Consumer Loan Against Property (C-LAP)

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Are you looking for expanding your business, capital expenditure or short term running limit to meet your working capital needs for your business? Raise funds through a long term loan against the value of your property upto 1 Cr through Asia's safest Bank, DBS. Unlock value of your assets -Residential or commercial property and raise funds. We can help you monetize your assets without liquidating them.

Additionally, you can also avail OverDraft to meet working capital needs for your business.


  • Applicable to Self-employed Professionals/ Business-Person:
    • Individuals
    • Sole Proprietors
    • Partnership Firms / LLP
  • who have been in same line of business / profession for 3 Yrs

Firms: Micro, small and medium enterprises in trade, manufacturing and services in both individual and non-individual capacity with annual turnover less than INR 2.5Cr


  • 50% to 65% basis property type.
  • The bank assesses the location, condition, and age to roll out the best offer.


  • Personal Guarantee is mandatory

Quantum of Finance

  • Minimum: INR 10 Lakhs
  • Maximum: INR 1 Crore


  • Business expansion, working capital, personal use, etc.


  • A maximum of 180 EMIs (12 - 180 Months) without a holiday period


  • 35% to 50% basis property type

Interest Rate

  • Loan Against Property: 10% - 16% p.a.(Linked to Repo rate)
  • Overdraft: 10% - 14% p.a. (Linked to Repo rate)

* The interest rates will vary based on various parameters such as the Bureau Score, Segments, etc.
Current Repo rate is 6.5%

Annual Percentage Rate (APR)

Display of information related to rates of C-LAP and Annual Percentage Rate (APR)

Q2 ( Apr'23 to June'23) (in %)


Min Rate

Max Rate

Mean ROI *





*We charge average fees in Qtr 2 (Apr'23 to June'23) -1.59%

* Mean Rate of Interest is calculated as weighted average of Rate of Interest

Processing Fee

  • Loan Against Property: up to 2% of Sanction Loan amount + Tax
  • Overdraft: up to 1% of limit amount + Tax
  • Initial Application Login Fee of INR 4000 + Tax to be collected at Login stage. Fee is non-refundable in nature

Other Fees


C-LAP/ Overdraft

Cheque Bounce charges

INR 500 + Tax

Repayment schedule charges
(Once in a calendar year only)

INR 200 + tax

Cheque / SI / ECS/NACH swapping charges

INR 500 + tax

Account maintenance charges

Overdraft - INR 5,000 per annum + Tax

Property Document Retrieval

INR 500 + tax


INR 100 + tax

Repricing Fee Up to INR 50 Lacs Loan/ Limit Outstanding - INR 5,000 or 0.5% whichever is lower + tax

Greater than INR 50 Lacs Loan/ Limit Outstanding - INR 10,000 or 0.25% whichever is lower + tax
Foreclosure/Part-payment charges for MSME (not applicable on floating rate loans to individual borrowers with end use being personal use) LAP:
Up to 24 Months: 5% of Loan outstanding
>24 – 60 Months: 3% of Loan outstanding
>60 months: 2% of loan outstanding
Part payment of up to 25% of loan outstanding allowed in a calendar year without charges
OD: Up to 2% of Limit Outstanding
Loan Cancellation Charges
(Loan cancellation allowed within 30 days from first date of disbursal)
The same shall be over and above the applicable interest amount
INR 5,000+ Tax
Penal Interest Levied in case of non-payment of the monthly payment. It is charged on the overdue installment for the defaulted period. Default Interest: 24% per annum

Document requirement

  • Proof of Identity and Residence, Proof of Income, Property documents, etc

Loan Application

Click here to view Loan Application

RBI Circular: Customer Education Regarding Asset Classification

Click here to view details