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MAHA LAP – Mortgage Loan

ParticularsScheme Guidelines

Name of the Scheme

MAHA LAP – Mortgage Loan

Target Group

Traders, Manufactures, Businessman and Professionals engaged in trading, manufacturing or rendering services activity.

Nature of Facility

  1. Fund Based: Term Loan or Drop-line Overdraft Facility.
  2. Non-fund facility: May also be considered as part of total facilities sanctioned.  

Eligible Entities

Individuals, Sole Proprietorship, Partnership Firms, HUFs, Company, LLP, engaged in trading, manufacturing/processing or rendering service activity

Margin [LTV%]

Minimum margin shall be 50% on the realizable value of the property [LTV of 50%].


  • The minimum quantum of credit facility: Rs.10.00 Lakh.
  • The maximum quantum of credit facility: Rs.20.00 Crore
  • The maximum quantum of non-fund facility: Rs.10.00 Crore

Rate of Interest

RLLR based


Primary security under this scheme will be immovable property (compliant under SARFAESI Act)


  • upto Rs.5.00 crore: Maximum repayment period of 7 years.
  • above Rs.5.00 crore: Maximum repayment period of 10 years.

Processing Fees/documentation and other charges

As per extant service charges guidelines.

Note: Please visit your nearby branch for detailed information.