Micro LAP

Loan Against Property for small businesses and self-employed individuals.

The problem

A micro-enterprise that has outgrown group loans needs larger, longer capital — but banks find these tickets too small and the paperwork too thin. The asset the family does own, their property, sits unused as collateral.

Our answer

DJT Microfinance Pvt. Ltd. is proud to offer Micro LAP (Loan Against Property) — a secured loan solution tailored for small business owners, self-employed individuals, and families. With our deep understanding of grassroots financial needs, we offer accessible, transparent, and flexible credit options to help you unlock the value of your property.

Who it serves

Small business owners seeking funds against property
Self-employed individuals aged 18–60 (salaried) or 18–65 (self-employed)
Families seeking to unlock value from self-occupied property
Entrepreneurs needing larger capital beyond group loan limits

How it works

Three steps. No surprises.

Apply with minimal documentation

Basic KYC documents and property papers. Quick loan approval with simple eligibility checks and hassle-free disbursal.

Property valuation

Independent valuation and title verification of the property offered as security, with transparent process and complete customer support.

Sanction and disburse

Loan sanctioned with competitive interest rates, flexible tenure options to suit your repayment capacity, and lower EMIs with affordable interest structure.

Eligibility

Salaried: Age 18 to 60 years
Self Employed: Age 18 to 65 years
Assessment based only
Property papers required for verification
Income proof if applicable

Indicative terms

Ticket size: ₹1,00,000 – ₹7,50,000
Tenure: 24 – 84 months
Repayment: Monthly EMI
Security: Mortgage of property
Pricing: Competitive interest rates — as per our Interest Rate Policy

Verify with your nearest branch for current rates and terms.

Micro LAP Secured Portfolio Metrics

Active Loans

620

Active Customers: 580

Portfolio Amount

₹28,50,00,000

Disbursement: ₹27,80,00,000

Avg. Ticket Size

₹4,50,000

Property-backed capital

Max LTV Permitted

60%

Avg Rate: 18.50%

Collateral & Portfolio Overview

Security & Collateral Type

Residential & Commercial Property Mortgage

Verified title deeds & independent technical valuation.

Closed Loans & Returns

42 Closed Loans (₹1,89,00,000)

Strong repayment performance across secured micro-enterprises.

Ready to Unlock Your Property's Value?

Take the first step towards financial freedom with our Micro LAP solution.

Apply for Loan Today