Home / Commercial Property Loans / Commercial Plot Loan
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Finance approved commercial land parcels.
Acquire approved commercial plots for future development — through the select banks and NBFCs that fund land transactions.
30–50%
Typical LTV on plots
Select
NBFC & bank appetite
3–10 yrs
Tenure
Overview
Land is the hardest asset to finance — structure matters
Most banks avoid pure land funding; the lenders that do it cap LTV at 30–50% and want approved, non-agricultural plots with clear development intent.
Pairing the plot purchase with a construction-finance commitment often unlocks better terms — we structure both legs together.
At a glance
AssetApproved non-agricultural commercial plots
LTV30–50% of valuation
LendersSelect NBFCs & banks
StructureStronger when paired with construction plan
Who is eligible?
- Approved commercial / industrial land with NA status
- Clear title and demarcation
- Buyer with strong income & banking profile
- Credible development plan for the parcel
- Margin of 50%+ available
Documents you'll need
- Plot title documents & NA order
- Layout approval & zoning certificate
- 3 years' ITR & financials
- Bank statements
- Development intent note
Eyeing a commercial plot? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility