Unlock Capital From Your Property & Inventory
LAP, warehouse receipts, cold storage finance — structured with legal precision by our expert team.
LAP — Overview
Leverage your property's value for business expansion, debt consolidation, or any high-value need.
Loan Amount
Up to 70% LTV
of property value
Interest Rate
9% – 12%
per annum
Tenure
Up to 15 Years
flexible repayment
Property Types
All Types
Residential, Commercial, Industrial, Plot
LAP vs Personal Loan
| Parameter | LAP | Personal Loan | Winner |
|---|---|---|---|
| Interest Rate | 9% – 12% p.a. | 14% – 24% p.a. | LAP ✓ |
| Loan Amount | Up to ₹10 Cr+ | Up to ₹25 Lakh | LAP ✓ |
| Tenure | Up to 15 years | Up to 5 years | LAP ✓ |
| Tax Benefit | On interest (if for business) | None | LAP ✓ |
| Processing Time | 15–25 days | 3–7 days | Personal ✓ |
| Property Risk | Yes — mortgage required | No collateral | Personal ✓ |
Property Valuation Estimator
Get a rough estimate of your property value and LAP eligibility.
In-House Legal Team
Zero surprises at disbursement
Title search, encumbrance certificate, legal opinion — our in-house legal team ensures your property loan sails through without delays.
Title Search & Verification
Comprehensive title search going back 30+ years to ensure clear, marketable title.
Mortgage Deed Drafting
Equitable or registered mortgage documentation prepared with precision.
CERSAI Registration
Mandatory central registry filing handled end-to-end by our team.
Encumbrance Certificate
EC verification to confirm property is free from existing liens or charges.
⚖️ Equitable vs Registered Mortgage? Our legal team advises on the best route based on your lender and property type.
Warehouse Receipt Finance
Pledge your stored commodities to get working capital — without selling your inventory.
Best for: Traders, commodity businesses, agri processors
Store Goods
Deposit commodities in a WDRA-registered warehouse
Get Receipt
Warehouse issues negotiable receipt for stored goods
Pledge to Bank
Submit receipt to bank as collateral for loan
Get Funding
Receive up to 70% of commodity value as working capital
Commodity Rates & LTV
| Commodity | LTV % | Rate | Validity |
|---|---|---|---|
| Food Grains (Wheat, Rice) | 65–70% | 9–11% | 6 months |
| Pulses (Dal, Chana) | 60–65% | 10–12% | 6 months |
| Oilseeds (Soybean, Mustard) | 55–65% | 10–12% | 4 months |
| Cotton | 60–70% | 9.5–11% | 6 months |
| Sugar | 65–70% | 9–10.5% | 6 months |
| Metals (Non-perishable) | 50–60% | 10–12% | 12 months |
Cold Storage Finance
Infrastructure and working capital solutions for cold storage operators and agri-businesses.
Infrastructure Loan
Set up or expand cold storage facilities with long-tenor project finance and subsidy linkage.
Working Capital
Operational funding for cold storage operators — electricity, maintenance, and seasonal inventory financing.
PLI Scheme Benefits
Access Production-Linked Incentive benefits and government subsidies for food processing infrastructure.
Get Property Assessment — Free
Share your details and our property finance expert will call you with the best options.