Commercial Property Loan

Get the Right Commercial Property Loan for Your Business Growth

Purchase offices, retail shops, warehouses, industrial units, or commercial land with a commercial property loan designed to support your business growth.

With My Mudra, compare business property loan and commercial estate loan offers from leading banks and NBFCs, check your eligibility, and apply online through a simple, transparent process.

Finance Offices, Shops, Warehouses & Commercial Land

Competitive Interest Rates from Leading Lenders

90+ Banks & NBFC Partners

Quick & Hassle-free Online Application

Last Updated: 30-09-2026

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Quick Guide

What is a Commercial Property Loan?

A commercial property loan helps businesses buy office spaces, commercial shops, warehouses, industrial units, and commercial land with ease. This type of loan gives you access to funds while allowing you to manage your business expenses efficiently and plan future growth.

With My Mudra, you don’t need a commercial mortgage broker. You can compare multiple lender offers and apply for a commercial estate loan online through a quick, transparent, and hassle-free process on our platform.

Commercial Property Loan at a Glance

Particular	Details
1Loan Type	Secured Business Loan
2Purpose	Purchase or construction of commercial property
3Loan Amount	Up to ₹10 Crore
4Interest Rate	Starts from 9.50% p.a.
5Tenure	Up to 20 years
6Processing Time	Generally 5–10 working days
7Security	Commercial property financed
8Eligible Applicants	Business owners, MSMEs, Professionals, Companies

Features & Benefits of Commercial Property Loan

Choosing the right financing partner can significantly improve your business expansion plans. A commercial or business property loan offers several advantages over unsecured borrowing.

Higher Loan Amount

Since the commercial estate loan is secured against commercial property, lenders usually offer higher funding limits than unsecured business loans.

Competitive Interest Rates

Compared to unsecured borrowing, commercial property loan interest rates are generally more competitive because the financed property acts as collateral.

Flexible Repayment

Most lenders offer repayment periods ranging from 5 to 20 years, allowing businesses to manage cash flow efficiently.

Multiple Property Options

You can use a business property loan to purchase office spaces, retail outlets, warehouses, industrial sheds, commercial complexes, business parks, etc.

Online Comparison

Instead of visiting multiple banks, My Mudra enables businesses to compare commercial real estate financing options from several lending partners through a single application.

Faster Digital Processing

Digital document submission and eligibility checks reduce paperwork and simplify the application process.

Business Expansion

A commercial real estate loan helps you buy a new office, shop, or business premises, making it easier to expand your operations and support your business growth.

Loan Types

Types of
Commercial Property Loans

Different businesses have different financing needs. Understanding various business property loan options helps you choose the right solution.

Commercial Shop Loan

A commercial shop loan helps businesses buy retail shops, showrooms, or outlets. A commercial shop purchase loan supports business expansion with flexible funding.

Office Space Loan

A loan to buy commercial property helps businesses purchase office space instead of renting.

Commercial Land Loan

A commercial land loan helps businesses buy land for future development. A commercial land purchase loan is suitable for industrial and commercial projects.

Commercial Building Loan

A commercial building loan helps purchase or construct business premises, including office building loans for businesses expanding their operations. Note: A commercial building construction loan supports new commercial projects.

Industrial Property Loan

An industrial property loan helps businesses buy factories, manufacturing units, warehouses, or industrial premises for business expansion.

Warehouse Financing

Warehouse financing helps businesses purchase storage facilities for logistics and distribution, reducing rental costs and supporting long-term operations.

Commercial Property Loan Interest Rates

Commercial mortgage interest rates depend on your credit score, business income, loan amount, property type, and tenure. Comparing lenders helps you find competitive rates and lower borrowing costs.

Commercial Property Loan Interest Rates & Charges

Particulars	Details
Interest Rate	Starts from 9.50% p.a.
Loan Amount	Up to ₹10 Crore
Loan Tenure	Up to 20 years
Processing Fee	Up to 3% of the loan amount
Prepayment Charges	As per lender policy
Foreclosure Charges	Applicable depending on lender
Loan-to-Value (LTV)	Up to 75% of property value

Note: Actual terms vary depending on the lender and applicant profile.

Eligibility

Commercial Property Loan Eligibility Criteria

Before applying, it is important to understand the commercial property loan eligibility requirements. Although each lender has its own assessment criteria, most banks and NBFCs evaluate applicants on common parameters.

Commercial Estate Loan Eligibility

Age

21–65 years

Citizenship

Indian Resident

Applicant Type

Proprietor, Partnership, LLP, Private Limited Company, Public Limited Company, MSME

Business Vintage

Usually 2–3 years

Credit Score

700+ preferred

Business Stability

Stable revenue and repayment capacity

Property

Legally approved commercial property

Documents Required for Commercial Property Loan

Documents

Keeping your documents ready before applying speeds up verification and improves commercial estate loan approval timelines.

Identity Proof

Aadhaar Card

PAN Card

Passport

Voter ID

Address Proof

Utility Bill

Passport

Driving Licence

Business Proof

GST Certificate

Udyam Registration

Business Registration

Income Proof

ITR

Profit & Loss Statement

Balance Sheet

Bank Statements

Last 6–12 months

Property Documents

Sale Agreement

Title Documents

Approved Plan

Photographs

Passport-size photographs

Loan Amount, LTV & Repayment Tenure

The sanctioned amount depends on your repayment capacity, property valuation, and lender policies.

