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Kalptarushikha Nidhi Limited LIMITED


About Property Loan

Let your property be a shelter to your dreams. Kalptarushikha Nidhi Limited Limited’s Loan Against Property (LAP) is a multi-purpose loan that can be used for your business or personal needs. Anyone who is the member of Kalptarushikha Nidhi Limited Limited and owns Residential / Commercial property can apply for Loan Against Property (LAP).

Loan against fully constructed, freehold residential and commercial properties.

For meeting personal needs like, acquiring asset, education needs, marriage, personal travel, etc. against the mortgage of residential property / plot acceptable to us.

Min and Max Loan Size:
Every Member can avail loan from ₹1,000 to a maximum of ₹2 Lacs

Loan tenure of up to 7 years.

Interest rates are levied on a daily reducing balance method.

Lowest processing charges.

Quick Processing with Easy and hassle-free documentation.

Simple repayments through monthly instalments.

No prepayment penalties. You can have surplus funds at any time thereby conveniently reducing your loan liability and interest burden.

1Property Value

2Repayment Capacity

3Assets & Liabilities


5Legal & Technical Clearance of Property Title
The above criteria are subject to change from time to time at the sole discretion of Kalptarushikha Nidhi Limited Limited.

We guarantee you that it will be in our safe hands in strong cash safes inside a strong room built as per the standards and specifications applicable to commercial banks

The pledged gold ornaments are also insured for full value

Moreover, security personnel and modern electronic surveillance technology are deployed to protect your beloved gold ornaments.

Security of the loan is a first mortgage of property against which the loan is being advanced and / or any other collateral / interim security as may be required by Kalptarushikha Nidhi Limited Limited.

Loan under LAP should be liquidated before eldest borrower attains the age of 60 years.

For detailed information about Kalptarushikha Nidhi Limited Limited’s products and services kindly visit the nearest Kalptarushikha Nidhi Limited Limited branch.