Before you book a plot or apply for a loan, know whether the property will actually get funded. Gram panchayat sanction, HMDA/DTCP layout approval, LP number status, deviations and GPA title — answer 4 quick questions for an instant bankability read.
Answer these 4 questions about your plot or property. This gives a directional read only — final approval always rests with the lender, based on their own legal & technical verification.
This is a directional first-pass check based on Mintra's general underwriting experience across partner lenders — not a guarantee of approval, and not lender-specific rate/eligibility information. Every lender runs its own legal & technical due diligence on the property; treat this as a starting point, not a final answer.
Get This Confirmed by an Advisor — FreeA gram-panchayat-only building permission carries no weight for plot registration or bank loan processing on its own in most cases — lenders look for HMDA/DTCP layout approval behind it.
Lenders verify the layout's LP (Layout Permission) number issued by HMDA/DTCP. A missing or unverifiable LP number is one of the most common causes of a property-level rejection.
Minor deviations from the sanctioned plan are often accepted, sometimes at a lower LTV. Major or unauthorised construction is declined by most PSU banks and accepted, if at all, only by select NBFCs.
| Document | Why the lender wants it |
|---|---|
| Layout approval / LP number copy | Confirms HMDA/DTCP sanction of the layout the plot sits in |
| 20–30 year title/link documents | Establishes clean chain of ownership; longer chains need more scrutiny |
| Encumbrance Certificate (EC) | Confirms no existing mortgage, lien or legal dispute on the property |
| Approved building plan | Checked against actual construction to flag deviations |
| GPA (if applicable) | Power-of-attorney based sales need extra verification of the GPA's validity and scope |
| Property tax receipts | Cross-checks possession and ownership continuity |
Verify LP status and title chain before you pay a token amount — not after. If a property comes back as high-risk, we can often still find an NBFC willing to fund it at a lower LTV; but it's far better to know upfront and negotiate the price, or walk away, than to lose a token amount to a loan that never gets sanctioned.
Send us the locality, layout name and LP number (if you have it) — we'll give you a considered read on bankability before you commit, free of charge.
Get My Property CheckedShare your details and the property location — we'll verify the layout's LP status against live lender policy and confirm which lenders will fund it.