Property Loan against Commercial & Residential Properties

Loan against property allows you to use the value locked up in a property to meet any expenses you may have. While the loan amount depends on the total value of your property, you are free to use the funds as you see fit. Your property acts as collateral for the loan, but you can continue to use it as before.

At Crust Corporate, we provide customized property loan depending on your requirement. Thus, you may be salaried, self-employed or an SME - rest assured, we have a product for you. Our streamlined process with minimal documentation ensures a hassle-free experience for every customer.

You can reach out to our support team for answers to any queries you may have or information you need via phone, email, or chat. Apply for a Loan Against Property today, and make the most of a host of advantages as our valued client.

How Much Loan Can I Get for My Property?

You can use the calculator below to get an estimate of the maximum loan amount you may be eligible for based on your income, monthly obligations and value / nature of your property.

Customised solutions for your business to take on new heights!

We know that your business is built with a lot of hard work, sincerity and responsibility. We respect these qualities and offer all responsible businesses with some of the best growth solutions in the market. To achieve this, Crust Corporate blends design, technology and personalized services to create meaningful relationships with you and your business. Our eligibility criteria include factors related to both, you and your enterprise.To calculate your business loan eligibility, use business loan eligibility calculator.

Eligibility criteria for a small business loan from Crust Corporate (Individuals & enterprises):

  • Self-employed individuals, proprietors, private limited companies, and partnership firms working in manufacturing, trading, or services.
  • Individuals who have been engaged in the current business for at least three years with a total of five years of business experience.
  • Individuals should be at least 22 years of age while applying for the loan, and less than 65 years of age at the time of maturity.
  • Enterprises with a minimum turnover of `10 Lakhs.
  • Enterprises making profits for the past two years.
  • Enterprises with a Minimal Annual Income (ITR) of `2 Lakhs per year.

If your requirement is for more than `50 lakhs, we offer business loans that are secured with property. The eligibility criteria, interest rates and documentation in such cases will be different.

Please note that the above list is not exhaustive. There might be additional documents required for the business loan at the time of verification, depending on your application and the company’s policies. Speak with a customer care representative to learn more!

What are the customer profiles considered for business loan eligibility?

  • Self-employed professionals (SEP): Chartered accountants, architects, company secretaries, and allopathic doctors who are currently engaged in their profession.
  • Self-employed Non-Professionals (SENP): Under this profile, we consider retailers, proprietors, service providers, traders and manufacturers.
  • Entities: Any private limited company, limited liability partnership, partnership, or closely held limited company is eligible to apply for a business loan. For entities whose requirements are more than `50 lakhs, please visit Loan Against Property for SME.

Borrowing for your business is always a positive step that can help you move faster. Our customised business loan interest rates and fees are tailored to suit every customer as per his or her individual profile and requirement. Thus, no matter what your need is – working capital, purchase of new machinery, business expansion or debt consolidation, our affordable solutions will ensure that you can meet your business loan requirements in the easiest and most convenient manner.


Crust Corporate offers affordable Business Loans solutions. Upon receiving your application, you will firstly be evaluated for eligibility as per our policy at the time of loan application based on the information you provide us. If deemed eligible, our representative will get in touch with you to understand your requirements in detail and set up an appointment for document collection. Depending on what you require, your credit score, business turnover and other financials, we will arrive at the best possible business loan interest rates that can be offered to you. 


Read on to know more about our business loan interest rates and other charges. 

To know more, please feel free to get in touch with us through our customer care centre, or visiting us at your nearest Crust Corporate branch. 

Crust Corporate Business Loan Interest Rates

Interest Rate 17-21% Interest Rate (depending on several factors including location, net income, business stability, collaterals, existing monthly obligations, etc.)
Loan Amount Up to Rs. 50 Lakhs*
Loan Tenure 12-60 Months
Proceeding Fees Up to 6.5% of the Loan Amount
Customer Type Proprietor / LLP/ Pvt Ltd / Partnership / Public Ltd

Business Loans Fees & Charges

Here’s a table of Fees and Charges for Crust Corporate Business Loans to help you understand the same in detail

