A Loan Against Property is a secured loan where you borrow against a residential, commercial, or industrial property you own, while continuing to use it. The property is pledged as collateral, which is why LAP typically offers larger loan amounts and longer tenures than an unsecured loan. Funds can be used for business expansion, working capital, or other financial needs.

Set your loan amount, tenure, and interest rate using the sliders or by typing a value. The calculator instantly applies the reducing-balance EMI formula and shows your monthly EMI, total interest, total amount payable, and a year-wise repayment schedule. Adjust any input to compare scenarios before you apply.

Protium offers a loan of up to 80% of your property’s value. The exact amount depends on the property valuation, your business profile, and your eligibility. Final terms are confirmed during the application and sanction process.

Protium’s LAP is designed for self-employed professionals and business owners — including traders, manufacturers, distributors, wholesalers, and service providers — whose business has been operational and active for at least 3 years.

No. The interest rate in the calculator is indicative and adjustable for planning. Protium’s actual rate is competitive and varies based on your loan amount, tenure, and applicant profile, and is confirmed at the time of sanction.

Yes. Protium offers a balance transfer facility to move your existing loan for a higher amount and attractive interest rates, and existing customers can avail a top-up loan based on current criteria. The EMI shown here reflects only principal and interest — processing fees, taxes, and other charges are shared during sanction.