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Loan To Buy Commercial Property
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Commercial Property Purchase Loan


Grihashakti provides loans for buying space for your business. If you have identified or in the process of identifying your office space, we can help you right from the time you choose a property till the complete payment of loan amount. We provide loans for both new and resale properties.

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Benefits of Grihashakti commercial property loan:

1) Online application ease

You can apply for a loan for commercial property purchase online without any difficulty. You need to click on the “Apply now” button on this page and enter some basic details. Next, upload the requisite documents. Our representatives from Grihashakti will get in touch with you to take the process further. After evaluation of your eligibility and successful verification of documents & the property, your loan will be disbursed.

2) EMI Calculator

Grihashakti offers an EMI calculator online, which helps you ascertain your future monthly outflow. In a few seconds after entering basic details like repayment tenure, interest rate, and loan amount you will get your estimated EMI amount.

Documentation :

Documents required for loan for commercial property purchase are simple. Following are the documents required for salaried and self-employed borrowers:

Document type Salaried Self-employed
Proof of Identity PAN Card
Voters ID
Driving License
Employee Card
PAN Card
Voters ID
Driving License
Proof of Income Last 3 months’ salary slips
2 years’ Form 16
6 months’ bank statement with salary credit
Last 2 years’ ITR with computation
CA audited Financial wherever applicable
6 months primary bank statement
Proof of Residence Aadhaar Card*
Latest Electricity bill/Piped gas monthly bill
Ration Card
Property Tax/Water Bill
Aadhaar Card*
Latest Electricity bill/Piped gas monthly bill
Ration Card
Property Tax/Water Bill

Documents pertaining to the property will also be required.

*Terms and conditions applicable. Loans are sanctioned at the discretion of Fullerton Grihashakti. Please note that Aadhaar numbers should be masked before submission as per regulatory guidelines.

Charges on commercial property loan:

  • Processing fee for commercial property loan is upto 3% of the loan amount.
  • Application fees are as follows:
    1. INR 2,500 for a loan amount less than or equal to INR 10 lakhs
    2. INR 3,500 for a loan amount between10 to 25 lakhs
    3. INR 4,500 for a loan amount between INR 25 lakhs to 50 lakhs
    4. INR 6,000 for a loan amount above INR 50 lakhs
  • Documentation fees of
    1. INR 1,500 for loan amount less than INR 25 lakhs
    2. INR 3,000 for loan amount more than INR 25 lakhs.
  • Stamping fees are as per state laws.

Features of Grihashakti’s Commercial Property Loan

1) Quick processing

Grihashakti has a quick approval and disbursal process for loan for commercial property purchase. You can apply online, post which the the verification is done and approval is given at the earliest. The loan is disbursed within 72 hours* post sanction subject to completion of all the required process.

2) Affordable EMIs

Interest rate on commercial property loan determines your EMI amount towards loan for commercial property purchase. Grihashakti provides Grihashakti offers attractive interest rates on commercial property loan best suited to the borrower’s eligibility and profile.

Eligibility criteria for commercial property loan:

You are eligible for a loan for commercial property purchase from Grihashakti as a salaried resident and as a self-employed resident. We have listed down the types of employers for both.

Salaried Self-employed
MNCs/Listed Public Ltd. Cos/Govt. Self Employed Individual businessmen/ Sole Proprietorship
Organizations Private Ltd Cos / Closely held or unlisted companies / partnerships /proprietorship firms Self Employed Professional - Doctors /Architect's / CAs    

Partnership Firms

Private Limited Companies/ Closely held/ Unlisted Companies

Other than this, the following parameters will also be considered to evaluate your eligibility.

  • CIBIL score must be above 700
  • Good repayment capacity
  • Stable income through employment
  • Good credit history
  • Nature and value of the property to be purchased
  • Credit rating of your business (if applicable)


What is a commercial property loan and how does it work?

Commercial property loan is a loan taken for investing in a property that is used for business or commercial purposes.

How do I apply for a commercial property loan?

You can conveniently apply for a commercial property online through our website. You just need to fill up the application form and one of our representatives will get in touch with you. Otherwise, you can also call on our toll free number or walk into one of our branches closest to your office or residence.

How do I repay a commercial property loan?

You can easily repay a commercial property loan through EMIs. You can repay your EMIs through an ECS debit mandate which will ensure that the EMI amount gets debited automatically every month on a specific date. Alternatively, you can pay your EMIs online by clicking on the “Pay EMI” link on the top menu. You can also submit post dated cheques at your nearest branch.

Which factors affect your commercial property loan eligibility?

