LAP Grading

Looking for a loan against property (LAP) to fund the growth of your SME?


Then CRISIL’s LAP Grading is for you.


We evaluate through a robust due-diligence process LAP loans given against mortgage of residential/industrial/commercial property. 


This enables lenders to gain a 360-degree view of the business and property of borrowers, control loan-to-value ratios, practice valuation discipline, and keep a hawk’s eye on their LAP portfolio. 

  • CRISIL’s gradings include understanding the lending institution’s appraisal process, developing methodology, assessment of nature of business, quality of management, financial strength of the entity, collateral quality, and adherence to underwriting process
  • A third-party evaluation by CRISIL offers comfort to lenders on their asset class and provides a broader and deeper perspective into their loan portfolio
  • The exercise helps lenders in proactive customer management: retention, upsell/ cross-sell and delinquency management
  • The LAP Grading exercise increases comfort and transparency on the asset class for key stakeholders
  • The learnings from the grading process acts as feedback for lenders to improve loan underwriting and continuously upgrade lending policies

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  • Interested in our SME offerings?
    Please call or email us at:
    +1800 103 3453

  • To renew your SME Grading,
    please register on: