Kotak Vishwas Loan Against Property
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Kotak Vishwas Loan Against Property – Unlock Your Property’s True Value
With Kotak Vishwas Loan Against Property (LAP), you can leverage the value of your property to access funds for personal or business needs. Enjoy flexible funding, faster approvals, and a hassle-free process designed to support you at every step with interest rate starting at just 10.40%*p.a.
Kotak Vishwas Loan Against Property, you can borrow against your residential, commercial, industrial property or standalone plot.
Whether you need funds for business expansion, education, or personal expenses, Kotak Vishwas Loan Against Property gives you the financial freedom you deserve.
Apply online today and experience a smooth, secure, and convenient loan process.
Turn the value of your property into financial support with benefits designed to make the process simple, quick and flexible
Get loan up to ₹1.25 crores to meet your financial needs.
Choose a repayment period of up to 15 years that fits your income flow
Submit only essential documents—no complex paperwork or long checklists
Get funding up to 65% of the property’s value
Once approved, the funds are credited to your account without unnecessary delays, so you can move ahead with your plans without any hiccups.
Use the loan for personal needs, business growth, medical expense, or emergency needs
Starts at 10.40% p.a., with rates based on profile and loan terms
Whether you’re salaried or self-employed, Kotak Vishwas makes it easier to access funds by keeping the eligibility simple and inclusive.
Criteria |
Salaried Individual |
Self-Employed Individuals |
|---|---|---|
Age |
18 to 60 years |
18 to 65 years |
Loan Amount |
₹5L – ₹1.25Cr* |
₹5L – ₹1.25Cr* |
Minimum Income |
Residents of Delhi, Chennai, Bangalore, Mumbai, Pune: ₹25,000/month Other cities: ₹20,000/month |
₹1,50,000 per annum
|
Your eligibility will also depend on your credit profile and the property you wish to mortgage.
Getting started is simple. The loan is designed to be accessible, with basic criteria you can easily meet.
The Kotak Vishwas Loan Against Property is designed to support a wide range of individuals, making home ownership more accessible:
Kotak Vishwas Loan against Property offers competitive interest rates tailored to your profile, making your dream possible.
Customer Type |
Interest rates starting from* |
|---|---|
Salaried |
10.40% p.a. |
Self-employed |
10.75% p.a. |
Fill in your basic details and check your loan eligibility in just a few steps. It’s that easy!
Receive an in-principle sanction letter with your approved loan amount, giving you a clear idea of how to plan your finances.
Upload your required financial documents for verification. Once the property and legal checks are done, the approved loan amount gets disbursed.
To apply offline, simply visit your nearest Kotak Mahindra Bank Branch. Our representative will guide you through every step of the process
Kotak Vishwas Home Loan comes with transparent fees and charges, with no hidden costs.
Click here to view details on fees and charges before applying.
Kotak Mahindra Bank makes taking a Loan Against Property simple with minimum documents. You can secure the loan with basic identity and income proofs for approval.
Documents |
Self Employed |
Salaried |
|---|---|---|
Application Form |
For proprietor / firm / company |
For salaried |
Compulsory document |
Pan card |
Pan card |
Identity proof
|
Driving License / Passport / Voter’s ID / Aadhaar Card (E-KYC Authenticated) |
Driving License / Passport / Voter’s ID / Aadhaar Card (E-KYC Authenticated) |
Address Proof |
Address proof for both office and residence; Passport/Driving License/Voter’s ID/Aadhaar Card(E-KYC Authenticated) |
Address proof for both office and residence; Passport/Driving License/Voter’s ID/Aadhaar Card(E-KYC Authenticated) |
Ownership Proof |
Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / municipal tax bill / share certificate |
Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / municipal tax bill / share certificate |
Business Continuity Proof |
Shop and Establishment certificate / tax registrations – VAT/Service Tax/GST Registrations |
- |
Relationship Proof |
- |
If same can not be proved from KYC documents submitted |
As per program |
|
|
Financial |
Latest Three Years audited financials Breakup of all secured and unsecured loans |
Latest 3 month’s salary slips Employment proof (appointment proof) only if current employer name does not match with that of the form 16 submitted |
Banking |
Latest 1year bank statement (business accounts) |
Latest 6months Bank Statement reflecting salary as well as existing EMI repayment |
With Kotak Vishwas Loan Against Property, you can borrow against a variety of property types:
1. Commercial Property
You can borrow against shops, office spaces, residential property, showrooms and so on owned by you.
2. Industrial Property
Loans are available against owned warehouses, manufacturing units and more owned by you.
3. Standalone Plots
You can use any legally approved land in your name as collateral.
Use our Loan Against Property EMI Calculator to estimate your monthly payments based on loan amount, tenure, and interest rate.
Calculate your monthly EMI with the Loan Against Propert EMI Calculator here.