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Commercial Property Loan — Office, Shop, Clinic & Warehouse
Commercial Property Loan
Buy or build your commercial space with confidence
A commercial property loan is a secured loan to purchase or construct a ready or under-construction commercial property — office space, a shop or showroom, a clinic or a warehouse. Underwriting is deeper and the funding ratio (LTV) lower than a residential home loan, because lenders weigh both the property and your business cash flow. As an intermediary, we compare lenders so you get the right structure, a sharp rate and a clear cost picture before you commit.
We are not a lender — the loan is sanctioned and disbursed by our partner bank or NBFC at their discretion, based on your business profile and the property. Our advisory is transparent; we are compensated by the lender, never by hidden charges.
Loan amount*₹10 L – ₹50 Cr+
Interest rate*9.5%–12% p.a.
Max tenure*Up to 15 yrs
Processing fee*0.5%–2% + GST
Funding (LTV)*55%–70%
*Indicative and subject to change — the actual amount, rate, tenure, fees and LTV are set by the lender per RBI norms, your business profile and the property. See the full disclaimer in the footer.
Who it's for
A commercial loan that fits your plan
Business owners
Buy a shop, showroom or office to run your business from your own premises.
Professionals
Doctors, CAs and consultants buying a clinic, chamber or office unit.
Investors
Acquire a leased or lettable commercial asset for rental yield and growth.
Owner-users
Occupy the property yourself while building a long-term business asset.
Features & benefits
Why borrowers choose a commercial loan with us
Wide property scope
Finance offices, shops, showrooms, clinics and warehouses — ready or under construction.
Large ticket sizes
From ₹10 lakh to ₹50 crore and beyond, structured to your business cash flow.
Tenure up to 15 years
A longer repayment horizon keeps EMIs aligned with your business income.
Interest deductible
Interest is generally deductible against rental or business income — confirm with your tax advisor.
Cash-flow underwriting
ITRs, audited financials and banking are read together to assess your repayment capacity.
Lenders compared
One application, a written comparison, and an advisor you can reach by name.
Eligibility
Who qualifies for a commercial property loan
| Criteria | Self-employed business | Professionals |
|---|---|---|
| Age | 25–65 years (at maturity) | 25–65 years (at maturity) |
| Income / vintage | Profitable business; usually 3+ years of ITRs & audited financials | Established practice; usually 3+ years of ITRs |
| Entity | Proprietorship, partnership, LLP or company — resident Indian promoters | |
| CIBIL / CMR | Healthy personal CIBIL and business credit (CMR) help you qualify for sharper rates | |
| Property | Approved commercial use, clear marketable title; cleared by the lender's legal & technical team | |
| Co-applicant | Promoters / directors usually co-apply; an earning co-applicant can raise eligibility | |
Eligibility is indicative and finally determined by the lender's policy and credit assessment.
Documents
What you'll typically need
Business & KYC
- PAN & Aadhaar of promoters / directors (KYC)
- Business registration, partnership deed / MoA & AoA
- GST registration & recent GST returns
- Last 3 years' ITR with computation of income
- Audited financials / P&L & balance sheet
- Last 12 months' bank statements (business & personal)
Property & project
- Agreement to sell / allotment letter
- Title chain & mother deed of the commercial unit
- Approved building plan & commercial-use sanction
- Occupancy / completion certificate (ready property)
- Builder & project approvals (under-construction)
- Latest property tax receipt & encumbrance certificate
Exact documents vary by lender and profile — we share a personalised checklist once we understand your case.
Rates, fees & charges
Indicative cost of a commercial property loan
| Item | Indicative* |
|---|---|
| Interest rate | 9.5% – 12% p.a. (floating, linked to repo / lender benchmark) |
| Loan-to-value (LTV) | 55% – 70% of property value (lower than a home loan) |
| Processing fee | 0.5% – 2% of loan amount + GST |
| Prepayment / foreclosure | As per sanction — non-individual / business loans may carry charges |
| Legal, technical & valuation | ₹10,000 – ₹50,000+ (property & ticket dependent) |
| Stamp duty & registration | As per state — paid by you, usually not funded |
*Indicative as of the current period and subject to change without notice. Final rates and fees are set by the lender in the sanction letter.
How it works
From first call to disbursal —
four simple steps.
01
Share your goal
Tell us your business, the property and your budget — by phone or our web form.
02
Compare & choose
We compare lenders on rate, LTV and tenure and present a clear, written shortlist.
03
Documentation & sanction
We prepare your file and coordinate verification, valuation and sanction.
04
Disbursal & beyond
Funds are disbursed — and we stay available for top-ups and queries.
Tax treatment
How a commercial property loan is treated for tax
Interest is deductible
Interest on the loan is generally deductible against the rental income (if let out) or business income (if used in your business) the property earns.
Depreciation on the building
If you occupy the property as a business asset, you can usually claim depreciation on the building — not on the land underneath it.
Not the home-loan route
This is the commercial route — the personal §80C principal and §24(b) ₹2 L self-occupied-interest benefits of a home loan do not apply here.
Tax treatment depends on how the property is used (let out vs. owner-occupied), your entity and the law in force. This is general information, not tax advice — please confirm with a tax professional.
Estimate an indicative EMI
Use our Home Loan EMI calculator as an indicative guide for commercial — your actual rate, LTV and tenure will differ. Talk to us for a precise, structured quote.
FAQs
Commercial property loan — questions, answered
A home loan funds a residential property you live in or let out, with high LTV and personal §80C / §24(b) tax benefits. A commercial property loan funds an office, shop, clinic or warehouse: underwriting is deeper, LTV is lower, the rate is usually higher, and the tax treatment is the commercial route — interest against rental or business income, not the home-loan deductions.
Commercial properties are seen as higher risk and less liquid than homes — their value and saleability depend on location, demand and tenancy. To protect against this, lenders fund a smaller share, indicatively 55%–70% of value, so you arrange a larger margin (down payment) from your own funds.
Interest on the loan is generally deductible against the rental income (if you let the property out) or business income (if you use it in your business). If you occupy it as a business asset, you can usually also claim depreciation on the building — not on the land. The personal §80C and §24(b) home-loan benefits do not apply; please confirm specifics with a tax professional.
Both. A ready, occupancy-certified property is the most straightforward to finance. For an under-construction unit, lenders assess the builder and project approvals and usually disburse in stages against construction milestones, with pre-EMI interest on the amount drawn until possession.
Common eligible types include office space, shops and showrooms, clinics and consulting chambers, and warehouses or godowns — provided the property has approved commercial use and a clear, marketable title. The lender's legal and technical team makes the final call on the specific unit.
Most lenders offer up to 15 years, shorter than a residential home loan and capped by your age at maturity and the property's profile. A longer tenure lowers the EMI but increases the total interest you pay.
Indicatively 7–15 working days once your documents are complete, longer than a retail home loan because business financials and the commercial property both need detailed assessment. Final timing depends on the lender, legal and technical verification, and your credit profile.
Yes. Professionals such as doctors, CAs and consultants are a core borrower group — a commercial property loan can fund a clinic, chamber or office unit. Lenders read your practice's ITRs, banking and credit profile to assess eligibility, and the interest is typically deductible against your professional income.
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