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Key Benefits
Key Benefits
Interest Rates
Calculators
Documents Required
FAQs

Our Commercial Property Loans

Finance a new or existing commercial property including construction, extension or improvement to make your business goals become reality.

  • Competitive interest rates starting from 8.75%
    Competitive Interest Rates starting at 8.75%
  • Loan upto 10crs
    Loan up to 10 Cr
  • Tenure up to 15 years
    Tenure up to 25 Years

Key Features

Key Benefits
Key Benefits
EMI Break
Ready to take the next step in your career? We can help you do that!
Buy your own commercial space or upgrade your existing one with a Commercial Property Loan that will help you go further.
EMI Break
  • check Buy commercial property of your choice to either for own use or to let out.
  • check Get low interest rates starting at 8.75%.
  • check Avail longer tenure of up to 25 years.
  • check Avail loan of upto 70% of market value of your property.
  • check Avail EMI break in first 3 years of your loan.
  • *T&C Apply
We understand that life can be hard at times.
We can ease it financially by giving you an EMI break when you most need it:
EMI Break
  • check Avail breaks for 3 predefined EMI’s/ PEMI’s in the first 3 years of the loan. Yes!, you pay 11 out of 12 months in the 1st 3 years of the loan.
  • check Salaried customers can avail an EMI Break in March (tax season), Self Employed customers in September (festival season) and Practicing Professionals in June (holiday season).
  • *T&C Apply

Low Interest Rates

We understand the challenges of growing your business. Interest rates on our Commercial Property Loans are designed to help you get a jumpstart on your future

RESIDENT

Salaried

8.75%

To

10.99%

Per Annum
BUSINESS

Self Employed

8.75%

To

10.99%

Per Annum
PRACTICING PROFESSIONALS

Self Employed

8.75%

To

10.99%

Per Annum
*T&C Apply

Calculate Your Savings

EMI Calculator
EMI Calculator
Loan Eligibility
Tax Saving
%
Loan Tenure
Yrs
Ms

Your Monthly EMI

For the years at the % of interest rate

Total Interest Payable

₹45,00,000

Total Payment
(Interest + Principal)

₹90,00,000

How to use the EMI Calculator?

  • Use the sliding button to input the amount you need to avail as a loan.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to generate your monthly and total payment amounts.

How our EMI Calculator can help you:

  • Make a well-informed decision before making any financial commitments.
  • Accurately assess the tenure that would be feasible for your loan repayment.
  • Start long-term financial planning when all your EMI data is easily available.
  • Gauge the amount of interest you would pay and assess your risks with ease.
%
Loan Tenure
Yrs
Ms

Your Home Loan EMI Will Be

Your Home Loan Eligibility

How to use the Eligibility Calculator?

  • Use the sliding button to input your net monthly income. This can include income from multiple sources.
  • Enter the total amount of any existing loans or EMIs.
  • Input the interest rate from 6-15% as per your Credit Evaluation.
  • Adjust the Loan Tenure options (months and years) to your ideal repayment period to generate your Home Loan Eligibility Amount.

How our Eligibility Calculator can help you:

  • Quickly determine the amount you can avail as a Home Loan without any lengthy paperwork and reduce any risk of application rejection.
  • Start planning your future financial investments with greater accuracy.
  • Assess the benefits of a Godrej Finance Loan with ease.
Financial Details
Yr

Income Tax Benefits

Income Tax Payable includes 4% cess.

Income Tax Payable
After Home Loan

Income Tax Payable
Before Home Loan

How to use the Tax Saving Calculator?

  • Select your age with the sliding button.
  • Input your total taxable income amount.
  • Enter your annual principal amount and interest amount paid on your loan in INR to generate the final payable tax amount before and after your Home Loan.

How our Tax Saving Calculator can help you:

  • As per Section 80C and Section 24B of the Income Tax Act 1964, you could be eligible for tax saving benefits via both the principal and interest components of your loan.
  • Our Tax Saving Calculator to accurately arrive at your tax-saving benefits for the year.
  • Account for your tax savings and plan future investments with ease.

Mandatory documents required for commercial property loan for

KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check Latest 1 month salary slip, or a Salary Certificate authorized by the signatory of the company on the letter head
  • check Proof of employment for 2 years (Form 16 or Joining date on salary slip or employer letter or appointment letter etc.)
  • check Last 6 months statement of bank account where salary is credited
  • check Proof of bonus of last 2 years or Variable incentive for last 6 months - Bank statement reflecting the credits and salary slip letter reflecting bonus or variable incentive
Property Documents

Property Documents

Property related documents
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Bank Statements for last 12 months
  • check Business Continuity Proof for 5 years
  • check Tax Audit Report, if applicable
Property Documents

Property Documents

Property related documents
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller
KYC Documents

KYC Documents

Documents for proof of identity and address
  • check Pan Card or Form 60 is a mandatory requirement for the loan application processing
  • check Proof of identity (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
  • check Proof of Address (Aadhaar number/ Valid Passport/ Valid Driving License / Voter’s Identity Card)
Income Documents

Income Documents

Financial documents declaring your income
  • check ITR and Financial statements including P&L, Balance Sheet, COI & Schedules - 2 Years - certified by a Chartered Accountant
  • check Practice Continuity Proof for 5 years
  • check GST challans for last 1 or 2 or 3 quarter since filing of last returns
  • check Tax Audit Report, if applicable
  • check Bank statement showing Rental credits & Registered Rent Agreement, if applicable
Property Documents

Property Documents

Property related documents
  • check Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale
  • check Prior Chain Link title documents
  • check Occupancy Certificate (in case property is ready) or Approved Plan copy (Xerox Blueprint)
  • check Share Certificate (only for Maharashtra), Maintenance Bill, Property Tax Receipt
  • check Payment Receipts or bank account statement showing all the payments made to Seller

FAQs

What is Commercial Property Loan?

A Loan to finance the purchase of new or existing commercial property as well as construction, extension or improvement of commercial property.

Who can avail a commercial property loan?

Salaried and Self employed (professional and non-professionals) NRI not to be funded.

What is maximum term I can avail for Commercial property loans?

You can avail of a Commercial Property Loan for a maximum of 25 years or the age of retirement, whichever is earlier.

What are the documents required for commercial property loans?

Click here to know the documents required for Commercial Property Loan. For applicable fees and charges, refer to Schedule of Charges

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