Get a Loan Against Commercial Property With Quick Approval
Arranging funds at short notice for urgent expenses can be challenging. However, if you own a commercial property, you can use it as collateral to access quick financing. Poonawalla Fincorp offers a Loan Against Commercial Property starting at 9.5% p.a.*, with amounts up to ₹25 Crore, minimal paperwork, easy eligibility, and immediate disbursement. Apply online now and get funds quickly and conveniently.
Loan Against Property EMI Calculator for Commercial Property
Calculate your monthly repayments easily using the LAP EMI Calculator. Simply enter the loan amount, interest rate, and tenure to know your EMIs instantly. Compare commercial property interest rates with other loan rates in different scenarios to find the most cost-effective option.
Why Choose Poonawalla Fincorp
Fair Loan-to-Value (LTV) Ratio
FlexibleEMIs
No HiddenCharges
Minimal Documentation
Online Application Process
Competitive Interest Rate
Apply for a Loan Against Property in Just 3 Steps
Click on "Apply Now”
Tap the Apply Now button to initiate your application.
Enter Details
Enter your contact, personal, occupation, and property ownership details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Here are the eligibility criteria for a Loan Against Commercial Property:
| Criteria | Details |
|---|---|
| Age | 21–60 years (salaried applicant); 18–75 years (self-employed applicant / applicant of a firm or company) |
| Citizenship | Indian citizen |
| Experience | 3 years total (salaried) or 3 years in business (self-employed / firms) |
| Occupation | Salaried, self-employed, proprietors, partners, directors, companies |
Click to know about the Loan Against Property eligibility criteria in detail.
Submit the relevant documents, depending on whether you are salaried, self-employed or an established firm/company, to avail of this loan:
| Document Type | Examples / Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Voter ID, Driving License, Passport |
| Address Proof | Utility bill, Passport, Rent Agreement, Udyam / GST Certificate |
| Income Proof | Salary slips (salaried) or ITR with P&L for 2 years (self-employed / firms) |
| Bank Statements | 6 months (salaried) or 12 months (self-employed / firms) |
| Property Documents | Title deed, Sale deed, Tax receipts, Property insurance details |
Click to know more about the required Loan Against Property documentation in detail.
We offer a mortgage loan at competitive interest rate and nominal charges:
Upto 5% on principle partly paid amount plus applicable taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
The flexibility is one of the greatest benefits of this Loan Against Property. No restrictions are imposed on end uses, so you can invest the funds based on your needs.
- Grow the current business and buy new inventory or equipment.
- Consolidate high-interest debt with a lower loan against commercial property interest rate.
- Improve the infrastructure of the business or modernise your commercial premises.
- Fund higher education for yourself or your children overseas.
- Cover medical emergencies or unexpected financial obligations.
Who qualifies for this loan? Here are the applicant profiles accepted by Poonawalla Fincorp.
This Loan Against Property caters to a wide range of applicants. You can apply whether you are a salaried employee or self-employed.
- Salaried citizens, with a fixed income, and citizens of India.
- Self-employed professionals such as business owners and freelancers.
- Companies, partnership firms, and proprietors with commercial property.
With a few smart actions, you can secure the best loan interest rate relative to commercial property. Here are the tips to remember when applying for a LAP:
- Maintain a CIBIL score of 700 or above to get the best interest rates on a loan against commercial property.
- Ensure that all property documents are clear, legally verified, and free of disputes.
- Choose a repayment period that is affordable, considering both EMI and total interest cost.
- Compare Loan Against Property offers from various lenders before applying.
- Plan your repayments using the LAP EMI Calculator.
- To protect your credit rating, avoid submitting multiple loan applications together.
Happy Customers, Happy Us
I am incredibly grateful for the outstanding support I received throughout my loan process. The guidance provided made every step feel manageable and stress-free. What stood out most was the humility and genuine willingness to help at every stage, qualities that made a significant difference in my experience. Without this support, the journey would have been far more challenging. I truly appreciate the dedication and helpful nature that was consistently demonstrated. The efforts put forth were invaluable, and I feel fortunate to have worked with someone so committed and supportive.
Throughout my loan journey, the Poonawalla Fincorp team showcased exceptional dedication, in-depth product knowledge, and a truly customer-centric approach. At every stage, they guided me with patience and clarity, making the entire process seamless, transparent, and timely. Their proactive communication and unwavering willingness to go the extra mile are a testament to the organization’s high standards of service excellence. Such professionalism not only fosters strong customer trust but also reinforces Poonawalla Fincorp’s reputation as a leading, customer-focused financial institution. I extend my heartfelt thanks to the entire team for their commendable efforts and wish them continued success in all their endeavors.
It was really great working with Poonawalla Fincorp. Thanks to the support and coordination by the team. I was able to get a significant portion of my requirements despite having a bit of a mess in my financial records. The loan processing and disbursement process at Poonawalla Fincorp was super smooth. They were incredibly cooperative and helpful. I’m looking forward to building a healthy relationship with them in the future. Thank you.
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Frequently Asked Questions
It is also a security Loan Against Property in which you use your commercial space as security to seek funds.
The loan against commercial property interest rates start at 9.5%* p.a. as of March 2026.
The maximum amount of debt you can get through a Loan Against Property is ₹25 Crore, depending on the market value of the property.
In case of default, default charges of 24% p.a. are imposed on non-payment of EMI on the Loan Against Property with applicable taxes.
This Loan Against Property is accepted for offices, retail shops, manufacturing plants, warehouses, and commercial plots.
Yes, this Loan Against Property can be applied for by self-employed professionals and firms who have at least 3 years of business experience.
Commercial property has a maximum tenure of 15 years, and industrial and warehouse properties have a maximum of 12 years.
No, Poonawalla Fincorp has zero hidden charges for the Loan Against Property at full transparency.
Upon successful document validation, the loan is credited into your bank account immediately.
Yes, the Loan Against Property does not have any end-use limitations; you can use it either in business or for any other purpose.