Most lenders finance up to 75% of the property's market value. The remaining amount is generally contributed by the borrower as a down payment. The commercial property loan LTV (Loan-to-Value ratio) represents the percentage of the property's value that the lender is willing to finance.

Property Value	Maximum Funding (Approx.)
₹50 Lakh	Up to ₹37.5 Lakh
₹1 Crore	Up to ₹75 Lakh
₹2 Crore	Up to ₹1.5 Crore
₹5 Crore	Up to ₹3.75 Crore

Note: The approved commercial property loan LTV depends on property quality, borrower profile, and lender assessment.

Repayment Tenure

Property loans generally offer repayment flexibility.

Loan Amount	Typical Tenure
Up to ₹50 Lakh	Up to 15 Years
₹50 Lakh–₹5 Crore	Up to 20 Years
Above ₹5 Crore	As per lender policy

Commercial Property Loan EMI Calculator

Calculating your EMI before applying helps you understand your monthly repayment obligation and choose a suitable tenure.

Use My Mudra’s EMI Calculator to compare repayment options before finalising your loan application, plan cash flow more effectively, and select an affordable repayment structure.

Loan Details

Loan Amount

₹

₹1,000₹100,000,000

Interest Rate

1%50%

Tenure

months

6 months180 months

Results

Monthly EMI

₹23537

Total Payable

₹564882

Interest Amount

₹64882

11.5%

Loan Against Commercial Property

A loan against commercial property enables businesses to use their existing commercial property as collateral to raise funds for expansion, working capital, machinery purchase, or other business needs.

A commercial mortgage loan helps unlock your property's value without selling it. Many lenders also offer funding against offices, factories, warehouses, and shops through a commercial property mortgage.

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Construction Loan for Commercial Property

A construction loan for commercial property helps businesses build offices, shops, warehouses, hotels, or industrial units. Loan funds are usually released in stages as construction progresses.

Many lenders also finance large commercial projects after assessing the project plan, estimated costs, and repayment capacity. This helps businesses complete construction with planned funding.

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Commercial Land Loan & Commercial Plot Loan

A commercial land loan helps businesses purchase land for warehouses, industrial units, retail spaces, or future commercial developments, making it easier to expand business operations.

A commercial plot loan is available for eligible commercial plots with clear ownership. Lenders assess the property's location, value, and your repayment capacity before approving the loan.

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Commercial Shop Loan

A commercial loan for shop helps businesses purchase retail outlets, showrooms, franchise stores, restaurants, or service centres, allowing them to own business premises instead of paying regular rent.

Before applying for a loan to purchase commercial property, compare lenders based on interest rates, loan amount, processing fees, and repayment options to choose the most suitable financing solution.

Apply Now

Top Banks & NBFCs Offering Commercial Property Loans

At My Mudra, you can compare commercial estate loan offers from leading lending partners through a single application instead of approaching each lender separately.

Compare Commercial Property Loans

Lender	Interest Rate (Latest Published)	Max Loan Amount	Max Tenure	Processing Fee
HDFC Bank	9.50%–11.00% p.a. (commercial property / LAP)	As per eligibility	Up to 15 years	As applicable (varies by product & profile)
ICICI Bank	Repo-linked; rate not published on product page	As per eligibility	Up to 15 years	As applicable
Axis Bank	Starting from 9.25% p.a.	As per eligibility	Up to 15 years	As applicable
Kotak Mahindra Bank	Starting from 9.50% p.a.	Up to ₹5 crore	Up to 15 years	1% + GST + statutory charges
IDFC FIRST Bank	Starting from 9.50% p.a.	Up to ₹15 crore	Up to 25 years	As applicable
Tata Capital	Fixed 13%–17% p.a. (LAP page)	As per eligibility	Up to 15 years	Up to 3% of sanctioned amount + GST

Disclaimer: Compare lenders carefully before applying, as repayment flexibility, eligibility criteria, and charges can differ significantly.

Simple Online Process

How to Apply Online for a Commercial Property Loan

Applying through My Mudra is completely digital and designed to simplify your borrowing experience.

Visit My Mudra

Navigate to the Loan Against Property section and start your online application.

Click on Apply Now

Review the privacy notice, click Apply Now, and verify your mobile number to proceed.

Enter Company Details

Provide your company information, including basic business details, annual turnover, and other required information.

Enter Loan Requirements

Specify your loan requirements, complete the remaining details, and confirm your mobile number to continue the application.

Compare Loan Offers

Review multiple offers from partner banks and NBFCs by comparing commercial property loan interest rates, processing fees, tenure, and repayment options.

Complete Your Application

Select the lender that best suits your business requirements and proceed with the lender's application process.

Loan Approval & Disbursal

After successful verification and approval, the sanctioned loan amount is disbursed directly according to the lender's process.

Why Choose My Mudra?

Finding the right financing partner shouldn't involve visiting multiple banks or completing numerous applications. My Mudra simplifies the entire process by bringing multiple lenders together on one trusted platform.

Compare Multiple Lenders: Compare loan offers from leading commercial mortgage lenders, banks, and NBFCs in one place.
Transparent Loan Comparison: Review commercial property loan interest rates, processing fees, repayment tenure, and loan features before making a decision.
Digital Application Process: Complete your application online without unnecessary paperwork or repeated branch visits.
Faster Eligibility Assessment: Understand your eligibility before applying, helping reduce unnecessary loan rejections.
Expert Assistance: Our loan specialists guide you throughout the application journey and help you choose financing options suitable for your business.
Wide Lending Network: Access financing solutions from multiple verified lending partners across India.