Loan Against Commercial Property

Apply For Loan against Commercial Property

Minimal Paperwork | Flexible Repayment Tenure | No Hidden Charges

If you own commercial real estate, such as an office building or a store, you can utilise it as security to avail of a Loan Against Commercial Property to finance your business needs. The loan allows you to secure funds for various financial needs, be it to expand your business or to fulfil personal financial goals. Read on to learn more about the benefits of a Loan Against Property and why it might be a good choice for you.


You can apply for a Loan Against Property at an interest rate of 9% per annum. For more details on other applicable charges, please see the table below:

Loan Against Property Interest Rates 9% p.a. Onwards
Loan Amount From ₹51 Lakhs to ₹5 Cr
Loan Processing Fees Up to 1% Plus applicable taxes
Lowest EMI per month 1044* Per Lakh for 180 Months
Maximum Tenure 3-15 years (12 years for Industrial/Warehouse).
Foreclosure/Prepayment Charges 0%* If paid from own sources & 4%* If paid from other sources
Late Payment Charges 3% per month
Cheque Bounce Charges ₹1000 per bounce plus applicable taxes
IMD Charges - Initial application fee ₹10,000 - Non-Refundable
Stamp Duty At actuals (as per state)
No Other Hidden Charges

Before you apply for a Loan Against Property, it is essential to recognise the distinct types of commercial properties and their defining characteristics. Here's a brief overview:

  • Office Spaces: Ideal for businesses and professional services.
  • Retail Outlets: It is suitable for shops and showrooms.
  • Warehouses and Industrial Units: Useful for manufacturing and storage purposes.
  • Hotels and Hospitality: Relevant for the hospitality industry.

Each property type offers distinct advantages and considerations when seeking a loan against them.

Securing a Loan Against Commercial Property requires meeting certain eligibility criteria, including:

Property Ownership:

Property Documents

Monthly Salary Required


Age Requirement


Employment Required


  • Property Documents: The applicant must be the legal owner of the commercial property to keep it as a security.
  • Age: At the time of the loan application, the applicant must be between the ages of 18 and 60.
  • Experience/Vintage: An individual must have at least three years of work experience and six months of stable employment in their current job. For businesses, the stability/vintage must be five years in the same business.
  • Citizenship: The Individual must hold Indian citizenship.

You will be required to provide a set of essential documents with your loan application, including:

  • Address proof

    Property Documents

  • Address proof

    Income Documents

  • Address proof

    KYC Documents

  • Identity Proof

    Bank Statements

  • Property Documents: Proof of property ownership like title deeds, property tax receipts, and building plan approvals.
  • Income Documents: Salary slips, income tax returns, and other documents demonstrating your financial stability.
  • KYC Documents: PAN Card/Aadhaar Card/Driving Licence/Voter ID/Passport.
  • Bank Statements: Statements from your bank accounts show your financial transactions and history.
  • Address proof

    Attractive Interest Rates

  • Address proof

    Higher Loan Amounts

  • Identity Proof

    Flexible Repayment Tenure

  • Attractive Interest Rates: You can avail of a Loan Against Property at attractive interest rates, starting from as low as 9% p.a.
  • Higher Loan Amounts: You can secure substantial loan amounts based on your property's value.
  • Flexible Repayment Tenure: Enjoy a flexible repayment tenure of up to 15 years, making it easier to manage your finances.
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Apply Online

Click on ‘Apply Now’ and enter your contact details along with loan amount, tenure, and property type.

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Enter Property Details

Enter your DOB and property ownership details.

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Enter Occupation Details

Enter your occupation and employment details.

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The application will then proceed for verification and assessment.

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*Terms & Conditions Apply

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