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Get loan against property to finance your business needs.

Clothing, Apparel, Sleeve
Clothing, Apparel, Sleeve

Get loan against property to finance your business needs.

Fees and rates

Schedule of charges

Loan against property

Get a property backed term loan up to INR 20 Crores to fuel your business aspirations.



Straight2Bank (S2B) is a fully-integrated internet banking platform that allows you to perform all your transaction and view all banking information.

Reach us

You can contact us via our 24×7 phone banking helpline and our wide network of branches.

Service centers

Call, write or SMS us to reach our SME banking service centres.

Eligibility and documents


  • Minimum 3 years of business operation
  • Minimum annual turnover of INR 100 lakhs for entity
  • Sole Proprietorship entity
  • Partnership firm (Including Limited Liability Partnership firms)
  • Private Limited Companies(including closely held limited companies)
  • Entity should have profitable business

Documents required

  • Bank statements for the last 6 months.
  • 2-year financials including Profit and 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.


  • 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 Standard Chartered branch.
    • If you are a liability customer you may also get in touch with your relationship managers to know more and apply for a LAP.
  • 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.
  • Incremental funding option post 6 months of clean repayment.

  • 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 and working capital solutions, Forex and cash management offerings.
    • 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.
    • Sole proprietors / proprietorship firms.
    • Partnership firms.
    • Private-limited companies.
    • Closely-held and public-limited companies
  • The maximum tenure for which you can avail the facility is up to 20 years.

    • We accept both residential and commercial property as security.
    • No plot or under construction properties will be allowed.
    • Pre-payment is not permitted in the first 6 months of the loan.
    • You can pre-pay your loan with pre-closure charges of 4% of the outstanding within 24 months of on boarding, 2% between 25 to 60 months of on boarding and 0% post 60 months of on boarding (GST will apply additionally).
  • You can part prepay your loan with pre-closure charges of 4% of the amount being part prepaid (GST will apply additionally).

    • 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.

Terms and conditions