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Aditya Birla Housing Finance Limited

ABC Solutions

Commercial Property Purchase Loan

Finance Your Commercial Property with Confidence

Home Loan EMI Calculator

ROI ranges from 8.5 to 20

Your EMI is

  • ₹
  • /Month

Check out the loan amount you are eligible for

Calculate Eligibility

About Us & Used For

Looking to buy commercial property for your business or investment? Commercial Property Purchase Loan (CPPL) helps you acquire office space, retail shops, showrooms or commercial units with structured financing and competitive interest rates.


Whether you are expanding operations or investing in commercial real estate, our loan solutions are designed to support your growth


This loan helps you convert business rental expenses into asset ownership while building long-term capital appreciation


A Commercial Property Purchase Loan is a financing solution that enables businesses and self-employed individuals to purchase:


  • Ready-to-move commercial property
  • Office spaces in commercial complexes
  • Retail shops and showrooms
  • Land for construction of commercial premises

Key Features & Benefits

✔ Interest rates starting from 8.85%*

✔ Flexible Loan Tenure - Repayment tenure of up to 15 years

✔ High Funding Support - Up to 70% of the purchase price or loan eligibility (whichever is lower)



Eligibility

To qualify for Commercial Property Purchase, applicants must meet the following criteria: General Criteria:

For Salaried Individuals:


  • Minimum Monthly Income: INR 25,000
  • Work Experience Requirement: – At least 3 years in employment
  • CIBIL Score: 675 & above (NTC cases also considered)

For Self-Employed Professionals & Business Owners:

  • Minimum Annual Income: – INR 3 lakh per annum
  • Business Vintage: – Minimum 3 years of stable business operations
  • CIBIL Score: 675 & above (NTC cases also considered)

Eligible Properties:

  • Ready commercial property (shop , offices , franchise , outlets)
  • Rented or leased properties
  • Ready for possession commercial premises
    • Funding at 50% and above construction stage
    • Stage wise disbursement

Note: Loan eligibility is subject to property valuation and submitted documentation.


Final eligibility depends on income assessment, property valuation, and credit profile.

Step By Step Guide

Apply for a Commercial Property Loan Today

Take the next step towards owning your business space. With competitive interest rates, structured repayment options, and trusted expertise, Aditya Birla Housing Finance helps you invest in commercial property with confidence. Applying for a CPP with ABHFL is a simple and hassle-free process.


Step-by-Step Guide: How to Apply for a Commercial Property Purchase?


Follow these steps to get started:

1. Check Your Eligibility

Ensure you meet the income, employment/business vintage, and CIBIL score criteria. Use our Loan Eligibility Calculator to determine the loan amount you qualify for.


2. Gather Required Documents

Identity & Address Proof – Aadhaar, PAN, Passport, or Voter ID Income Proof – Salary slips (last 3 months) or ITR (last 2 years for self-employed) Bank Statements – Last 6 months’ salary or business transaction history Property Papers – Ownership documents and approved sanction plan


3. Submit Your Application

Apply online through the ABHFL portal or visit a nearby branch. A Relationship Manager will assist you.


4. Property Evaluation & Loan Processing

ABHFL verifies your property details, legal status, and market value. Your loan application is reviewed based on eligibility and submitted documents.


5. Loan Approval & Disbursement

Once approved, the loan amount is disbursed directly to your bank account. You can start repaying through flexible EMI options based on your tenure preference.


Estimated Processing Time
: Loan processing usually takes 5–10 working days, based on documentation and property evaluation.



Documentation

To apply, you will typically need:


Identity & Address Proof

  • KYC Documents – Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License
  • Address Proof – Latest utility bill (electricity, water, or gas) not older than 3 months

Income Proof

  • For Salaried Individuals – Latest 3 months’ salary slips, 6 months bank statements (salary credited account) and Form 16 or ITR for the last 2 years
  • For Self-Employed Professionals & Business Owners – Income Tax Returns (ITRs) & financial statements for the last 2 years; 6 months’ bank statements (business and personal)

Business & Employment Proof

  • For Self-Employed & Business Owners – Business Registration Certificate. GST returns, Profit & Loss statements
  • For Salaried Individuals – Employment letter or employer confirmation (if required)

Property Documents

  • Copy of Property Papers – Title deed, Sale deed, or any other ownership documents
  • Approved Sanction Plan – Required for property evaluation


FAQs

  • Ready commercial property (shop , offices , franchise , outlets)
  • Rented or leased properties
  • Ready for possession commercial premises
    1. Funding at 50% and above construction stage
    2. Stage wise disbursement

This loan is ideal for:


  • Salaried – Investment Purpose, Business setup , Portfolio diversification
  • Self-Employed Professionals (SEP) – Doctors, CAs, Architects, Consultants, etc.
  • Self-Employed Non-Professionals (SENP) – Traders, Business Owners, Entrepreneurs
  • CIBIL Score of 700 or above

Investing in commercial real estate offers:


  • Stable long-term asset creation
  • Rental income potential
  • Business expansion opportunities
  • Potential tax efficiencies
  • Hedge against rising rental costs

With a structured commercial real estate loan, you can optimise liquidity while building tangible assets for your business.


