Land Mortgage (DTCP / CMDA Approved)
Unlock Capital by Mortgaging Your Land Asset
Owning land is a powerful asset—but its true value is realised when it helps you meet important financial goals. A Land Mortgage Loan allows you to leverage approved land parcels to access substantial funding without selling the property. At Purple Finance, we help individuals and businesses secure Land Mortgage loans through leading Banks and NBFCs with a structured, eligibility-based approach.
Whether you need funds for business expansion, project execution, or large personal requirements, our expert team ensures clarity, compliance, and smooth processing.
Whether you need funds for business expansion, project execution, or large personal requirements, our expert team ensures clarity, compliance, and smooth processing.
What Is a Land Mortgage Loan?
A Land Mortgage Loan is a secured loan where approved residential or commercial land is pledged as collateral to raise funds. Since land values appreciate over time, lenders consider such assets for financing—provided they meet specific approval and documentation criteria.
Purple Finance works closely with lenders to ensure your land asset qualifies for funding under applicable guidelines, reducing risk and avoiding unnecessary delays.
Types of Land Eligible for Mortgage
We assist with loans against:
- DTCP-approved land parcels
- CMDA-approved land parcels
- Approved residential plots within municipal or corporation limits
- Select commercial land parcels (subject to lender policies)
The land must have clear ownership, valid approvals, and marketable title.
Who Can Apply for a Land Mortgage Loan?
Land Mortgage Loans are suitable for:
- Business owners and entrepreneurs
- Self-employed professionals
- Investors and promoters
- Individuals with approved land assets
Eligibility is assessed based on land value, income stability, credit profile, and lender-specific norms.
Key Benefits of Land Mortgage Loans
Higher Funding Potential
Land mortgages can provide access to substantial loan amounts depending on location and market value.
Lower Interest Rates
Being a secured loan, interest rates are generally lower than unsecured borrowing options.
Flexible End-Use
Funds can be utilised for business expansion, project funding, education, medical needs, or personal financial goals.
Retain Ownership
Continue to own the land while leveraging its value.
Structured Repayment Options
Loan tenures and EMI structures are aligned with repayment capacity.
Common Uses of Land Mortgage Funding
- Business expansion or working capital
- Real estate or infrastructure projects
- Education or overseas studies
- Medical emergencies
- Consolidation of existing liabilities
- Long-term financial planning
Why Choose Purple Finance for Land Mortgage Loans?
Land-based funding requires careful evaluation, legal clarity, and experienced handling.
Our Strengths
- 10+ years of experience in financial services
- 500+ clients supported across Tamil Nadu
- Associated with leading Banks & NBFCs
- Eligibility-based, transparent processing
- End-to-end documentation and advisory support
We focus on responsible lending that aligns with both lender norms and client objectives.
Our Simple Land Mortgage Process
Understand your funding requirement and land details.
Verify approvals, ownership, and market value.
Review income, credit profile, and repayment capacity.
Identify the most suitable Bank or NBFC option.
Complete documentation and release funds as per lender timelines.
Important Notes
- Land Mortgage Loan approval is subject to eligibility, land approval, valuation, and lender policies.
- Loan-to-value ratios may be lower compared to residential property loans.
- Interest rates and tenures vary based on borrower profile and land location.
- Terms & conditions apply as per Bank / NBFC guidelines.
Documents Commonly Required
While documentation varies by lender, typically required documents include:
💳 Identity and address proof
📜 Income proof (business or professional)
🏛️ Bank statements
🗺️ Land documents (sale deed, patta, chitta, EC)
🏷️ DTCP / CMDA approval documents
📟 Credit history
Our team assists in document verification to ensure smooth and compliant processing.
Leverage Your Land Asset Wisely
If you own DTCP or CMDA-approved land and are looking to raise funds responsibly, Purple Finance offers expert guidance to help you unlock its true value.
