Commercial Property Loan
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Finance Your Dream Home With The Right Funding Solutions.
Aadhya Financial Consultancy helps home buyers secure the right home loan solutions through a strong network of banks and NBFCs across India. Backed by deep financial expertise and personalised guidance, we help clients identify the right funding structure based on their profile while managing the complete process from consultation and documentation to final disbursement.
Commercial Property Loan Eligibility
Commercial Property Loan eligibility is assessed based on the applicant’s financial profile, property type, and overall funding requirements. We work with salaried individuals, self-employed professionals, companies, and business entities across office spaces, retail premises, warehouses, and other commercial property types, helping them identify suitable funding solutions based on their financial profile.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Commercial Property Loan Types
Owner-Occupier Commercial Loan
Funding solutions for business owners purchasing commercial property for their own operational use. We help identify lenders best suited for owner-occupier requirements and structure financing aligned with business stability and cash flow planning.
Commercial Property Investment Loan
Designed for individuals and entities investing in commercial real estate for rental income, long-term appreciation, or portfolio diversification. We structure financing based on income potential, investment strategy, and overall financial profile.
Corporate Commercial Property Loan
Tailored funding solutions for companies and firms acquiring commercial property for operational or strategic expansion. Assessment is based on business financials, balance sheet strength, and property viability to ensure the most suitable funding structure.
| A | Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|---|
| 1 | PAN Card | Mandatory | |
| 2 | Aadhaar Card | Mandatory | |
| 3 | Passport-size photographs | Mandatory | |
| 4 | Residence address proof (Utility Bill / Rent Agreement) | Mandatory | |
| 5 | Additional Photo ID (Passport / Voter ID / Driving Licence) | If Applicable | |
| B | Sr. No. | Constitution & Business Existence | Requirement |
| 1 | Business address proof | Mandatory | |
| 2 | Shop & Establishment / Gumasta / Trade Licence | Mandatory | |
| 3 | GST Registration Certificate (GSTIN) | If Applicable | |
| 4 | Udyam / MSME Registration | If Applicable |
| A | Sr. No. | Income & Financial Documents | Requirement |
|---|---|---|---|
| 1 | ITR + Computation – Last 3 Years | Mandatory | |
| 2 | Audited Financials (Balance Sheet, Profit & Loss, Schedules) – Last 3 Years | If Applicable | |
| 3 | Tax Audit Report (Form 3CA/3CB-3CD) – Last 3 Years | If Applicable | |
| 4 | Provisional / Current-Year Financials (Signed) | If Applicable | |
| 5 | 26AS / AIS – Last 2–3 Years | Mandatory | |
| 6 | GST Returns (GSTR-3B) – Last 12 Months | If Applicable | |
| B | Sr. No. | Banking | Requirement |
| 1 | Individual Savings Account Statement – Last 6–12 Months | Mandatory | |
| 2 | Business Current / CC / OD Account Statement – Last 12 Months | Mandatory |
| A | Sr. No. | Property / Collateral | Requirement |
|---|---|---|---|
| 1 | Sale Agreement / Sale Deed / Chain of Title | If Applicable | |
| 2 | Registered Title Chain + Title / Search Certificate | If Applicable | |
| 3 | Approved / Sanctioned Building Plan | If Applicable | |
| 4 | Occupancy / Completion Certificate (OC/CC) | If Applicable | |
| 5 | Latest Property Tax Receipt / Bill | If Applicable | |
| 6 | Society Registration + Share Certificate / NOC | If Applicable | |
| 7 | Valuation Report (Bank-Empanelled Valuer) | If Applicable | |
| 8 | Encumbrance Certificate / Search Report | If Applicable | |
| B | Sr. No. | Existing Obligations | Requirement |
| 1 | Sanction Letters of All Running Loans | If Applicable | |
| 2 | Loan Statements + EMI Track – Last 12 Months | If Applicable | |
| 3 | Foreclosure / LOD Letter (Balance Transfer / Takeover) | If Applicable | |
| C | Sr. No. | Application & Fees | Requirement |
| 1 | Duly Filled & Signed Loan Application Form | Mandatory | |
| 2 | Processing / Login Fee Payment Proof | Mandatory | |
| 3 | PDCs / NACH-ECS Mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 6 | Salary slips – latest 3 months | Mandatory |
| 7 | Form 16 – latest 2 years | Mandatory |
| 8 | Employment continuity / appointment letter | If applicable |
| 9 | ITR + computation – last 3 years | If applicable |
| 10 | 26AS / AIS – last 2-3 years | If applicable |
| Sr. No. | Banking | Requirement |
| 11 | Salary account statement – last 6 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 12 | Sale agreement / sale deed / chain of title | If applicable |
| 13 | Registered title chain + Title / Search certificate | If applicable |
| 14 | Approved / sanctioned building plan | If applicable |
| 15 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 16 | Latest property tax receipt / bill | If applicable |
| 17 | Society registration + share certificate / NOC | If applicable |
| 18 | Valuation report (bank-empanelled valuer) | If applicable |
| 19 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 20 | Sanction letters of all running loans | If applicable |
| 21 | Loan statements + EMI track – last 12 months | If applicable |
| 22 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 23 | Duly filled & signed loan application form | Mandatory |
| 24 | Processing / login fee payment proof | Mandatory |
| 25 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Professional qualification & practice licence | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | Mandatory |
| 8 | GST Registration Certificate (GSTIN) | If applicable |
| 9 | Udyam / MSME Registration | If applicable |
| Sr. No. | Income & Financial Documents | Requirement |
| 10 | ITR + computation – last 3 years | Mandatory |
| 11 | Audited financials (BS, P&L, schedules) – 3 years | If applicable |
| 12 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 13 | Provisional / current-year financials (signed) | If applicable |
| 14 | 26AS / AIS – last 2-3 years | Mandatory |
| 15 | GST returns (GSTR-3B) – last 12 months | If applicable |
