inquiry@purefinance.in
+91 93250 05231

Welcome to RKPF

“Get Your Loan Against Property – With Minimal Paperwork and Maximum Trust”.

“Leverage your property to access high-value funds for business or personal needs — with fast approvals, flexible repayment, and complete transparency.”

About Loan Against Property.

Your property can do more than just stand as an asset — it can power your growth. RKPF’s Loan Against Property (LAP) allows you to raise funds by mortgaging your residential, commercial, or industrial property — without selling it.
Whether you’re looking to meet business expansion needs, consolidate debt, or fund personal goals. Enjoy quick processing, flexible tenures, and transparent terms — all backed by RKPF’s trusted financial expertise.
Apply for loan
Check eligibility

Key Features.

  • Attractive Interest Rates:
    Enjoy competitive interest rates starting at just 15% p.a., making your LAP more affordable than most unsecured loans.
  • Flexible Repayment Options:
    Choose loan tenures up to 10 years with easy EMIs. You can make part-prepayments or full prepayment anytime, with a nominal 4% charge as per policy.
  • High Loan Amounts:
    Avail up to 75% of your property’s value, ensuring access to substantial funds when you need them most.
  • Retain Property Ownership:
    Continue to own and occupy your property while enjoying the loan benefits — no disruption to your lifestyle or business.
  • No Usage Restrictions:
    Use your LAP funds for business expansion, debt consolidation, Inventory funding or personal needs — the choice is yours.
  • Balance Transfer Facility:
    Transfer your existing LAP from another lender to RKPF for better rates, lower EMIs, and improved flexibility.
  • Top-Up Loan Option:
    Need more funds? Top up your existing LAP quickly without extensive documentation or property revaluation.

Who Can Benefit.

  • 1. Self-Employed Professionals
    Doctors, architects, chartered accountants, and consultants seeking funds for expansion or working capital.
  • 2. Business Owners & Entrepreneurs:
    Those looking to grow or stabilize their businesses using property as collateral.
  • 3. Property Owners:
    Individuals owning residential, commercial, or industrial property who want to unlock its value.
  • 4.Borrowers with Existing Loans:
    Customers wanting to transfer their existing LAP to RKPF for better interest rates or take a top-up loan on the same property.
  • 5. Individuals with High-Value Needs
    For education, marriage, debt consolidation, or major personal expenses.

Eligibility Criteria

General Information
  • Age: 25 to 65 years (at the time of loan maturity)
  • Ownership: Must own the property offered as security
  • Business Stability: Business should be active for at least 1 year
  • Income Requirement: Must have stable income or healthy business turnover
Documents Required
  • Identity Proof : Aadhaar Card, PAN Card, Passport, or Voter ID
  • Address Proof: Aadhaar Card, Utility Bill, Passport, or Driving License
  • Business Proof: GST certificate, business registration, partnership deed (if applicable)
  • Income Proof: ITR for last 2 years / bank statements (last 6 months)
  • Property Documents: Sale deed, title deed, property tax receipts, approved building plan

Frequently Asked Questions (FAQs) .

  • What is a Loan Against Property (LAP)?
    A secured loan where you mortgage your property to raise funds for business or personal use.
  • Who can apply for a LAP?
    Self-employed individuals, business owners, and professionals who own property can apply.
  • What types of properties are eligible?
    Residential, commercial, or industrial properties with clear ownership and valid documentation are accepted.
  • How much loan amount can I get?
    You can get up to 75% of your property’s market value, depending on eligibility and valuation.
  • How long does it take for approval and disbursal?
    For complete and accurate documents, in-principle approval and documentation can be completed within 1 day, and funds are disbursed within 2 working days.
  • What is the interest rate for LAP?
    Interest rates start from 15% p.a., subject to eligibility and property profile.
  • Can I continue using my property after taking the loan?
    Yes, you retain ownership and can continue using or residing in the property during the loan tenure.
  • What is the tenure of a Loan Against Property and Can I repay the loan early?
    The maximum tenure is up to 10 years based on borrower profile and repayment capacity and also you can prepay your loan partly or fully anytime, with a nominal 4% prepayment charge as per policy.
  • Is there a processing fee?
    Yes, a processing fee of 1.25% applies, with an upfront ₹5,000 (adjusted against the total fee).
  • What is the minimum and maximum loan amount offered?
    You can avail a minimum loan of ₹25 lakhs and a maximum of up to ₹1.5 crore, depending on the property value and eligibility.
  • Can I transfer my existing LAP from another lender?
    Yes, RKPF offers Balance Transfer with lower rates and better repayment flexibility.
  • Can I apply for a Top-Up Loan?
    Yes, existing LAP customers can get a Top-Up Loan for additional financial needs without fresh property evaluation.

Unlock the power of your property today — get quick funds, flexible repayment, and transparent LAP solutions with RKPF

Apply for loan

© Copyright 2025 by RKPF