Loan Against Property
For a Loan Against Property (LAP), banks/NBFCs usually ask for documents in 4 main categories: KYC, income, property, and business (if applicable). Here’s a clear checklist:
Overview
Detailed Information
PAN Card (mandatory)
Aadhaar Card / Passport / Voter ID / Driving License
Passport-size photographs
Address proof (utility bill, rent agreement, etc.)
💼 2. Income Documents
🔹 For Salaried Individuals:
Last 3–6 months salary slips
Last 6 months bank statements (salary account)
Form 16 (last 1–2 years)
Income Tax Returns (if applicable)
🔹 For Self-Employed / Business:
Last 2–3 years ITR with computation
Profit & Loss statement + Balance Sheet
Business proof (GST registration, Shop Act, etc.)
Last 6–12 months bank statements (current account)
🏠 3. Property Documents (Very Important)
Sale Deed / Title Deed
Chain of property documents (previous owners)
Property tax receipts
Approved building plan
Occupancy Certificate (OC) / Completion Certificate (CC)
Encumbrance Certificate (EC)
Allotment letter (if applicable)
🏢 4. Business Documents (if applicable)
GST Returns (last 6–12 months)
Business registration proof
Partnership deed / MOA & AOA (for companies)
📌 5. Other Supporting Documents
Existing loan statements (if any)
CIBIL/credit report (bank may pull directly)
Processing fee cheque
Features & Benefits
Why this product is right for you
Eligibility Criteria
Check if you qualify:
Why Choose Udhar Capital?
Documents Required
Keep these documents ready to ensure a smooth and fast loan approval process.
Fees & Charges
Partner Banks
Trusted institutions powering our approvals and disbursals.
Built For Growth, Trust, and Speed
A complete ecosystem designed for better performance and better customer outcomes.
Easy On-boarding
Quick activation and smooth start for every partner.
Multiple Products
Wide product basket to match every customer profile.
Instant Approvals
Faster decisioning pipeline for better conversion.
Prompt Payouts
Reliable and transparent payout tracking system.
Secure Data
Strong security and compliance-led data handling.
Unified Dashboard
Single view of leads, status, payouts, and insights.
Rewards & Loyalty
Growth-linked incentives and lifetime partner value.
Excellent Customer Support
Dedicated assistance from onboarding to disbursal.
Training Programs
Skill-building sessions to improve quality and output.
Different Forms of Loan Repayments
Choose the repayment style that fits your cash flow.