| Sr. No. | Banking | Requirement |
| 16 | Individual savings a/c statement – 6-12 months | Mandatory |
| 17 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 18 | Sale agreement / sale deed / chain of title | If applicable |
| 19 | Registered title chain + Title / Search certificate | If applicable |
| 20 | Approved / sanctioned building plan | If applicable |
| 21 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 22 | Latest property tax receipt / bill | If applicable |
| 23 | Society registration + share certificate / NOC | If applicable |
| 24 | Valuation report (bank-empanelled valuer) | If applicable |
| 25 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 26 | Sanction letters of all running loans | If applicable |
| 27 | Loan statements + EMI track – last 12 months | If applicable |
| 28 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 29 | Duly filled & signed loan application form | Mandatory |
| 30 | Processing / login fee payment proof | Mandatory |
| 31 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | Business address proof | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | If applicable |
| 10 | Partnership Deed (registered) | Mandatory |
| 11 | Firm Registration Certificate (Registrar of Firms) | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 2-3 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC (Partners) | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN Card | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | LLP Agreement | Mandatory |
| 11 | Certificate of Incorporation | If applicable |
| 12 | Board Resolution / Authority letter (loan + signatory) | If applicable |
| 13 | List of partners/directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sale agreement / sale deed / chain of title | If applicable |
| 23 | Registered title chain + Title / Search certificate | If applicable |
| 24 | Approved / sanctioned building plan | If applicable |
| 25 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 26 | Latest property tax receipt / bill | If applicable |
| 27 | Society registration + share certificate / NOC | If applicable |
| 28 | Valuation report (bank-empanelled valuer) | If applicable |
| 29 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Existing Obligations | Requirement |
| 30 | Sanction letters of all running loans | If applicable |
| 31 | Loan statements + EMI track – last 12 months | If applicable |
| 32 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
| Sr. No. | Identity & Address KYC | Requirement |
|---|---|---|
| 1 | PAN Card | Mandatory |
| 2 | Aadhaar Card | Mandatory |
| 3 | Passport-size photographs | Mandatory |
| 4 | Residence address proof (utility bill / rent agmt) | Mandatory |
| 5 | Additional photo ID (Passport / Voter ID / DL) | If applicable |
| Sr. No. | Constitution & Business Existence | Requirement |
| 6 | PAN CARD | Mandatory |
| 7 | Shop & Establishment / Gumasta / Trade licence | If applicable |
| 8 | GST Registration Certificate (GSTIN) | Mandatory |
| 9 | Udyam / MSME Registration | Mandatory |
| 10 | Certificate of Incorporation | Mandatory |
| 11 | Memorandum & Articles of Association (MOA & AOA) | Mandatory |
| 12 | Board Resolution / Authority letter (loan + signatory) | Mandatory |
| 13 | List of directors + profit-share/shareholding | Mandatory |
| Sr. No. | Income & Financial Documents | Requirement |
| 14 | ITR + computation – last 3 years | Mandatory |
| 15 | Audited financials (BS, P&L, schedules) – 3 years | Mandatory |
| 16 | Tax Audit Report 3CA/3CB-3CD – 3 years | If applicable |
| 17 | Provisional / current-year financials (signed) | Mandatory |
| 18 | 26AS / AIS – last 3 – 4 years | Mandatory |
| 19 | GST returns (GSTR-3B) – last 12 months | Mandatory |
| Sr. No. | Banking | Requirement |
| 20 | Individual savings a/c statement – 6-12 months | If applicable |
| 21 | Business Current / CC / OD statement – 12 months | Mandatory |
| Sr. No. | Property / Collateral | Requirement |
| 22 | Sanction letters of all running loans | If applicable |
| 23 | Loan statements + EMI track – last 12 months | If applicable |
| 24 | Foreclosure / LOD letter (balance transfer / takeover) | If applicable |
| Sr. No. | Property / Collateral | Requirement |
| 25 | Sale agreement / sale deed / chain of title/draft agreement | If applicable |
| 26 | Registered title chain + Title / Search certificate | If applicable |
| 27 | Approved / sanctioned building plan/ floor plan | If applicable |
| 28 | Occupancy / Completion Certificate (OC/CC) | If applicable |
| 29 | Latest property tax receipt / bill | If applicable |
| 30 | Society registration + share certificate / NOC | If applicable |
| 31 | Valuation report (bank-empanelled valuer) | If applicable |
| 32 | Encumbrance certificate / search report | If applicable |
| Sr. No. | Application & Fees | Requirement |
| 33 | Duly filled & signed loan application form | Mandatory |
| 34 | Processing / login fee payment proof | Mandatory |
| 35 | PDCs / NACH-ECS mandate | Mandatory |
Documents for Commercial Property Loan Application
Documentation requirements vary depending on whether the applicant is an individual or a business entity. Typically, individuals require KYC, income proof, and property documents, while businesses additionally require ITR, audited financial statements, GST registration, and business proof. Aadhya Financial Consultancy provides complete guidance on documentation and ensures the application is well-prepared and accurately positioned before submission.
Commercial Property Loan Calculator
Use our Commercial Property Loan Calculator to estimate your EMI and plan your commercial property acquisition with clarity. Enter your loan requirement, indicative repayment structure, and tenure preference to understand your monthly obligation and evaluate how the financing aligns with your financial plan.
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EMI CALCULATOR
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Make Your Commercial Property Acquisition Simple and Structured.
Share your property details and funding requirements with Aadhya Financial Consultancy. We will assess your profile, identify suitable funding solutions from our network of banks and NBFCs, and guide you through a smooth, well-structured approval process with complete end-to-end support.
