Security Notice

Zero Upfront Fee Policy.

We facilitate loans through legitimate channels. We never ask for processing fees, insurance charges, or verification fees before sanction.

Protect yourself from imposters posing as agents. Verify all requests with our official desk.

Apply Fraud Recovery

Secured Capital

Secured Business Loans

Unlock the true potential of your real estate assets. Raise substantial capital at lower interest rates to fuel your large-scale ambitions.

Check LTV View Features

Loans up to ₹25 Cr Tenure up to 15 Years Overdraft Facility

Leverage Your Assets

When your business needs significant capital, unsecured loans may not suffice. Secured Business Loans (Loan Against Property) allow you to mortgage your residential, commercial, or industrial property to access high-value funds.

Vardhman Finance offers customized secured lending solutions. Whether you want to consolidate high-cost debts, buy new machinery, or construct a warehouse, our LAP product offers the dual benefit of lower EMIs (due to longer tenure) and competitive interest rates.

Acceptable Collateral:

Residential: Self-occupied or rented houses/flats.
Commercial: Offices, shops, and showrooms.
Industrial: Factories and warehouses (in approved zones).
Plots: Commercial or residential plots within municipal limits.

Why This Loan Works

Smart, long-term capital for established businesses.

Lower Interest

Secured loans come with rates significantly lower than unsecured business loans, saving you money.

Long Tenure

Repayment options up to 15 years ensure your cash flow isn't squeezed by heavy monthly EMIs.

Drop-Line OD

Opt for an Overdraft facility where the limit reduces monthly, combining flexibility with discipline.

Balance Transfer

Transfer your existing LAP to us for a top-up loan and reduced interest rates.

Eligibility Criteria

Entity Type

Proprietorship, Partnership, LLP, or Pvt Ltd Company.

Vintage

Minimum 3 years in the same line of business.

Profitability

Cash profit in the last 2 financial years.

Property

Clear marketable title with approved maps and paid taxes.

Documents Required

Property Papers Complete chain of title deeds, Sanction plan, Occupancy certificate.
Financials 3 years Audited Financials, ITR, and GST Returns.
Business Proof MOA/AOA, Partnership Deed, Gumasta License.
Bank Statements Latest 12 months statements of all current/CC/OD accounts.

Interest Rates & LTV

Transparent terms for secured lending.

Charge Type	Details
Interest Rate (Floating)	9.00% - 11.50% p.a.
LTV (Residential)	Up to 75% of Market Value
LTV (Commercial)	Up to 65% of Market Value
Processing Fee	1.00% of Loan Amount + GST
Pre-payment Charges	Nil for Individual borrowers (Floating Rate). 2-4% for Companies.

Structured Process

Thorough yet efficient.

Apply

Provide business and property details.

Valuation

Technical and Legal assessment of the property.

Sanction

Approval of loan amount based on LTV and income.

Mortgage

Registration of mortgage and disbursal of funds.

The Vardhman Advantage

We understand that properties in India often have complex titles. Our legal experts work with you to mitigate risks rather than rejecting applications outright.

Lease Rental Discounting

Special schemes for properties earning rental income.

OD Facility

Pay interest only on the utilized amount with our OD limit.

Frequently Asked Questions

Can I get a loan on a residential property used for business?

Yes, you can mortgage a residential property to fund your business needs. The end-use of funds should be legitimate business expansion.

What is the maximum loan tenure?

We offer tenures up to 15 years, depending on the age of the borrower and the residual life of the property.

Do you fund industrial properties?

Yes, industrial sheds, factories, and warehouses located in approved industrial zones are accepted as collateral.