Secured · Against property you own
Loan Against Propertythe value of what you already own.
For owners of residential or commercial property who need a larger amount over a longer tenure — for business, education, a family need or to replace costlier debt. We read your income and the property together.
Shubhdhanam is a loan distribution firm (DSA).
Who it suits
Made for moments like these.
Grow your business
Expansion, working capital or a new unit, on secured terms.
Children's education
Fees for higher studies in India or abroad.
Replace costlier debt
Bring personal and business loans into one secured EMI.
Balance transfer & top-up
Move a running property loan, with a top-up if eligible.
What lenders look at
Four things decide your file.
We check all four before your file goes anywhere — so it reaches a lender whose policy fits.
- 01
Income & its stability
Your salary or business income, and how steadily it reaches your bank account.
- 02
Running EMIs
How much of your income already goes to EMIs. The lower it is, the more room a lender sees.
- 03
Credit report
Your repayment history and how many loans you have applied for recently.
- 04
The property
Ownership, clear title, approvals and the lender's own valuation.
How we work
From first call to disbursal.
- 1
Tell us your need
Share the loan you need, your income type and your city. Ten minutes on a call or WhatsApp is enough to begin.
- 2
We match lenders
We read your profile against the credit policies of banks and NBFCs and shortlist only the ones likely to say yes.
- 3
A complete file
We collect documents once, check them, and present the file the way a credit manager wants to read it.
- 4
Sanction and disbursal
The lender sanctions, you sign, funds reach your account. You get updates at every step, and we stay after the loan too.
Documents
Your papers, in one list.
Documents lenders usually ask for. The final list depends on the lender's policy.
- PAN card
- Aadhaar card
- Recent passport-size photo
- Current address proof
- Recent salary slips
- Salary-account bank statements
- Form 16 or ITR, if the lender asks
- Business proof — GST, Udyam or shop licence
- ITR with computation of income, balance sheet and P&L
- Business bank statements
- Office or shop address proof
Extra papers for a loan against property
- Property papers — title chain, approved plan and latest property-tax receipt
- Statement of any existing loan on the property
- Balance transfer — sanction letter and latest statement of the running loan
Shubh Tools · Karz-Mukti Time Machine
Not sure yet? Start with a free tool.
Plan your prepayments before you borrow — see how an extra amount now and then can save interest and close your loan sooner.
Questions
Straight answers.
Can I keep living in or using the property?
Yes. The property stays with you and you keep using it. The lender records its charge on the property until the loan is repaid.
Which properties are accepted?
Usually residential and commercial property with clear title and approvals. Each lender has its own list of accepted property types and locations — we check this first.
How much can I get, and at what rate?
It depends on each lender's policy — your income, existing EMIs, credit report and the lender's valuation of the property. On the first call we tell you which lenders your profile fits; the final amount and rate are stated in the lender's sanction letter.
Does talking to you affect my CIBIL score?
No. A conversation with us doesn't pull your credit report. A lender checks your report only when you formally apply, with your consent — which is why we shortlist the right lender first.
Will you ask me for money, an OTP or a password?
Never an advance fee, never an OTP, never a password. If anyone asks for these in Shubhdhanam's name, it isn't us — please call us on +91 91721 34844 / +91 22 4515 3011. Any lender charges are stated in the sanction letter.
Request a call back
Tell us a little. We call you back.
Fraud warning
Shubhdhanam never asks for an advance fee, OTP or password. Our team calls only from the numbers on this page. Never pay anyone in cash or into a personal account in our name.
Shubhdhanam is a loan distribution firm (DSA).
Ready when you are.
One call or one WhatsApp message. One person handles your file from the first call to disbursal.
Office landline: +91 22 4515 3011
Other loans
Loans are sanctioned and disbursed by banks and NBFCs at their sole discretion. Amount, rate and tenure depend on each lender's policy and are stated in the sanction letter.