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Muthoot FinCorp Loan Against Property

Apply for the Muthoot FinCorp Loan Against Property on Bajaj Markets to get funds of up to ₹1 Crore with an interest rate starting at 14% p.a.

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Starting Interest Rate 14% p.a.
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Max. Loan Amount ₹1 Crore
Max. Tenure 180 Months
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For cash flow enhancement and fulfilment of your urgent needs, you can get a loan against property (LAP) from Muthoot FinCorp. Get quick approval for the loan within 2 to 3 working days by applying online on Bajaj Markets.

Muthoot FinCorp Loan Against Property Interest Rate and Charges

Check the Muthoot FinCorp LAP interest rates and charges before applying:
Particulars Details

Interest Rate

14% p.a. onwards

Processing Fee

3% + GST

Foreclosure Charges

  • Within 1 year – 8% of the prepaid principal amount + GST

  • Between 2 and 5 years – 7% of the prepaid principal amount + GST

  • 5th year onwards – 5% of the prepaid principal amount + GST

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

Other Fees and Charges Related to Muthoot FinCorp Loan Against Property

Along with the loan amount, tenure, and interest rate, you need to be aware of additional costs. For Muthoot FinCorp Loan Against Property, these include:
Particulars Details

Penal Charges

1.5% monthly on overdue amount + GST

Disclaimer: The details mentioned above are subject to change at the lender’s discretion.

Muthoot FinCorp Loan Against Property EMI Calculator

This tool helps you plan your finances with ease. By entering details such as loan amount, tenure, and interest rate, you can instantly estimate your monthly instalments for the LAP. With the Muthoot FinCorp Loan Against Property Calculator, planning your loan becomes more transparent, convenient, and stress-free.
Your Loan Against Property EMI
₹ 7,164
Total Interest Amount

₹ 719,435

Principal Amount

₹ 10,00,000

Total Payable Amount

₹ 17,19,435

Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months arrow-down-img
  • Years
- +
Min value reached
Max value reached
Calculate Now

You can also make instant comparisons between loan offers from multiple Loan against property providers on Bajaj Markets.

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Furthermore, you can gain deeper insights into your loan instalments with the free amortisation schedule, which is provided with each calculation. 

 Read More

Features and Benefits of Muthoot FinCorp Loan Against Property

From flexible repayment options to competitive interest rates, this LAP facility makes borrowing both convenient and reliable. Here are the benefits you can enjoy:

  • High Loan Amount

Get a loan amount of up to ₹1 Crore, which can be used to meet various needs and expenses

  • Attractive Interest Rate

Enjoy lower repayment costs with interest rates starting from 14% p.a.

  • Flexible Repayment Options

You can choose a loan tenure that suits your repayment capacity, ranging up to 180 months

  • No Income Proof

Get the required loan without providing any income proof. This is subject to the regulations and policies of Muthoot FinCorp Ltd.

  • Multiple Collateral Options

Mortgage your residential or commercial property to get the loan

  • Simple Application and Quick Approval

Complete your loan application online on Bajaj Markets and you may get an approval within 2 to 3 working days

Types of Muthoot FinCorp Loan Against Property

Muthoot FinCorp offers three variants of Loan Against Property to suit the varied financial needs of individuals and businesses. Here are the options you can consider:

  • General Loan Against Property

You can opt for this loan facility for various needs, including business expansion, working capital requirements, debt consolidation, and home renovations. It requires minimal documentation and has a quick approval process.

  • Micro LAP

You can get this LAP to enhance the cash flow of your business and strengthen working capital. It is ideal for small enterprises.

  • Secured Business Loan LAP (SBL)

This loan variant offers financial assistance to small businesses, micro-enterprises, retailers, and traders. This does not require income proof, making it easier for small enterprises to qualify.

Eligibility Criteria for a Muthoot FinCorp Loan Against Property

Here are the basic Muthoot FinCorp Loan Against Property eligibility criteria you need to fulfil:

  • Age between 23 to 65 years

  • A salaried individual or self-employed professional/non-professional

  • CIBIL Score of at least 700

  • The property title should be in your name or the co-borrowers’ name

Documents Required for a Muthoot FinCorp Loan Against Property

You will need to submit the documents listed below when applying for the loan:

  • Identity proof: Any of the following:

    • Driving licence

    • Voter ID

    • PAN card

    • Passport

    • Aadhaar card

  • Address proof: Any of the following: 

    • Driving licence

    • Voter ID

    • Passport

    • Aadhaar card

    • Utility bills

  • Age proof: Any of the following:

    • Driving licence

    • PAN card

    • Passport

    • Aadhaar card

    • Birth certificate

    • School or college passing certificate

  • Business address proof: Any of the following:

