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Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

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Commercial Property Purchase Loan

Invest in the perfect space for your business with flexible, high-value funding.

Finance up to 65% of the property's market value
Ideal for buying office space, retail units, or commercial land
Enjoy long tenures and easy EMI-based repayment options

Step 1

Step 2

Step 3

Finish

₹ 5.50 Lakh Cr

AUM

1,712

BRANCHES

3.9 Cr

ACTIVE CUSTOMER BASE

₹ 1.78 Lakh Cr

CONSOLIDATED LENDING BOOK

Why Choose a Loan Against Property for Commercial Purchase?

A commercial property purchase loan helps bridge the gap between opportunity and available capital. It allows businesses to act quickly when the right property becomes available—whether it's an office, warehouse, showroom, or commercial land to buy.

Enables investment in prime commercial locations

Helps secure properties before market prices rise

Funds can be used for ready-to-move or under-construction properties

Allows long-term repayment planning through structured EMIs

Preserves business liquidity and avoids equity dilution

Get the Right Space with a Commercial Property Purchase Loan

India’s real estate sector is evolving rapidly, making now a prime time for buying commercial real estate. Whether you're launching a startup, expanding a business, or opening a new office, purchasing the right property is a critical move. However, with rising real estate prices, businesses often need external financial support to secure the right space.
A Loan Against Property (LAP) for commercial property purchase is a smart solution. By pledging an owned property, you can access high-value funding to buy office space, commercial land, or retail units without disrupting your working capital.

Features & Benefits of Commercial Property Purchase Loan

The commercial property being purchased

Up to 15 years

Up to 65% of the property’s market value

Structured EMI options and customized repayment plans

Attractive, competitive rates

Lower your existing loan burden with additional top-up

Doorstep documentation and customer assistance

Use funds to buy commercial real estate, offices, shops, or commercial land

Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate

ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Short Term Reference Rate

ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Eligibility Criteria

To apply for a LAP for buying commercial land or property, applicants must meet the following criteria:

Must be a salaried individual, self-employed professional, or business owner
Applicant should have a stable income history and good credit record
Property should be located in an approved city or municipal zone
Loan eligibility will be evaluated based on income programs defined by Aditya Birla Capital
Clear property title and ownership documentation is required

Documents Required

Keep the following documents ready to ensure a smooth application process:

Identity proof (PAN, Aadhaar, Passport)
Address proof (Utility bill, Voter ID, etc.)
Financial documents (ITR, bank statements, audited financials)
Property documents (Agreement to sale, title deed, tax receipts)
Business proof (for self-employed): GST, registration certificate

How to Apply for Commercial Property Purchase Loan

STEP

Visit Our Website: Navigate to the Loan Against Property section

STEP

Check Eligibility: Use our LAP calculator to estimate eligibility

STEP

Fill in the Application: Submit basic personal, financial, and property details

STEP

Upload Documents: Provide necessary documents for income and property validation

STEP

Verification & Sanction: Our team will verify and approve the loan

STEP

Get Disbursal: Funds are transferred directly to your account

STEP

Upload Documents: Provide necessary documents for income and property validation

STEP

Verification & Sanction: Our team will verify and approve the loan

STEP

Get Disbursal: Funds are transferred directly to your account

Commercial Property Loan: Applicable Fees and Charges

Fee/Charge	Details
Processing Fee	Up to 2% of the loan amount.
Foreclosure Charges	Individuals (Personal Use): Nil - Others: 4% of the principal outstanding amount. Note: Foreclosure is allowed only after a lock-in period of 24 months.
Part Prepayment Charges	Individuals (Personal Use): Nil - Others: 4% of the part prepayment amount exceeding 25% of the principal outstanding in a financial year. Note: Part prepayment is allowed only after a lock-in period of 24 months.
Default Penalty Interest Rate	24% per annum (2% per month) on the overdue amount.
Loan Cancellation Charges	4% of the sanctioned loan amount.

Why Choose Aditya Birla Capital?

When it comes to commercial property financing, experience, trust, and speed matter. Here’s why thousands of businesses rely on Aditya Birla Capital:

Transparent processes with no hidden charges

Attractive interest rates and flexible tenure options

Personalised support from a dedicated relationship manager

End-to-end digital journey with doorstep service

Quick approval and hassle-free disbursal

Customer Satisfaction Stories

Don’t just take our word for it. Hear from our customers about their successful financial journey with us

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.

Mr. Arpit Jain

Aditya Birla Finance Customer

Gurgaon, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Highly appreciate the speed of work at ABHFL, my overall experience in the home loan journey was good.

Mr. Dharmendra Kumar

Aditya Birla Finance Customer

Meerut, India

Tax Planning

Save Tax, invest more, reach goals

Tax-saving options, one click
Save tax under different sections

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Secured Business Loan

Secure business loans for you

Low interest, flexible payments
One app, quick dispersals

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FAQ on Construction Finance

Interest rates typically start from 9% p.a., but vary [SM4.1]based on your profile, property type, and loan tenure.

Yes, a Loan Against Property can be used to buy office space, shops, showrooms, or any legally approved commercial unit.

If the loan is used exclusively for business purposes, the interest paid may be tax-deductible under Section 37(1) of the Income Tax Act.

A Loan Against Property for commercial use is ideal—it offers higher loan amounts, lower interest rates than unsecured loans, and longer repayment terms.