Home
Loans
Investments
Insurance
Payments
Cards
Download ABCD

Scan to Download the App

Playstore
Appstore
1800-270-7000

Aditya Birla Housing Finance Limited

ABC Solutions

Micro LAP

Introducing Micro-LAP Seize New Opportunities with Quick and Easy Financing!

Home Loan EMI Calculator

ROI ranges from 8.6 to 20

Your EMI is

  • ₹
  • /Month

Check out the loan amount you are eligible for

Calculate Eligibility

Apply for Micro LAP

No matter if you're an owner of a Kirana shop, Tea Stall, Food Joint, or an entrepreneur. Your property holds the potential to unlock financial opportunities. With our Micro Loan Against Property, you can access the funds you need to fuel your ambitions. Take the leap toward your dreams and apply now! Loans up to Rs.75 Lacs without ITR proof

Key Benefits of Micro LAP

  • Icon

    No ITR Proof required

  • Icon

    Loan up to Rs. 75 Lacs

  • Loan Tenure-Up to 240 months Icon

    Repayment comfortably over 180 months

  • Simple Documentation Icon

    Simple Documentation

  • Icon

    Loan upto 70% of the property market value

  • Icon

    No ITR Proof required

  • Icon

    Loan up to Rs. 75 Lacs

  • Loan Tenure-Up to 240 months Icon

    Repayment comfortably over 180 months

  • Simple Documentation Icon

    Simple Documentation

  • Icon

    Loan upto 70% of the property market value

* Disclaimer - All loans will be at the sole discretion of ABHFL

Financing the needs of

  • Small Kirana shop owners
  • Tea/Food shop owners
  • Barbershop/Salon owners
  • Scrap dealers
  • Garage owners
  • Laundry owners
  • Caterers
  • Commission agents
  • Tailors
  • Auto/Taxi drivers(Self-owned vehicle)

Documentation

  • 1. Proof of Identity and Address
    Salaried / Self Employed / Professional / Partnership / Company
    Click here to view the list of documents required.

     

    2. Proof of Income
    Salaried
    Latest 3 months salary slip showing all deductions & Form 16
    Self Employed or Professional
    IT Returns or financial documents for last 2 years and computation of income certified by a CA for last 2 years
    3. Bank statement where salary or income is credited
    Salaried
    Latest 6 months
    Self Employed or Professional
    Latest 6 months
    4. Proof of Other Income
    Salaried / Self Employed / Professional / Partnership / Company
    Rental receipts or documents showing receipt of income
    5. Property Documents
    Salaried / Self Employed / Professional / Partnership / Company
    Copy of Title documents and approved sanction plan ​​​​​

Video

ABFL helped me grow my business
I could fulfill orders to a new client because of the loan I took. Now that client is one of my biggest sources of revenue
Sumit Pande, Indore
ABFL helped me grow my business
I could fulfill orders to a new client because of the loan I took. Now that client is one of my biggest sources of revenue
Sumit Pande, Indore
Learn more about SME Loans
video-img-our-customer
ABFL helped me grow my business
I could fulfill orders to a new client because of the loan I took. Now that client is one of my biggest sources of revenue
Sumit Pande, Indore
Learn more about SME Loans

What do we offer?

  • Home Loan

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

  • Home Construction Loan

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

  • Signature Club

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

  • Home Extension Loan

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

  • Home Improvement Loan

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

  • Loan Against Property

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

  • Step-Up Home Loan

For Young & Budding Professionals, Pay lower EMI Initially and EMI to increase with expected growth in salary for balance tenure.

  • Step-Down Home Loan

Salaried customer having pension income post retirement or joint home loan with one of the coborrower retiring in short time, Pay higher EMI up to retirement and Lower EMI subsequently till balance tenure of the loan.

  • Extended tenure Home Loan

For Senior salaried professionals working in top corporates nearing retirement, Flexibility of Longer repayment periods with reduced EMI.

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

For Young & Budding Professionals, Pay lower EMI Initially and EMI to increase with expected growth in salary for balance tenure.

Salaried customer having pension income post retirement or joint home loan with one of the coborrower retiring in short time, Pay higher EMI up to retirement and Lower EMI subsequently till balance tenure of the loan.

For Senior salaried professionals working in top corporates nearing retirement, Flexibility of Longer repayment periods with reduced EMI.