Fee Type Applicable Charges
Delayed EMI Payment Interest
( per month of delay, every month)
As stated under additional interest charge**
Collection of Cheque/Cash
(per collection)
300
Cheque /ECS dishonoured Charges
(per dishonour of cheque/ECS per presentation)
300
Swap Charges- for replacement of Post-dated cheques to ECS
(per instance)
500
Swap Charges- for replacement of ECS to ECS
(per instance)
500
Loan Cancellation charges
(loan cancelled before first EMI)
1000
Foreclosure Charges  
0 to 6 EMIs fully paid Not allowed
7 to 17 EMIs fully paid 7%
18 to 23 EMIs fully paid 5%
24 to 35 EMIs fully paid 3%
36 or more EMIs fully paid 0%
**Additional Interest (applicable for payment defaults): Rate
For all loans 2% of the overdue EMI amount per month calculated on a daily basis

*Terms and Conditions apply

Documents Required for Business Loan

To receive an approval for your business loan, you will need to submit the following documents:

Identity Proof

For a company, firm or individual - a valid identity proof and PAN Card

Address Proof

Voter ID Card, Ration card, Passport, or Driving License

Bank Statements

Latest Bank Statements for last 6 month

Income Documents

 This should include the latest ITR along with the computation of income, balance sheet, profit and loss account for the past two years. This has to be submitted after the requisite CA certification

Proof of Continuation

ITR/Trade license/Establishment/Sales Tax Certificate

Other Documents

Sole Proprietorship Declaration or Certified Copy of the Partnership Deed, certified true copy of the Memorandum & Articles of Association (certified by the company Director) and the Board resolution


The above is just a basic list. The actual list of business loan documents will depend on your profile, requirement and Crust Corporate’s policy at the time of application.

To know more, get in touch with us today via our toll free number 1800 103 6001 (between 9:00 AM - 7:00 PM on all days except Sundays and public holidays) or email us at namaste@crustcorporate.com

EMI Calculator

Loan EMI

₹ 24,959

Total Interest Payable

₹ 34,90,279

Total of Payments
(Principal + Interest)

₹ 59,90,279

Created with Highcharts 4.2.2 Break-up of Total Payment 41.73% 58.27% Principal Loan Amount Total Interest Total Interest: 58.27%

REQUEST A CALL BACK

We are here to help you always

Need help? Call our award-winning support team at 040 6666666666


Frequently Asked Questions

While availing a mortgage loan, certain charges are levied by the banks or the HFCs to process the loan. This amount varies from bank to bank and should be considered while selecting the financial institution. Let us take a look at these charges.

  • Processing Charge: It is a necessary fee payable at the time of loan application. Even if the loan is rejected, the processing charge would be forfeited by the financial institution.

  • Foreclosure and Prepayment Charges: If the borrower wants to pay off the complete loan amount before the due date, it is called foreclosure. In case, the borrower decides to pay a part of the loan amount before time, it is called prepayment. For both prepayment and foreclosure, banks levy a charge on certain categories.

  • Other Charges: Some common charges include legal fee, documentation charges, stamp duty, technical evaluation fee, title search report fee, etc.

A distinctive feature of LAP is the flexibility to prepay the outstanding loan amount any time during the loan tenure. As per latest RBI guidelines, no prepayment charge is levied in case of individual borrowers, who have a floating rate of interest applicable on their loan against property. However, corporate entities are still charged a certain fee for prepayment, but it is minimal. Prepaying your loan amount helps to bring down the outstanding principal amount.

Benefits of Prepayment of Loan Against Property
Prepayment of the outstanding amount under Loan Against Property offers various benefits. Some of them are:

  • Reduced loan tenure: Prepayment of the loan helps in reducing the outstanding amount. This feature can be utilised in reducing the loan tenure so that you can get over the liability as soon as possible.

  • Cost-saving on EMIs: Once you have prepaid the loan, the amount to be repaid decreases, thus, the monthly instalments of the loan also go down

  • Reduced interest cost: As part of loan prepayment, you pay the principal amount first, which ultimately reduces the interest amount. This helps to reduce the interest cost

  • Greater ease of loan repayment within stipulated tenure: Repaying your loan borrowed against the property would become easier.

Different lenders have different criteria for the type of property to be accepted against a mortgage loan. However, mostly all financial institutions accept residential, commercial or industrial property. It is important to note that the physical condition and age of the property may affect its acceptance by the financial institution.

Mostly, the tenure of a loan against property goes up to 15 years. However, this may vary from one lender to another.

arrow-upwards