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Loan Against Property

  • ICFS’s Loan Against Property is a multi-purpose loan that can be availed whether you are starting a new business or require long term working capital or need to fund education or marriage of your children. You can opt for a loan against fully constructed houses as well as residential and commercial properties.
  • Comprehending your requirements, we offer low interest rate loan on property maximum up to 15 years. It is noteworthy that the property is not necessary to be a constructional structure. Your property can be your land also.

  • With Loan against Property you can now convert moveable and immoveable property into cash as per your financial requirements. We also provide balance transfer of loan against property along with an additional top up. Woman should be one of the co-applicants for this product.

  • As per your finance requirement, you can choose one of our product variants:
  • Regular LAP

  • upto Rs.10 crores

  • Max Tenure - 15 years
  • Samman LAP

  • upto Rs.35 lakhs

  • Max Tenure - 12 years


  • So get ready to unlock the power of your property with ICFS Loans
  • Loan Against Property Eligibility

  • ICFS Home Loans has three different offerings under Loan against property(LAP) basis loan requirement and property details. Under Regular LAP, high value properties can be financed. One can take maximum loan upto Rs 10 crore* and enjoy tenure as long as 15 years coupled with simple repayment options.

  • Our customized product 'Sammaan' suits small size financial needs of varied profiles. Maximum loan amount can be up to Rs 35 lakhs*. Not only self- employed doctors, architects, chartered accountants and other professionals can leverage this product but also smaller set-up owners like a kirana, a mobile store or a restaurant can also benefit from this offering.


  • Given below are the eligibility parameters under each variant
    • Regular LAP
    • Samman
  • Any Resident Indian Individual (salaried/ self-employed) can apply. The co-applicants can be close relatives, partnership firms, or even a Private Limited Company.

  • In case where income is considered, minimum age at loan inception is 21 years and loan maturity is 65 years. If income is not considered, minimum age at loan inception is 18 years.

  • Product Type Regular LAP
    Minimum Loan Amount (non metro) (INR) 25 lakhs
    Minimum Loan Amount (metro) (INR) 35 lakhs
    Maximum Loan Amount (non metro) (INR) 10 crore
    Maximum Loan Amount (metro) (INR) 10 crore
    Maximum Tenure (Years) 15

    SAMMAN

  • Resident Indians, self employed as proprietor, owner of partnership firms including LLP, Pvt. Ltd. & closely held companies are eligible for applying for the product if the property is in possession of the borrower since last 2 years. Minimum 3 years continuity in business is required.

  • In case where income is considered, minimum age at loan inception is 30 years and loan maturity is 65 years. If income is not considered, minimum age at loan inception is 21 years

  • Product Type Sammaan LAP
    Minimum Loan Amount (non metro) (INR) 5 lakhs
    Minimum Loan Amount (metro) (INR) 5 lakhs
    Maximum Loan Amount (non metro) (INR) 25 lakhs
    Maximum Loan Amount (metro) (INR) 35 lakhs
    Maximum Tenure (Years) 15