Aditya Birla Finance Commercial Property Loan

Aditya Birla Finance’s commercial property loan is a scheme to assist businesses in availing a property loan to set up commercial properties for various purposes, such as constructing office space, retail outlets, or storage facilities. Key features of this loan include collateral secured against the commercial property, a repayment tenure of up to 15 years, and the ability to borrow up to 65% of the property's value. Eligibility is determined based on the income criteria set by Aditya Birla Finance Limited (ABFL). Additional benefits include attractive interest rates, flexible repayment options (either EMIs or structured repayment), convenient doorstep services, and balance transfer options, making it an ideal choice for businesses looking to invest in commercial real estate.

Aditya Birla Finance Commercial Property Loan Features

The features of Aditya Birla Finance commercial property loan are as follows:

• Secured loan against commercial property
• Maximum repayment period of up to 15 years
• Up to 65% of the property’s value
• Attractive interest rates
• Flexible EMI options and Balance transfer options

Aditya Birla Finance Commercial Property Loan Interest Rates

Aditya Birla Finance commercial property loan rate of interest and other key highlights are as follows:

Aditya Birla Finance Commercial Property Loan Eligibility

To be able to avail of an Aditya Birla Finance commercial property loan, the applicant must meet the following eligibility criteria:

• Minimum Age – 21 years
• Maximum Age – 60 years at the time of loan maturity
• A stable income source

Aditya Birla Finance Commercial Property Loan Documents Required

It is advisable to keep the following documents with you if you wish to avail of an Aditya Birla Finance Commercial Property Loan:

Applicants must provide passport-sized photographs and identity proof such as an Aadhaar card, Voter ID card, Passport, or Driving License. For address verification, documents like a Voter ID, Driving License, Passport, Electricity bill, or Telephone bill are acceptable. Salaried individuals must submit the last two years’ income tax returns, three months’ salary slips, and six months’ bank statements. Self-employed applicants must provide proof of business continuity, last year’s bank statements, and a profit and loss account statement. Additionally, property documents are required for the application process.

Aditya Birla Finance Commercial Property Loan Fees & Charges

In addition to the Aditya Birla Finance commercial property loan rate of interest, there are other applicable fees and charges you must be aware of, such as:

Aditya Birla Finance Commercial Property Loan – Terms & Conditions

• Aditya Birla Finance provides commercial property loans secured by a mortgage on the acquired or constructed property.
• The loan amount can exceed 60% of the property’s value. You can choose between fixed or floating interest rates. 
• The loan tenure is up to 15 years.
• Applicants must submit proof of identity, address, income, and property documents. If the loan is not fully repaid by the end of the term, the bank may take and sell the property to recover the owed amount. Therefore, it’s essential to carefully assess your financial capability and repayment plan before applying.