MAM
Loan Against Property – A Practical Way to Unlock the Value of What You Own
You may need sizeable funds to scale a business, renovate your home, or consolidate existing liabilities. In such situations, selling assets may not always be the preferred option. This is where a loan against property can offer a practical alternative. By leveraging the value of a property you already own, you can access substantial funds while continuing to retain ownership of the asset.
What Is a Loan Against Property
A loan against property is a secured loan in which a residential or commercial property is mortgaged in favour of the lender. The loan amount sanctioned is based on the market value of the property and your financial and personal profile.
Why Borrowers Choose a Loan Against Property
One of the primary reasons borrowers opt for a loan against property is feasibility. Compared to personal loans, loan against property interest rates are usually more competitive due to the presence of collateral. This makes it suitable for larger funding requirements where lower interest outgo can make a meaningful difference over time.
Another advantage lies in flexibility. Funds raised through this route can be used for purposes such as housing expenses, business expenses and more, depending on lender policies, making it a versatile financing option for both planned and urgent needs.
Using a Loan Against Property EMI Calculator
A loan against property EMI calculator can help you estimate monthly instalments by factoring in the loan amount, applicable interest rate, and chosen tenure.
By adjusting these inputs, borrowers can explore different repayment scenarios and identify an option that fits comfortably within their income and long-term financial plans. Many calculators also provide an amortisation schedule, showing how each EMI is divided between principal and interest over time.
Applying Loan Against Property Online
With digitisation, it has become easier to apply for a loan against property online. The process is designed to be convenient and transparent, allowing borrowers to initiate applications from anywhere.
Typically, the process begins with checking eligibility and estimating EMIs using online tools. This is followed by submitting personal, financial, and property details through a digital application form. Required documents are shared for verification, after which the lender carries out a credit assessment and property valuation. Once approved, the sanctioned amount is disbursed as per agreed terms.
A loan against property can help you meet urgent business or housing requirements. Understanding loan against property interest rates, using an EMI calculator, and reviewing the eligibility criteria can help you avail of it easily.
With thoughtful planning, a loan against property can fund your long-term goals while retaining your ownership.
Brands
TCS proposes Rs 31 dividend as Q4 results reflect steady profit growth
Tech giant recommends final payout following a year of steady growth and expansion
MUMBAI: Tata Consultancy Services Limited has signalled its confidence in the digital future by recommending a final dividend of Rs 31 per share. The payout, which remains subject to shareholder approval at the upcoming annual general meeting, caps off a year of significant activity for the global IT services leader.
The company reported a consolidated revenue from operations of Rs 267,021 crore for the year ended 31 March 2026, representing a steady increase from the Rs 255,324 crore recorded in the previous financial year. Net profit for the period also saw an uptick, reaching Rs 49,454 crore compared to Rs 48,797 crore twelve months prior.
Growth was visible across several key sectors, with banking, financial services, and insurance remaining the company’s largest revenue generator, contributing Rs 103,363 crore to the annual total. Despite the positive trajectory, the firm navigated some financial headwinds, including a one-off provision of Rs 1,010 crore related to a legal claim and Rs 1,388 crore in restructuring expenses.
The year was also defined by a flurry of international expansion. The group successfully integrated several new entities, including the acquisition of Coastal Cloud Holdings, LLC in January 2026 and the incorporation of new subsidiaries in Morocco and Saudi Arabia.
With its global footprint expanding and a healthy dividend on the horizon, the firm appears well-positioned to maintain its momentum in the competitive tech landscape.
