• How do I apply for a Loan against Property?
      You can apply for a Loan Against property in the following ways:
      • Online Application Form and our representative will get in touch with you.
      • Call on one of our customer care number- 39401616 / 66011616, add city code before number
      • Write to us at sme.customercare@sc.com
      • Visit your nearest SCB Bank branch
      • If you are a Liability customers you may also get in touch with your Relationship Managers to know more and apply for a LAP
    • What is the interest rate on the facility?
      • We offer both attractive variable as well as semi fixed interest rates on the facility depending on loan amount, credit assessment and other parameters.
      • Pricing Grid:
      Pricing Grid
      Product ROI
      LAP 10.8%
      Benefits for priority sector qualified cases
      Processing fee: for details, refer to the schedule of charges
      *Special benefits on Semi Fixed Pricing
      Terms and conditions apply.
      *The above rates are subject to revision from time to time and at the discretion of Standard Chartered Bank.
      *Special benefits on Semi Fixed Pricing
      Terms and conditions apply.
      *The above rates are subject to revision from time to time and at the discretion of Standard Chartered Bank.
    • What are the different types of programs / products**?
      We offer:
      • Loan against multiple property type residential - self occupied or rented as well as commercial property- premise or a shop
      • Loan for commercial purchase
      • The above variants can be taken as a normal LAP term loan or as a LAP saver facility
    • When can I avail for a line increase on my existing loan?
      • Incremental funding option post 6 months of clean repayment
    • What are the benefits of taking a LAP from Standard Chartered Business Banking?
      We offer:
      • Attractive semi fixed/variable interest rate, multiple property type loan against property (residential- self occupied or rented /commercial –premise or a shop)
      • Attractive loan variants having substantial interest saving option -LAP savers
      • Opportunity to avail gamut of offerings to SMEs i.e. Business Banking products, Trade & Working Capital solutions, Forex and Cash Management offerings
    • Rating parameters of the bank’s credit risk models:
      Internal rating scorecard is used for selecting eligible customers. It is based on a combination of parameters:
      • Loan Repayment Track
      • Credit Performance / Credit Bureau Update
      • Debt servicing ability of the customer
      • Business Vintage
      • Financial Ratios
      • Existing Relationship
      • For whom is the Loan Against Property useful?
        • Sole proprietors / proprietorship firms
        • Partnership firmst
        • Private-limited companies
        • Closely-held and public-limited companies
      • What is the maximum tenure of the loan?
        The maximum tenure for which you can avail the facility is up to 20 years?
      • What do I need to give as security?
        We accept both residential and commercial property as security. No plot or under construction properties will be allowed
      • Can I prepay my loan?
        Pre-payment is not permitted in the first 12 months of the loan. You can pre-pay your loan with pre-closure charges of 2% of the outstanding at the time of closure (service tax will apply additionally)
      • Can I part prepay my loan?
        You can part prepay your loan with pre-closure charges of 2% of the amount being part prepaid (service tax will apply additionally)
      • What are the basic documents required for applying for the facility?
        • Bank statements for the last 6 months
        • 2-year financials including Profit & Loss (P&L) statement, balance sheet and income tax returns
        • Documents related to establishment of entity, identity and address proof documents
        • Specific details would be provided by the sales officer
      • What is the turnaround time for the disbursal, decisioning of the loan?
        • Decisioning of the loan may take a minimum of 7 working days to process once all requirements as required by the Bank are completed.
        • Disbursal of the loan will take a minimum of 5 working days from the time of submission of loan related documents as requested by the bank.

Loan Tools

Get in touch

Alternatively, please complete our contact form and we will be in touch as soon as possible

Get in touch

Call us

Reach us at our 24 hour phone banking hotlines.
Call us »

Locate Us

We have Business Banking Service Centres all over India.
Find a Branch »

Back to Top

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.