Loan Against Property Features & Benefits

A loan against property or a mortgage loan from Sarvasva Capital is a convenient way to fund your business or meet your personal needs. You can be self-employed or a salaried person to secure a mortgage loan. Sarvasva Capital can help unlock the hidden value in your property to offer you a loan against property. Here are some features.

Loan for all Needs

With the Sarvasva Capital mortgage loan, you can borrow as little as Rs. 5 lakhs to as high as Rs. 30 Lakh. You may seek the loan either to capitalise and boost your business or for your personal purposes.

We consider your property’s market value

Our mortgage loans are designed to unlock the maximum value of your property. You can borrow up to 80% of your property’s market value.

Flexible repayment options

Sarvasva Capital enables you to repay your mortgage loan according to your cash flow and budget so that you are never under pressure of monthly instalments. You can borrow for tenures of as long as 15years and modify your loan tenure to suit your financial situation. We also offer you flexible part prepayment facility to assist you in paying off your loan early.

Loan Options & Benefits

We provide a wide array of loan options for property to our borrowers

Loan Against Residential Property

Our Loan Against Residential Property loan facility can be used to meet all your business expansion, working capital requirements as well as personal needs.

Lease Rental Discounting

Our Lease Rental Discounting facility can be used to meet all your business expansion, working capital requirements as well as personal needs.

Loan Against Commercial Property

Our Loan Against Commercial Property loan facility can be used to meet all your business expansion, working capital requirements as well as personal needs

Property Term Loans

Our property term loan facility can be used to meet all your business expansion and working capital requirements, so that you can run your business smoothly.

Commercial Property Purchase Loan

Our Commercial Property Purchase Loan facility enables you to purchase properties such as office spaces, shops, clinics and other business establishments.

We provide products which are tailored to meet your requirements; in addition, insurance options for property are available at competitive and attractive premiums from Sarvasva Capital.

Loan Against Property Eligibility Criteria

Sarvasva Capital offers loan against property to individuals and businesses. In order to establish if you meet our loan against property eligibility, we have stipulated simple parameters. You can get a loan against property for business in order to expand capacity or for meeting capital needs of your enterprise. Here are some basic eligibility criteria.

    • Salaried and Self Employed Professionals

    • Sole Proprietors, Partnership Firms, LLP and Private Limited Co.

    • Minimum age requirement is 23 years at the time of taking the loan and maximum 70 years or retirement at the time of maturity

    • Good credit rating score in credit bureau

    • Minimum 2 years in business in an industry with a positive net worth (for Self-employed) or 5 years’ work experience (for salaried individuals)

    • Micro, Small and Medium Enterprises

    • Clean record in terms of past loans and statutory payments.

Loan Against Property EMI Calcuator

Just input the loan amount, the interest rate and tenure, and you can find out the instalment amount instantly. Sarvasva Capital loan against property calculator is the simplest way there is to know your EMI amount on your LAP.

Apply For Loan Against Property

Loan Against

Property Online

You can apply for Capital First’s loan against property online. Just fill up the simple application form on our website to get started.

Interaction with

Relationship Manager

Once you apply for a mortgage loan through our website, we will verify the same and schedule a personal discussion to know your requirement in detail.


Post receiving your application for loan against property and having a personal discussion, we will inspect the property.

Unlock the capital

in your property

On processing your loan application, we will disburse your loan amount through a direct credit into your bank account.

Loan Against Property Documents

The documents required to apply for Sarvasva Capital loan against property are easy to obtain. It’s best to gather all loan against property documents before you submit your loan request. Indicated below is the list of documents required to avail a loan against property.

Photo Identity Proof ( Self-attested copy of any one document* )


Pan Card

Voter Identity card

Driving License

Address Proof ( Self-attested copy of any one document* )


Bank Account Statement

Aadhaar Card

Driving License

Electricity Bill

Telephone Bill



Property Document ( Self-attested copy of any one document* )


Copy of original sale deed

Allotment-possession letter

NOC from Society




Income Proof (Self-attested copy of any one document*)

Latest ITR

Latest salary slip/certificate

Latest Audited Financials

Shop Act License/MOA & AOA/Sales TaxNat registration I Partnership Deed

Latest form 16

Bank details with last 6 months salary credited


Business Proof -Qualification Certificate/Certificate of Practice(COP)

*Requirement of loan against land documents might vary according to the scheme chosen. Sarvasva Capital may require additional loan against property documents which will be intimated to you while processing your application.

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