19.99% - 26%
- Loan Amount: ₹50K - ₹10L
- EMI Per Lakh: ₹2,649 - ₹2,994
- Processing Fees: Up to 3% of loan amount
Aditya Birla Finance Limited
- Interest Rate: 18% - 24%
- Loan Amount: ₹50K - ₹1Cr
- EMI Per Lakh: ₹2,539 - ₹2,877
- Processing Fees: Up to 2% of the loan amount
Edelweiss Financial Services
- Interest Rate: 18% - 28%
- Loan Amount: ₹3.5L - ₹25Cr
- EMI Per Lakh: ₹2,539 - ₹3,114
- Processing Fees: Upto 3% of the loan amount + GST
SMFG India Credit Company Ltd
- Interest Rate: 17% - 21%
- Loan Amount: ₹1L - ₹75L
- EMI Per Lakh: ₹2,485 - ₹2,705
- Processing Fees: Up to 6.5% p.a. of the loan amount
Capital First Ltd
- Interest Rate: 16% - 24%
- Loan Amount: Up to ₹40Cr
- EMI Per Lakh: ₹2,432 - ₹2,877
- Processing Fees: Up to 1.99%
L&T Finance Business Loan
- Interest Rate: 15.5% - 24%
- Loan Amount: Up to ₹75L
- EMI Per Lakh: ₹2,405 - ₹2,877
- Processing Fees: Up to 3% on sanctioned amount + applicable taxes
Lending Kart-Nbfc Business Loan
- Interest Rate: 15%
- Loan Amount: ₹50K - ₹2Cr
- EMI Per Lakh: ₹2,379
- Processing Fees: From 2%-5% of loan amount
Hero FinCorp Business Loan
- Interest Rate: 14% - 30%
- Loan AmountL : ₹5L - ₹50L
- EMI Per Lakh: ₹2,327 - ₹3,235
- Processing Fees: Up to 2%
IndiaBulls Business Loan
- Interest Rate: 13.99%
- Loan Amount: ₹5L - ₹25L
- EMI Per Lakh: ₹2,326
Ujjivan Small Finance Bank Business Loan
- Interest Rate: 13% - 19%
- Loan Amount: ₹5K - ₹10Cr
- EMI Per Lakh: ₹2,275 - ₹2,594
- Processing Fees: Up to 2.50% of the loan amount + GST
Arka Fincap Limited Business Loan
- Interest Rate :10% - 36%
- Loan Amount: ₹10L - ₹50L
- EMI Per Lakh: ₹2,125 - ₹3,613
- Processing Fees :Starting From 3%
Poonawalla Fincorp Limited
- Interest Rate: 9% - 15%
- Loan Amount: ₹5L - ₹7.5Cr
- EMI Per Lakh: ₹2,076 - ₹2,379
- Processing Fees: Upto 3.5% of Loan Amount.
IIFL Finance Business Loan
- Interest Rate: Up to 36%
- Loan Amount: ₹1L - ₹50L
- EMI Per Lakh: ₹3,613
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Features & Benefits of Loan Against Property
High Loan Amounts
Get up to 70%–80% of your property’s market value as a secured loan.Attractive Interest Rates
Interest rates starting from 8.75% p.a., depending on your income, credit score, and property type.Flexible Tenure
Repay comfortably over 5 to 15 years with customized EMI plans.Both Residential & Commercial Properties Accepted
Use your home, office, or commercial building to secure the loan.End-Use Flexibility
Funds can be used for business growth, debt consolidation, education, home renovation, or any personal need.Balance Transfer Facility
Shift your existing LAP to another lender for lower EMIs and better benefits.Top-Up Loan Option
Need extra funds? Avail an additional loan on your existing LAP without lengthy documentation.Quick Approvals
Fast processing with minimal documentation and disbursal within 3–5 working days*.Continue Using Your Property
You retain full ownership and usage rights of your property during the loan period.No Hidden Charges
Transparent fee structure with complete disclosure before signing the agreement.
Why Choose Shrinath Sales?
Trusted tie-ups with top nationalized banks & NBFCs
100% digital application and documentation
Quick approval and transparent process
Personalized loan offers as per your property value
Expert guidance from loan professionals
Fees & Charges
| Type of Charge | Amount / Percentage |
|---|
| Processing Fee | 1% – 2% of loan amount |
| Prepayment Charges | 2% – 4% of outstanding balance |
| Late Payment Fee | ₹500 – ₹1,000 per EMI bounce |
| Legal & Valuation Fee | ₹2,000 – ₹5,000 (approx.) |
| Documentation Charges | ₹1,000 – ₹3,000 |
| Foreclosure Charges | As per lender policy |
Documents Required for Loan Against Property
For Salaried Individuals:
PAN Card / Aadhaar Card
Latest 3 months’ salary slips
6 months’ bank statements
Property documents (Title Deed, Sale Agreement, etc.)
Proof of residence and employment
For Self-Employed Applicants:
PAN Card / Aadhaar Card
Business registration proof / GST certificate
Latest 2 years’ ITR and financial statements
Property ownership documents
6–12 months’ bank statements
FAQs
Business Loan
- What is a Loan Against Property (LAP)?
-
A Loan Against Property is a secured loan where you pledge your residential, commercial, or industrial property as collateral to get funds. You continue to own and use your property while repaying the loan.
- How much loan amount can I get against my property?
-
You can get up to 70%–80% of your property’s market value, depending on your income, property type, and repayment capacity.
- What can I use the Loan Against Property for?
-
Funds can be used for business expansion, higher education, wedding expenses, medical needs, debt consolidation, or any personal or professional requirement — except speculative activities.
- Who can apply for a Loan Against Property?
-
Both salaried and self-employed individuals (business owners, professionals, traders, etc.) can apply, provided they own property and meet the lender’s eligibility criteria.
