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Our Commercial Property
Loan
Key Features
- Key Benefits
- Grow with Nirmaan
With our Commercial Property Loan, you can now purchase your commercial space or upgrade your existing property, enabling you to fulfill your dreams!
- Enables commercial property purchase for own use or rent out
- Low interest rates starting at 9.75%
- Longer tenure of up to 25 years
- Loan of up to 70% of the market value of the property
*T&C Apply
With Godrej Capital Nirmaan, get access to a wide range of value-added services to help in business expansion, managing operations, upskilling, and more. A one-stop solution for all your business needs!
Why to register with Nirmaan?
- Exclusive partner offerings
- Special discounted pricing
- Total savings of up to INR 50,000
*T&C Apply
Our Partners
Low Interest Rates
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 years at the % of interest rate
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
It is a loan to finance the purchase of a new or existing commercial property. The funds obtained from this loan can be directed towards the construction, extension, or improvement of a commercial property.
All customers,salaried or self-employed NRIs (professional and non-professionals) can avail of this loan.
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
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