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Loan Against Property (LAP) - Overview

The 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.

From Orange Retail Finance, We Provide Loan Against Properties (LAP) Loan to Employee and Self-Employed (MSME’s).

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 Micro Loan against Property today.

Features and Benefits


Pre-sanction Documents

1) Application Form 

2) KYC

3) Photographs

4) Proof of ownership documents

5) Business Proof / YIB

6) Income documents

7) Bank Statement

8) Documentation pertaining to the property offered as collateral

9) IMD fee cheque

Post-Sanction Documents

1) Loan Agreement: Loan Agreement duly signed by applicant / co-applicants.

2) Repayment Instrument: ACH / NACH

3) Original Property document (Regd. Sale deed / Title deeds/ Patta / Allotment letter (Housing or Govt. Authorised Body), EC, Building plant, Property Tax receipt, Patta, Chitta, etc.

4) MOD with the Latest EC






Applicant and Co-applicant Age

Minimum – 25

Max - 65



Mandatory (Blood Relationship only allowed)


Business Segment

Self Employed Individual and partnership firms


Target Segment (Residential Indians only)

Self-employed professionals (SEPs) and Non-Professionals (SENPs)

Individuals/Proprietorship and partnership firms will fall under this category

Small Pvt limited companies allowed under an exception


Loan Amount

Minimum – INR 1 lac & Maximum Rs. 10 Lacs


Loan Tenor

Minimum 12 Months & Maximum 84 Months


Document Requirement


For Individual / Partnership Firm / Company

Identity Proof – Any one (e.g. Voter ID / Driving License / Passport)

Address Proof – Any one (e.g. Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)

Business Continuity Proof – Any one document dated 2 years old (Bank Statement / GST Challans / IT Returns / Shops & Est. Certificate / Partnership Deed)

Passport Size Photographs

2. Proof of ownership documents, Business Proof, 

3. Income documents,

4. Bank Statement

5. Documentation pertaining to the property offered as collateral (including Encumbrance certificate for last 13 yrs, Title deed copies, Prior title deed copies wherever applicable, Latest Property tax receipt).



The rates, fees, as stated hereinabove, are subject to changes/ revision from time to time at the sole discretion of Orange Retail Finance.

This is an indicative list only. Additional documents may be asked for on a case-to-case basis.


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