- Key Benefits
- Interest Rates
- Calculators
- Documents Required
- FAQs
Commercial Property Loan
- Key Benefits
- Grow with Nirmaan
Fulfill your ambitions! Purchase, renovate, or expand your commercial space effortlessly with a loan solution that adapts to your needs.
- Low interest rates starting from 9.75% p.a
- Longer tenure of up to 25 years
- Loan-to-value up to 70%
- Loan amount up to INR 10 crore
*T&C Apply
Supercharge your business! Explore Nirmaan, a one-stop platform for all your business needs related to growth, operations, employee management, and more.
- Exclusive partner offerings with discounted pricing.
- Savings of up to INR 50,000
- Zero registration fees
*T&C Apply
Our Partners
Low Interest Rates
Our Commercial Property Loan interest rates are affordable
and favourable, so you can boost your success easily.
RESIDENT
Salaried
BUSINESS
Self-employed
PRACTICING PROFESSIONALS
Self-employed
*T&C Apply
Calculate Your Savings
- Emi Amount
- Loan Eligibility
- Tax Saving
Loan Tenure
Your Monthly EMI
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For the year
Total Interest Payable
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Total Payment (Interest + Principal)
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Loan Tenure
Your EMI Will Be
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Your Eligibility
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Financial Details
Income Tax Benefits
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Income Tax Payable includes 4% cess.
Income Tax Payable After Loan
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Income Tax Payable Before Loan
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- Salaried Individuals
- Self-Employed
- Self-Employed Professional
- Copy of Pan Card or Form 60
- Copy of proof of identity (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
- Copy of proof of address (Aadhar number / Valid Passport / Valid Driving License / Voter’s Identity Card)
- Copy of salary slip for last one month, or a Salary Certificate on the company letterhead (authorized by the signatory of the organization)
- Copy of proof of employment for last 2 years (Form 16 or joining date on appointment letter or salary slip etc.)
- Copy of salary account statement for last 6 months
- Copy of proof of bonus for last 2 years (bank statement) or variable incentive for last 6 months (salary slip)
- Copy of current Registration or Draft Agreement for sale (only for Maharashtra) / allotment letter / stamped agreement for sale
- Copy of Occupancy Certificate (fully constructed property) or approved plan copy (photocopy of the blueprint)
- Copy of Share Certificate (only for Maharashtra), maintenance bill, property tax receipt
- Copy of payment receipts or bank account statement showing payments made to seller
- Prior chain-link title documents
- Pan Card or Form 60 is a mandatory requirement for the loan application processing
- Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
- Bank Statements for last 12 months
- Business Continuity Proof for 5 years
- Tax Audit Report, if applicable
- Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
- Prior Chain Link title documents
- Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
- Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
- Payment Receipts or bank account statement showing all the payments made to Seller
- Pan Card or Form 60 is a mandatory requirement for the loan application processing
- Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
- ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
- Practice Continuity Proof for 5 years
- GST challans for last 1 or 2 or 3 quarter since filing of last returns
- Tax Audit Report, if applicable
- Bank statement showing Rental credits & Registered Rent Agreement, if applicable
- Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
- Prior Chain Link title documents
- Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
- Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
- Payment Receipts or bank account statement showing all the payments made to Seller
*Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.
FAQs
- Commercial Property Loan
- NACH
A Commercial Property Loan is a type of loan specifically designed to finance the purchase, construction, or renovation of commercial real estate. This can include office buildings, retail spaces, warehouses, and other properties used for business purposes. The loan terms, interest rates, and eligibility criteria for commercial property loans can vary depending on the lender and the specific needs of the borrower. These loans typically require the property to serve as collateral and may involve more stringent qualification requirements compared to residential property loans.
Salaried and self-employed individuals (both professionals and non-professionals) are eligible, but NRIs are not eligible for funding.
You can avail of a Commercial Property Loan for a maximum tenure of up to 25 years or till the age of retirement, whichever is lower.
Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges
National Automated Clearing House (NACH) is a centralized structure created to make payments more accessible and cost-effective. It offers a fast and efficient clearing platform. The NACH debit mandate is used by Godrej Capital to automatically deduct monthly instalments from your bank account for the loan availed.
There are two ways to cancel NACH mandate.
- You can log in to the Customer Portal and request to cancel the mandate through the Write to Us section.
- You can also send an email to customercare@godrejcapital.com through registered email ID or call our Customer Care at +91 22 68815555 through a registered mobile number and place a request for NACH mandate cancellation.
Kindly ensure to provide the Loan Account Number (LAN) when making the request, and our team will reach out to you within 48 hrs.
