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UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

A "loan against property" is a secured loan that is authorized against a piece of collateralized property. Anyone who owns a property is eligible to apply for one of these financial instruments. With a loan secured by property, you can obtain high-value cash at interest rates far lower than those of traditional loans. When compared with other loan choices, LAP is an economical choice that will help you stay stable while supporting you in the long run.

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UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

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Here are a few factors

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Location	60km from Branch
CIBIL Score	650+
Applicant	Any Self Employed
Applicant Age	21 Year to 65 Year
Loan Amount & Tenure	50 Lac-500 Lac (5 Year to 15 Year)
Login Fees	Nil
Rate of Interest & Type	14% to 18% (Reducing)
TAT	4 Days
Processing Fees	1.5% to 2%
Foreclosure Charges	Up to 4%+GST
Insurance	As per Age of Applicant
Minimum Business Vintage	2 year
Lock In Period	12 Month
Part Payment Allowed	No
LTV	(i) Residential-80% (ii) Commercial-70% (iii) Industrial-60% (iv) Plot-50% (v) Nursing Home-40% (vi) if residential property is rented/vacant then LTV will be 10% lower (vii) If Commercial Property Purchase/vacant/rented then LTV will be 10% lower
Product	(i) Fresh LAP (ii) BT+ Top UP (iii) Seller BT (iv) Commercial & Industrial Purchase (v) Auction Purchase
Program	(i) LIP Program-5Cr (ii) Banking Program-5 Cr (iii) Income Program-5 Cr (iv) without ITR-3 Cr (v) GST Surrogate-5 Cr
FOIR	90% of Cash Income
Cautious Profile	No
Negative Profile	(i) Salaried Applicant (ii) Real Estate (iii) GYM (iv) Share Traders (v) NBFC (vi) Liquor Seller (vii) Politician (viii) DSA Profile (ix) Applicant living in dominated area
Funded Property	(i) Residential Property (ii) Commercial Property (iii) Industrial Property(iv) Plot (v) Current Sale Deed (vi) Khasra Khatauni (vii) Multi Tanented Unit-Up to 5 Tanent(viii) Lal Dora (ix) Stone Slab Property (x) Sub-divided Property (xi) Go down & Warehouse (xii) Commercial Complex & Mall Shop (xiii) Auction Purchase
Negative Property	(i) School (ii) Hotel, Restaurant & Marriage Hall (iii) PG Property (iv) Lease hold Property without PTM (v) Demolition List Property (vi) Subject to Sale Deed Property (vii) Hospital & Nursing Home
Accepted Collateral	Other than Negative List
Specific Property wise Funding Limit	(i) Lal Dora-3 Cr (ii) Stone Slab Property-3 Cr (LTV max 50%) (iii) Sub-divided Property-3 Cr (iv) Single Sale Deed-3Cr
Any Specific Product for Professionals	No
USP	(i) Without Financial up to 3 Cr (ii) Funding up to 5 Cr in LIP Program (iii) LTV up to 80%
Additional	(i) Cash Rental, DOD Product, LRD Product not available

Right Documents - Easy Process

Required Documents to Apply for UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

Salaried income documents

KYC of applicant & Co-Applicant
Last 3 Month Salary Slip of Applicant
Last 12 month Bank Statement of applicant & co-applicant
Last 3 year ITR with computation of income of applicant & co-applicant
Last 2 Year Form 16 of applicant
26AS of last 2 year of applicant & co-applicant
Appointment letter of applicant if available
Agreement to Sale if purchase case
Property Paper with complete chain of last 13 years
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
Sanction letter of all running loan
Latest utility Bill if owned residence or rent agreement if rented
2 Reference with contact details

Self Employed person documents

KYC of applicant & Co-Applicant
Last 3 year ITR with computation of income of applicant & co-applicant
Last 3 year audited balance sheet of applicant
Last 3 year Tax audit report of applicant
Last 12 month Bank Statement of applicant & co-applicant
26AS of last 2 year of applicant & co-applicant
Copy of GST registration
Copy of MSME registration
Copy of Last 12 month GST return
Agreement to Sale if purchase case
Property Paper with complete chain of last 13 years
LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
Sanction letter of all running loan
Debt Sheet
Latest utility Bill of residence if owned or rent agreement if rented
Latest utility Bill of Office if owned or rent agreement if rented
2 Reference with contact details
Last 3 year Debtors & Creditors on letter head
List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

1. KYC Means
If Applicant is

Company-MOA, AOA, COI , PAN Card
Partnership Firm/LLP- Partnership Deed & PAN Card
Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo

For Co-Applicant

KYC means Adhaar Card, PAN Card, Passport Size Photo

Co-Applicant means in case of

Company : Directors
Partnership firm/LLP : Partners
Proprietorship Firm : Spouse of Proprietor

2. If LAP is applied with Government Bank then 30 year chain is required
3. If applicant is professional, then his professional degree is required

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FREQUENTLY ASKED QUESTIONS

What is Ugro Capital?

It is a specialized platform that offers tailored loan products to eight different sectors of the Indian economy and caters to the financial demands of small and medium-sized businesses.

U GRO Capital: Is it an NBFC?

U GRO Capital is an MSME financing firm that is registered as an NBFC with the Reserve Bank of India.

What is the headquarters address of U GRO Capital's head office?

The headquarters of U GRO Capital are in Mumbai, Maharashtra, India.

What is the customer support number for U GRO Capital?

The customer support number for U GRO Capital is +91 22 48918686.

Is there any specific product for professionals at U GRO?

There is no specific product for professionals at U GRO.

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UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

Loan Amount : Upto 5 Cr

Rate of Interest : 14% Onwards

Tenure : Upto 15 Years

USP : Funding upto 5 Cr in LIP Program & Higher LTV upto 80%

UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

Here are a few factors

Required Documents to Apply for UGRO Capital Loan against Property (Large Vertical 50 lac 5 cr)

Salaried income documents

KYC of applicant & Co-Applicant

Last 3 Month Salary Slip of Applicant

Last 12 month Bank Statement of applicant & co-applicant

Last 3 year ITR with computation of income of applicant & co-applicant

Last 2 Year Form 16 of applicant

26AS of last 2 year of applicant & co-applicant

Appointment letter of applicant if available

Agreement to Sale if purchase case

Property Paper with complete chain of last 13 years

LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case

Sanction letter of all running loan

Latest utility Bill if owned residence or rent agreement if rented

2 Reference with contact details

Self Employed person documents

KYC of applicant & Co-Applicant

Last 3 year ITR with computation of income of applicant & co-applicant

Last 3 year audited balance sheet of applicant

Last 3 year Tax audit report of applicant

Last 12 month Bank Statement of applicant & co-applicant

26AS of last 2 year of applicant & co-applicant

Copy of GST registration

Copy of MSME registration

Copy of Last 12 month GST return

Agreement to Sale if purchase case

Property Paper with complete chain of last 13 years

LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case

Sanction letter of all running loan

Debt Sheet

Latest utility Bill of residence if owned or rent agreement if rented

Latest utility Bill of Office if owned or rent agreement if rented

2 Reference with contact details

Last 3 year Debtors & Creditors on letter head

List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

FREQUENTLY ASKED QUESTIONS