Consumer Loan Against Property (C-LAP)


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

Additionally, you can also avail of our OverDraft facility to fulfil your working capital needs for your business.


  • Self-employed professionals and business owners:
    • Individuals
    • Sole Proprietors
    • Partnership Firms / LLP
  • Individuals who have been in the same line of business/profession for 3 Years

Firms: Micro, small and medium enterprises in trade, manufacturing and services in both individual and non-individual capacity with annual turnover less than ₹5Cr.


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


  • Personal Guarantee is mandatory

Quantum of Finance

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


  • Business expansion, raising 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% - 21% 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)

Q4 ( Oct'23 to Dec'23) (in %)


Min Rate

Max Rate

Mean ROI *





*we charged average fees of 1.66% in Q4 (Oct'23 to Dec'23)

 *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 ₹4000 + Tax to be collected at Login stage. Fee is non-refundable in nature.

Other Fees


C-LAP/ Overdraft

Cheque Bounce charges

₹500 + Tax

Repayment schedule charges
(Once in a calendar year only)

₹200 + tax

Cheque / SI / ECS/NACH swapping charges

₹500 + tax

Account maintenance charges

Overdraft - ₹5,000 per annum + Tax

Property Document Retrieval

₹500 + tax


₹100 + tax

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

Greater than ₹50 Lacs Loan/ Limit Outstanding - ₹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
₹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

Customer Education Advisory

Click here to view

Statement regarding MSME Loan Application for the Quarter 4 ended Mar 2024

Click here to view


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