Manappuram offers a maximum Loan-to-Value ratio of up to 70% of the assessed property value. For example, an eligible property valued at ₹40 lakh may support a loan of up to ₹28 lakh based on the stated LTV. The sanctioned amount may be lower depending on your eligibility and the assessment of your application.

Note: The applicable LTV, property valuation and loan sanction remain subject to prevailing RBI directions, Manappuram Finance’s lending policy and legal and technical verification.

• Minimum Bureau Score of 560: Your credit report must meet the minimum score required under the scheme.
• Minimum Consolidated Income of ₹25,000 Per Month: Eligible income from applicants or permitted co-applicants may be considered together.
• Minimum Two-year Business Vintage: Your business should have been operational for at least two years.
• Business Licence is Mandatory: You must submit a valid MSME business licence or other applicable business licence. 
• Udyam Registration is Mandatory: Your business must be registered on the Udyam Registration portal.

Meeting these conditions does not automatically guarantee approval. The application remains subject to document verification, property checks and credit assessment.

• KYC Documents: Valid identity and address proof for the applicant, co-applicant and property owner, wherever applicable.
• Bank Statements: Recent statements help establish business transactions, income and repayment capacity.
• Property Documents: Title deeds and related property papers are required for legal and technical verification.
• Income Documents: Available financial statements, tax returns or other income papers may be requested based on your profile. 

Additional documents may be required depending on the business structure, property type and assessment of the application.