    • Utility bills

    • Copy of registered lease

    • Shop and Establishment Certificate

    • Partnership Deed

    • Udyog Aadhaar

    • Bank Statement for the last 3 months old

    • Certificate of Incorporation (COI)

    • Memorandum of Association (MoA)

    • Articles of Association (AoA)

    • Form 32

  • Signature proof: Any of the following:

    • PAN card

    • Passport

    • Letter for existing banker on the bank’s letterhead

  •  Income proof:

    • For salaried: Salary slips of the last 3 months and bank statement of the last 6 months

    • For individuals with a cash salary: Salary certificate duly signed by the employer

    • For self-employed: Bank statement, GST return, ITR, Kacha record, sales bills, purchase

      bills, and ledger

How to Apply for a Muthoot FinCorp Loan Against Property on Bajaj Markets

Apply for a LAP from Muthoot FinCorp on Bajaj Markets with these easy steps:

  1. Click on the ‘Check Offer’ button displayed on this page

  2. You will be directed to the online application form

  3. Select Loan Against Property as the loan type from the drop-down list

  4. Choose your profession by marking either Salaried or Self-Employed/Business Owner

  5. Provide your mobile number to continue with the eligibility check

  6. Agree to the terms of use and give consent for sharing your details as needed

  7. Press ‘Apply Now’ to finalise and submit your application

Following this, a representative will contact you to further process your application.

How to Check Muthoot FinCorp Loan Against Property Status

You can track the status of your Muthoot FinCorp Loan Against Property through their digital platform or by reaching out to customer support.

Using the Mobile App

  1. Download and open the Muthoot FinCorp ONE mobile app

  2. Log in with your registered details

  3. Navigate to the loan section to view your LAP status

Through Customer Care

  1. Call the toll-free number – 1800 102 1616

  2. Provide your loan details or application number

  3. Get an update on your Loan Against Property status

How to Check Muthoot FinCorp Loan Against Property Statement

You can view and download the statement for your Muthoot FinCorp Loan Against Property through the Muthoot FinCorp ONE mobile app. Follow these steps:

  1. Open the app and tap on the ‘Dashboard’ option

  2. Tap on the ‘Transaction History’ button

  3. Select the duration for which you wish to receive the statement

  4. You can now view and download the Muthoot FinCorp LAP statement

Muthoot FinCorp Loan Against Property Repayment Options

You can repay your Loan Against Property using simple and convenient methods as specified by the lender.

  • NACH (National Automated Clearing House)

Set up automated payments directly from your bank account through NACH. This ensures your EMIs are deducted on time without manual intervention.

  • Cheque

Submit post-dated cheques towards your loan repayment. The lender will process these as per the agreed repayment schedule.

Other Loan Against Property Provider

Bajaj Housing Finance Loan Against Property

Home First Finance Company Loan Against Property

Easy Home Finance Loan Against Property

Sammaan Finserve Loan Against Property

Jio Finance Loan Against Property

L&T Finance Loan Against Property

Aditya Birla Capital Loan Against Property

PNB Loan Against Property

Shubham Housing Finance Loan Against Property

ICICI Loan Against Property

India Shelter Loan Against Property

Truhome Finance Loan Against Property

Frequently Asked Questions

How do I pay the monthly instalments for a Muthoot FinCorp Loan Against Property?

You can pay your monthly instalments for a Muthoot FinCorp Loan Against Property through NACH or by cheque.

The loan-to-value (LTV) ratio offered on this loan does not exceed 65%. This means you can get up to 65% of your property’s market value.

Yes, you can opt for a loan against property balance transfer facility to transfer the loan against a property already mortgaged.

Yes, you need to ensure that your property has insurance against fire and other hazards during the term of the loan. 

Yes, you can pre-close your Muthoot FinCorp Loan Against Property. If you decide to repay the loan within 1 year, you have to pay a fee of 8% of the prepaid principal amount. 

For pre-closures made between 2 and 5 years, you have to pay 7% and from the 5th year onwards, 5% of the prepaid amount. All the above-mentioned charges are exclusive of GST.

If you default on your Muthoot FinCorp Loan Against Property, a penalty of 1.5% per month on the overdue amount will be charged, along with applicable GST. This penalty is in addition to the regular interest and must be paid until the overdue amount is cleared.

Yes, you can apply for the Muthoot FinCorp LAP through the Muthoot FinCorp ONE app or by clicking the ‘Apply Now’ button on the official website. You can also visit the nearest Muthoot FinCorp branch and contact their representatives to complete the process offline.  

No, as of September 9, 2025, Muthoot FinCorp does not have any specific schemes for a loan against property for women borrowers. Check the official Muthoot FinCorp website or contact their customer care for the latest updates and eligibility details before applying.

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