Salaried and self employed individuals are eligible for a commercial property loan. There are multiple factors which affect your eligibility such as credit score, repayment history, income, nature and value of the property, etc.

How to get a Commercial property loan with ease?

Once you have selected a commercial property which you wish to buy, you can get in touch with us to avail of a commercial property loan. We will assist you and ensure that the entire loan application process is a comfortable experience for you.





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Happy Owners

Happy Homes
Mr. & Mrs. Vijaya Bhaskar Besta, Secunderabad
Pujan N. Maniar Family, Ahmedabad
Mr. & Mrs. Chandrashekhar Shashtrimath, Karnataka
Rupam Das Family, Kolkata
Mr. & Mrs. Kaithepalli Harishkumar, Vishakhapatnam
Mr. R Sarvanakumar, Chennai
N. Durga family, Chennai
P. Vasanthakumari family, Chennai
Mr. &Mrs. Rakoti Simhachala, Vishakhapatnam
Mr.Hemant Chandramani, Rajkot
Y. Sai Kumari Family, Vishakhapatnam

“Owning a home brings in a sense of satisfaction and pride. The representative from Grihashakti has delivered good service and made our walkthrough in loan process easy. My favourite part in the entire home is the living room, which I have decorated well with special care.”

Mr. & Mrs. Vijaya Bhaskar Besta, Secunderabad

“Nothing compares to the happiness, which you get on moving to a home of your own. We are thankful to Grihashakti for helping us to achieve this happiness – they delivered excellent services in all aspects. Ever since we have moved to our home, our business has been booming!”

Pujan N. Maniar Family, Ahmedabad

“We are really happy to shift to our own place. Thanks to Grihashakti team, who helped us with their good service. The new home is very lucky for us because after we shifted here, I started my own business.”

Mr. & Mrs. Chandrashekhar Shashtrimath, Karnataka

“Having a house of your own gives you a sense of security and fulfilment. Kudos to the Grihashakti team – they are very prompt in their services! Our home is very special to us as we bond together as a family and also spend quality time with friends.”

Rupam Das Family, Kolkata

“We were looking for a home of happiness and peace. Thanks to the Grihashakti team, who helped us to realise this dream of ours. Our home has been very lucky for us – ever since we have shifted to our new home, prosperity followed!”

Mr. & Mrs. Kaithepalli Harishkumar, Vishakhapatnam

“I was very excited when I moved to my first home. Along with purchase of my new home, I also needed some funds to renovate my home. Grihashakti has been very cooperative and made my loan process very smooth. I love the balcony of my house, where I see birds chirping every morning."

Mr. R Sarvanakumar, Chennai

“Our new house is very special to me as it was the first house after our daughter was born. With Grihashakti we completed the loan process very smoothly. I love the hall of my house, where I can watch my daughter play.”

N. Durga family, Chennai

“The best part of our new home is its locality! Situated near a children’s park, now our children get to play during evenings. Service from Grihashakti has been wonderful with speedy and hassle-free loan process.”

P. Vasanthakumari family, Chennai

“Having a home is a special feeling and we experienced this when we moved from our rented accommodation to our own home. We feel fortunate to come across Grihashakti, who made the entire loan journey so simple and fast. My favourite place in the home is the living room, where I can relax with my wife after a day’s work."

Mr. &Mrs. Rakoti Simhachala, Vishakhapatnam

“It was a great feeling to own my first home. I am thankful to Grihashakti for their assistance throughout the loan process. Now my home being closer to my workplace, I can spend a quality time with my family”

Mr.Hemant Chandramani, Rajkot

“Staying in a home of your own has its own comforts. And if it is your first home, the feeling becomes more special. Thanks to Grihashakti as they helped us to realise our dream. The entire home is very special to us as we build sweet memories every day.”

Y. Sai Kumari Family, Vishakhapatnam

“A home of your own makes you feel independent. My mother was so happy when I shifted her to my own home. Grihashakti has been really helpful in making the entire loan process smooth and hassle-free. The favourite place at my home is the living room where I can spend quality time with my mother.”

Ms.Reema Chandiramani, Bhopal

Our home being the first home of our own is very special to me. It has also been a symbol of security for us. Grihashakti has been really quick in their processes and helped us through the entire loan process. Every corner of our home reflects a part of us – happiness and peace!"

Mr. & Mrs. Dinesh Sharman, Bhopal

I really feel proud to own my first home. I am thankful to Grihashakti, as the employees were so cooperative that I didn’t have to visit the branch repeatedly. My favourite in the home is balcony, from where I can see the vast sky."

Ms.Anju Saini, Kishangarh

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For your dream

Fullerton India Home Finance Company Ltd
CIN number: U65922TN2010PLC076972

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