Land Mortgage Loans

Transform your land assets into liquid capital for business growth, expansion, or personal needs

Quick Facts:

Interest Rate: From 9.5%
Loan Amount: Up to ₹5 Crores
LTV Ratio: Up to 75%
Tenure: Up to 15 years
Apply Now Calculate EMI

Land Mortgage Benefits

  • ✅ Lower interest rates than personal loans
  • ✅ Higher loan amounts based on land value
  • ✅ Flexible repayment terms
  • ✅ No restrictions on fund usage
  • ✅ Quick processing and approval
  • ✅ Retain ownership of your land

🏞️ Types of Land We Accept

Agricultural Land

Fertile agricultural land with clear ownership documents and good accessibility

Commercial Land

Prime commercial plots in developed areas with high appreciation potential

Residential Plots

Approved residential layouts and DTCP/BDA approved sites

Industrial Land

Industrial plots and land suitable for manufacturing or warehouse purposes

💰 Fund Usage Options

Business Expansion

Scale your business operations, purchase equipment, or expand to new markets

Working Capital

Meet day-to-day operational expenses and maintain healthy cash flow

Property Investment

Invest in additional real estate or develop existing properties

Personal Needs

Education, medical emergencies, weddings, or any other personal requirements

Land Valuation Process

📊 Valuation Factors

  • Location & Accessibility: Proximity to highways, cities, and transportation
  • Land Size & Shape: Total area, frontage, and land topology
  • Market Rates: Recent sale prices of comparable land parcels
  • Development Potential: Future growth prospects and zoning regulations
  • Infrastructure: Availability of water, electricity, and road connectivity
  • Legal Status: Clear title, approvals, and legal compliance

🔍 Valuation Methods

Comparative Market Analysis

Comparing recent sales of similar land parcels in the vicinity

Income Approach

For income-generating land based on rental or agricultural yield

Development Method

Considering development potential and future land use possibilities

Government Circle Rates

Reference to official government rates and registration values

Land Mortgage Calculator

Monthly EMI

₹95,395
Loan Amount: ₹70,00,000
Total Interest: ₹44,47,400
Processing Fee (1%): ₹70,000
Total Amount: ₹1,14,47,400

✅ Eligibility Criteria

Individual Applicants

  • Age: 21 to 65 years
  • Clear land ownership documents
  • Stable income source
  • Good credit history

Business Entities

  • Registered business entity
  • Minimum 2 years in operation
  • Positive cash flows
  • Land ownership by entity/partners

Land Requirements

  • Clear and marketable title
  • Minimum value: ₹10 lakhs
  • Proper accessibility
  • All approvals in place

📋 Required Documents

Personal Documents

  • KYC documents (PAN, Aadhaar)
  • Address proof
  • Income proof documents
  • Bank statements (6 months)

Land Documents

  • Original title deed
  • Survey settlement records
  • Revenue records (7/12 extract)
  • Encumbrance certificate
  • Property tax receipts
  • Land survey plan

Additional Documents

  • Property valuation report
  • NOC from local authorities
  • Insurance documents
  • Legal opinion certificate

Apply for Land Mortgage Loan

Our land mortgage expert will contact you within 4 hours to discuss your application

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