When in need, let your assets take the hit. Mortgage your valued property with The Kalna Town Credit Co-operative Bank and meet your funding requirements — whether personal or professional — in the simplest way possible.
Unshackle your best funding options with us as we provide you with speedy approvals and a transparent procedure with absolutely no hidden charges. Whether you own a residential, commercial, or industrial property, our Loan Against Property (LAP) scheme is designed to give you maximum value at minimum cost.
KTCCB Loan Against Property is crafted to give you maximum liquidity from your property asset at the most competitive rates, with a borrower-friendly process.
Fund domestic or overseas education expenses for children or self.
Cover critical medical expenses, surgery, or long-term treatment costs.
Invest in working capital, machinery, or business infrastructure.
Renovate, extend, or improve an existing residential property.
Merge high-interest debts into a single, affordable loan.
Strategic financial investments and asset creation.
Our Loan Against Property is available to a wide range of applicants — salaried, self-employed, or business entities — who own a qualifying property.
Permanent government / private-sector employees with minimum 2 years of service and a steady monthly income.
Doctors, CAs, architects, engineers, and consultants with at least 3 years of practice and verifiable income.
Proprietors, partners, or directors with a minimum of 3 years of profitable business and audited financials.
HUF entities with Karta as the primary borrower and clear property title documentation.
Firms with majority partners willing to be co-borrowers and clear business financials.
Spouse, parent, sibling, or child can be added as co-borrower to increase loan eligibility.
Please submit legible, self-attested photocopies of all documents. Originals will be verified at the branch. Incomplete submissions may delay processing.
Interest rates are subject to revision at the discretion of the Board of Directors. Rates below are indicative. Please contact the branch for the latest effective rate.
| Loan Amount Slab | Rate of Interest (p.a.) | Type |
|---|---|---|
| Up to ₹10 Lakh | 9.00% | Reducing Balance |
| ₹10 Lakh – ₹30 Lakh | 9.50% | Reducing Balance |
| Above ₹30 Lakh | 10.00% | Reducing Balance |
| Charge Head | Amount / Rate |
|---|---|
| Processing Fee | 0.50% of sanctioned loan amount (min ₹1,000) |
| Valuation Charges | As per empanelled valuer's fee |
| Legal & Technical Charges | As per actuals |
| Documentation Charges | As per actuals |
| Prepayment Penalty | Nil (own funds) / 2% (refinanced) |
| Stamp Duty & Registration | As per State Govt. norms |
| Property Insurance | Mandatory — with banker's clause |
Get in-principle sanction within 48 hours of complete document submission.
Complete fee transparency — every charge disclosed upfront, no surprises.
End-to-end secure handling of your property documents and personal data.
Market-linked rates reviewed periodically to ensure you always get a fair deal.
A dedicated relationship manager guides you from application to disbursement.
Choose an EMI schedule that suits your cash flow — monthly or quarterly.
Our banking experts are ready to help you choose the right scheme.