Fees and Other Charges

Transactions & Charges

0.25% onwards of the loan amount plus applicable GST, may vary depending upon the risk profile of the customer.

1. Floating rate term loans sanctioned to individual borrowers, with or without co-borrowers(s):

  • Other than business purpose – NIL.

  • Loan for business purpose up to 50 lakhs* – NIL.

  • Loan for business purpose above 50 lakhs* – 4 % of principal outstanding.

2. Floating rate term loan sanctioned to Micro and Small Enterprises (MSEs) borrowers, with or without co-borrowers(s):

  • Other than business purpose* – NIL.

  • Loan for business purpose up to 50 lakhs*- NIL.

  • Loan for business purpose above 50 lakhs* – 4 % of principal outstanding.

3. Floating rate term loan sanctioned to non-individual borrowers other than MSE borrowers:

  • Housing Loan – NIL

  • Non-housing Loan - 4% of principal outstanding

4. Fixed interest rate housing loan given to Individual/ Non-individual borrowers:

  • Closure from own sources – Nil

  • Closure from other sources – 2% of principal outstanding

5. Fixed interest rate non-housing loans (LAP/LRD/CP/GPL/Top-up) given to Individual/Non-Individual borrowers (closed from own/other source):  4% of principal outstanding

Explanation:

1. In case of Semi-Fixed Loans (fixed for initial period and then floating), the Foreclosure/ Part payment norms will be applicable as per the status (fixed/floating) of the loans as on that particular day.

2. “Own sources” means any source other than by borrowing from a bank/ HFC/ NBFC and/or a financial institution.

3. “Fixed rate loan” means a loan where the Rate of Interest is fixed either for a particular period or for entire duration of the loan.

4. “Business purpose loan” shall mean:

  • Loan against any property/ Top up loans availed for Business use such as working capital, business debt consolidation, repayment of business loans, expansion of business, acquisition of business asset,

  • Loan for purchase/ renovation/ construction/ extension of Non-residential property,

  • Lease Rental Discounting.

5. “Micro and Small Enterprises (MSEs) borrowers” shall have the same meaning as defined in Micro, Small and Medium Enterprises Development (MSMED) Act, 2006

* Applicable for all Loans sanctioned or renewed on or after January 01, 2026.

Penal Charges:
Late Payment Penalty 12% p.a. above current applicable interest rate
(aggregate not exceeding 24% p.a. plus GST as per applicable laws)
Non- submission of Critical Post Disbursement Documents like Title document / Security perfection documents / Mortgage Deed / charge creation with MCA (wherever applicable) or non-adherence to any terms and conditions, representations and covenants as defined in the loan agreement / sanction letter within the targeted date of submission. Rs. 3000/- per month
Cheque bouncing charges/NACH failure charges/Bounce charges Rs 750/- per instance
Non-submission of revised NACH / ECS Debit Mandate registration wherever existing mandate is invalid / inactive / bank account closed or frozen / other technical issue for a period of 30 days Rs. 1000/- per month in case of secured loans
Rs 750/- per instance per loan account
As applicable based on actual delayed status or as communicated by the lender from time to time
CERSAI charges (You may visit the website of CERSAI for all such charges at www.cersai.org.in)
When facility amount is equal to ₹.5 lacs or lesser – ₹.50 per property

When facility amount is greater than ₹5 lacs – ₹100 per property
₹1,000/- per instance
₹750/- per instance
₹200/- per instance
₹750/- per instance
₹50/- per instance for Consumer and ₹500/- for Commercial CIBIL
0.5% of principal outstanding plus applicable GST
0.25% + GST on principal outstanding, capped at 7500 /- per instance
Rs 500/- per instance
2% of principal outstanding plus applicable GST
As per actual, where applicable
Disclaimer:Above charges constitute the rack rate for all customers. Actual charges for any customer, if different, will be as communicated at the time of loan sanction and disbursal and would be subject to changes from time to time.​​

What do we offer?

  • Home Loan

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

  • Home Construction Loan

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

  • Home Extension Loan

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

  • Home Improvement Loan

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

  • Loan Against Property

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

  • Step-Up Home Loan

For Young & Budding Professionals, Pay lower EMI Initially and EMI to increase with expected growth in salary for balance tenure.

  • Step-Down Home Loan

Salaried customer having pension income post retirement or joint home loan with one of the coborrower retiring in short time, Pay higher EMI up to retirement and Lower EMI subsequently till balance tenure of the loan.

  • Extended tenure Home Loan

For Senior salaried professionals working in top corporates nearing retirement, Flexibility of Longer repayment periods with reduced EMI.

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

For Young & Budding Professionals, Pay lower EMI Initially and EMI to increase with expected growth in salary for balance tenure.

Salaried customer having pension income post retirement or joint home loan with one of the coborrower retiring in short time, Pay higher EMI up to retirement and Lower EMI subsequently till balance tenure of the loan.

For Senior salaried professionals working in top corporates nearing retirement, Flexibility of Longer repayment periods with reduced EMI.