Fund Your Dreams with
Property Value.
Unlock capital against your residential or commercial property for business expansion, higher education, or personal milestones with competitive interest rates.
Current Mortgage Schemes
Secure financing against your property with competitive rates.
Standard Mortgage Loan
Key Features & Benefits
High Loan-to-Value Ratio
Get maximum funding against the market valuation of your residential, commercial, or plot property.
Flexible Repayment Plans
Customized EMI schedules structured around your business cash flows and financial capacity.
Competitive Rates
Affordable interest rates tailored exclusively for registered Nidhi company members.
Transparent Processing
Clear legal title inspection and upfront fee structures with zero hidden surprises.
Multipurpose Funding
Use funds freely for business expansion, renovation, medical, or education expenses.
Prepayment Flexibility
Repay partial or full loan amounts without incurring hefty prepayment penalties.
Eligibility & Guidelines
- Property must be registered under the applicant’s name with clear marketable title deeds.
- Applicant must be a registered active member of Jakanoor India Nidhi Limited.
- Legal and technical valuation conducted in compliance with MCA Nidhi lending rules.
- Encumbrance certificate (EC) must show zero prior existing mortgages.
Required Documents
Please provide copies along with original property deeds for legal verification.
KYC & Income Proof
- Aadhaar Card & PAN Card
- Voter ID / Passport
- Passport Size Photos (2 copies)
- Bank Account Statement (6 Months)
- Business / Income Proof
Property Title Deeds
- Original Sale Deed / Property Title
- Encumbrance Certificate (EC - Minimum 13 to 30 years)
- Latest Property Tax Paid Receipt
- Approved Building Plan / Khata Certificate