Buy the premises your business is already paying rent for.
Acquisition funding for a ready or under-construction commercial unit — office, shop, showroom, clinic, godown or industrial shed — whether you will occupy it yourself or hold it as an investment.
What the lender actually funds
Funding is calculated on the lower of the registered agreement value and the lender's own valuation — and only on the basic cost. Stamp duty, GST, registration, brokerage, parking charges and society transfer fees are excluded, so plan for 25–40% of the all-in cost from your own funds.
Owner-occupied purchases underwrite more easily than investment purchases. When the buyer will operate from the unit, the lender can see the rent saving directly offsetting the EMI. A purely investment purchase is assessed on your existing business cash flow plus any committed lease.
Under-construction units are funded in tranches against the builder's demand letters, and the lender will insist on RERA registration for the project. Pre-EMI interest runs on the disbursed portion until the final tranche — a cost line buyers routinely forget when they are still paying rent elsewhere.
Indicative pricing in 2026
Commercial purchase is priced above home-loan rates. Owner-occupied files with audited financials attract the sharpest end of each band.
Public Sector Banks
Tier-1 Private Banks
NBFCs & HFCs
What buyers get wrong on commercial acquisitions
Under-declaring the agreement value
A registered value set below the true consideration to save stamp duty caps your loan immediately, because funding is computed on the registered figure. The duty saved is almost always smaller than the funding lost, and it creates a Section 50C problem for the seller as well.
Ignoring GST on under-construction units
GST applies to under-construction commercial units and is not fundable. On a large purchase that is a substantial cash outflow at the tranche stage, on top of stamp duty and registration. Ready units with occupancy certificates fall outside GST.
Treating the builder's title as verified
A well-known developer is not a substitute for a title investigation report. Buyers have paid booking amounts on units where the land title, mutation or conversion was unresolved, then found no lender would fund it. Have the title cleared before the advance leaves your account.
Documents required
Incomplete files cause most multi-week delays. We assemble the full set upfront, in the order credit teams read it.
KYC & constitution
- PAN & Aadhaar of all promoters / partners / directors
- Certificate of incorporation, MOA-AOA or partnership deed
- Board resolution or partners' authority letter
- GST registration & trade licence
Financials
- 3 years ITR with computation of income
- Audited balance sheet, P&L and schedules
- 12 months' bank statements of all operating accounts
- GST returns (GSTR-3B) for the last 12 months
- Existing loan sanction letters & repayment track record
Transaction papers
- Registered agreement to sell or allotment letter
- Builder demand letters & payment schedule
- RERA registration certificate for the project
- Title chain, sanctioned plan & occupancy certificate
- Own-contribution proof and source of margin money
Purchase timeline
Get the sanction in hand before you commit the advance — not after.
In-principle sanction first
We establish your eligible quantum on financials alone, so you negotiate with the seller knowing your real ceiling.
Property due diligence
Title investigation, valuation, plan sanction and RERA status checked before any non-refundable money moves.
Final sanction & agreement
Sanction letter issued against the registered agreement; margin money and duty scheduled.
Registration & disbursal
Disbursal to the seller or builder against registration, or in tranches for under-construction units.
Related facilities & deep-dive guides
Every facility below is placed through the same 80+ lender panel. The long-form guides carry the working numbers, worked examples and lender-by-lender detail.
Frequently Asked Questions
The questions our advisory desk is asked most often about Commercial Purchase Loan.
Budget 25–40% of the all-in cost. Lenders fund 60–75% of the basic cost only, and stamp duty, registration, GST where applicable, brokerage and society charges are all outside the loan.
On a ₹2 Cr office with duty and incidentals, that usually means ₹60–80 Lakh of your own money. Lenders will also want to see the source of that margin.
Yes, if the project is RERA-registered and the developer is on the lender's approved list. Disbursal is tranched against construction-linked demand letters, and pre-EMI interest runs on the drawn amount from the first tranche.
Projects without RERA registration, or with unresolved land title, are generally declined by banks regardless of how the pricing looks.
Usually yes, by roughly 25 to 100 basis points. The lender is funding a fresh, documented transaction at a known price with a clear end-use, which is easier to underwrite than a general-purpose facility against an existing asset.
Tenure is also often longer on a purchase, which reduces the EMI even at a similar rate.
As a rule, no. Duty, registration, GST and brokerage sit outside the funded cost and must come from your own resources.
Where the borrower is a company with existing banking limits, we occasionally structure a separate small facility to bridge these costs, but it is priced and assessed separately.
That structure is common and lenders are comfortable with it, provided both entities file returns and the lease between them is registered and at an arm's-length rent.
Expect the credit team to look at the consolidated position of the group rather than the buying entity in isolation, and to take cross-guarantees from the promoters.
Tell us what you need. We'll do the running around.
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