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Why Choose a Loan Against Assets with Finxprt?
We go beyond just finding you a loan. We ensure you get the best possible deal.
Lower interest rates than unsecured loans
Expert guidance for salaried, self-employed & NRIs
Flexible tenure up to 15 years
Quick approval & transparent process
What is a Loan Against Assets?
A Loan Against Assets (LAA) allows you to borrow by pledging your owned assets like property, gold, securities, insurance policies, or fixed deposits. Since these are secured loans, interest rates are significantly lower, and approval is faster compared to unsecured loans.
Types of Loan Against Assets We Offer
Not every Loan Against Assets is the same. At Finxprt Financial Services, we help you find the right type of loan against assets based on your needs, profession, and financial situation. Explore the options below:
Loan Against Property
(Residential/Commercial)
Lease Rental Discounting (LRD)
Convert future rental receivables from a leased commercial property into immediate cash flow by pledging the rental contract.
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Typical Loan: based on discounted value of future rentals (often 60%–80% of discounted rental receivables).
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Tenure: usually aligned with lease term; commonly 1–5 years or longer depending on contract.
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Use-case: working capital, expansion, paying suppliers.
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Eligibility: owner of leased commercial property with registered lease agreement and creditworthy tenant.
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Processing: requires verified rent agreements and tenant/payment history.
Loan Against Securities
(Shares / Mutual Funds / Bonds)
Use your listed securities or mutual fund holdings as collateral while continuing to earn dividends/returns. Good for short-term liquidity without selling investments.
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Margin/LTV: depends on security type—typically 30%–80% (equities lower LTV, some MF types higher).
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Tenure: short to medium term (flexible as per lender).
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Benefit: you retain ownership and market upside; no need to liquidate assets.
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Processing: requires demat account linkage or pledge of holdings.
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Risk: market volatility can trigger margin calls.
Loan Against Vehicle
(Car / Commercial Vehicle)
Hypothecate your vehicle to avail funds while continuing to use the vehicle for personal or commercial purposes.
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Loan amount: depends on vehicle age, model, and residual value (used vehicles get lower LTV).
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Tenure: typically 1–5 years for personal/commercial vehicle finance.
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Processing: valuation, RC book, insurance, KYC required.
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Use-case: business cash flow, emergency funds, working capital for transport businesses.
Still not sure which Loan Against Assets suits you best?
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Frequently Asked Questions on Types of Loan Against Assets
Q: What documents are required for LAP?
KYC (PAN/Aadhaar), property title deed, approved plan, sale deed, recent property tax receipts, bank statements, and income proof.
Q: How long does LAP approval take?
Typically 7–21 working days (depends on valuation, legal clearances and lender).
Q: Can I continue using my property after pledging it?
Yes — LAP is secured by mortgage; you retain possession unless foreclosure occurs.
Q: Who is eligible for LRD?
Property owners with a valid registered lease agreement and stable tenant occupancy.
Q: How fast is disbursal for LRD?
Typically 7–14 days after document verification and rent assignment formalities.
Q: Will I lose dividends/returns if I pledge securities?
Generally no — you continue to receive dividends/interest unless contract specifies otherwise, but check lender terms.
Q: What happens if market value drops?
Lenders may request additional margin or partial repayment (margin call) to maintain LTV.
Q: Can I keep using the vehicle after pledging it?
Yes — vehicle is hypothecated; you retain possession subject to loan terms.
Q: Are used vehicles eligible?
Yes — many lenders finance used vehicles though the LTV and tenure are lower than for new vehicles.
Who Can Apply for a Loan Against Assets?
To qualify for a loan against assets, you typically need to meet the following conditions
Even if your credit score is lower, Finxprt helps you find banks that best match your profile.
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Ownership of asset (property, gold, FD, etc.)
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Stable income & repayment capacity
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Age: 21–65 years
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Salaried individuals
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Self-employed professionals
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Business owners
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NRIs (for LAP & NRI schemes)
Documents Needed for a Loan Against Assets
Keep these documents handy for faster approvals
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Identity Proof (Aadhaar, PAN, Passport)
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Address Proof
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Income Proof (ITR, salary slips, bank statements)
Asset ownership documents:
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Property papers, Registered lease/rental agreement, Rent receipts (For Loan Against Property)
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Demat account statement (for shares/bonds)
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Mutual Fund statement (from AMC or CAMS/KFintech)
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NSDL/CDSL holding statement
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RC Book, Insurance policy (valid comprehensive insurance), PUC certificate (if applicable), Invoice copy (for new vehicle)
How Finxprt Gets Your Loan Approved
Your Loan Journey Made Simple
Tell Us Your Requirement
Share your loan need (personal, home, business, or more) with just a few details.
Submit Basic Documents
Provide your financial documents securely so we can assess eligibility.
Compare the Best Bank Offers
We evaluate and shortlist multiple lenders to bring you only the most suitable options.
Get Fast Loan Approval
Transparent process with zero hidden charges – quick approvals made hassle-free.
Instant Disbursal
Once approved, the loan amount is credited directly to your bank account.
That’s it! No running around banks, no confusion.
Finxprt does all the heavy lifting while you get the loan you deserve.
Apply Now – Start Your Loan Journey
The Finxprt Advantage
Why Choose Finxprt for Your Loan Against Assets?
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Compare offers from 70+ banks & NBFCs
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Faster approval with minimal paperwork
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End-to-end support till disbursal
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100% transparent process – no hidden charges
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RBI-compliant trusted lending partners
Finxprt is your reliable partner for stress-free loan approvals.
Loan Against Assets EMI Calculator
Estimate your monthly EMIs instantly. Enter your loan amount, interest rate, and tenure to find the perfect repayment plan.
Frequently Asked Questions on Loan Against Assets
Q1. What is a Loan Against Assets?
A Loan Against Assets is a secured loan where you pledge your property, securities, gold, or vehicles as collateral. Since it’s backed by an asset, interest rates are usually lower than unsecured loans, and approval is faster.
Q2. What documents are required for Lease Rental Discounting (LRD)?
You’ll need: KYC documents (PAN, Aadhaar, ID proof), Property ownership documents, Registered lease agreement with tenant, Rent receipts or bank credit proof of rent, Latest property tax receipts
Tenant’s KYC (if corporate tenant)
Q3. What documents are required for a Loan Against Securities?
You’ll need: KYC documents (PAN, Aadhaar, ID proof), Demat account or mutual fund statements, Pledge request form (as per lender), Recent bank statements, Income proof is often optional since securities are the collateral.
Q4. Can I get a loan against my car or commercial vehicle?
Yes. Many banks/NBFCs allow this. Required documents include: KYC documents (PAN, Aadhaar), Vehicle RC Book, Valid insurance policy, PUC certificate, Latest bank statements
Q5. Why choose Finxprt for Loan Against Assets?
We compare offers from 80+ banks & NBFCs
Get lower interest rates & flexible terms
End-to-end documentation support
Quick approval and faster disbursal
100% transparent process with no hidden charges
Let’s Talk Finance!
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