compare commercial property loan rates in india

Are you thinking of buying a shop, office space, or warehouse for your business? If yes, then knowing about commercial property loans is super important. These loans help you buy or build business-related properties. But here’s the catch — loan rates differ from lender to lender, and that can impact how much you pay back. Let’s explore how to compare commercial property loan rates in India in a simple and smart way.

What is a Commercial Property Loan?

A commercial property loan is money borrowed from a bank or NBFC to buy or build properties used for business. It’s not like a home loan because it’s meant for shops, offices, malls, warehouses, and more. Just like other loans, you repay it over time with interest.

Why Comparing Loan Rates is a Smart Move?

Different banks offer different interest rates on loans. A small difference in rate can save you lakhs of rupees! So, comparing before you borrow is smart. It helps you:

• Save money on interest
• Choose flexible repayment options
• Find the best deal for your business

Top Commercial Property Loan Rates in India (2025)

Let’s look at some of the popular lenders and their interest rates as of now:

Lender Interest Rate (per annum)Loan Amount Processing Fee

1)SBI 8.60% — 10.50%Up to ₹20 Crore1% or ₹50,000 max

2)HDFC Bank9.00% — 11.00%Up to ₹5 Crore0.99% of loan amount

3)ICICI Bank8.75% — 10.25%CustomizableBased on loan typePNB

4) Housing9.25% — 11.50%Up to ₹15 CroreUp to 1.5%

5)Bajaj Finserv10.00% — 12.00%Up to ₹50 Lakh2% of loan amount

Note: Rates may vary based on your credit score, property type, and loan tenure.

Key Factors That Affect Loan Rates

Before approving your loan, lenders check a few important things:

1. CIBIL Score

A high credit score (750+) means better chances of lower interest rates.

2. Property Type

Ready-to-move commercial properties often get better rates than under-construction ones.

3. Loan Tenure

Shorter tenures usually mean lower interest rates, but higher EMIs.

4. Business Profile

A stable and profitable business helps you get loans at better terms.

Tips to Get the Best Commercial Loan Deal

• Improve your CIBIL score before applying
• Compare multiple lenders (banks & NBFCs)
• Check processing fees and hidden charges
• Use online EMI calculators to plan better
• Negotiate with the bank if you have a good relationship or business history

Final Thoughts

Whether you want to grow your startup or expand your shop, a commercial property loan can help you reach your goals. But don’t rush! Take your time to compare commercial property loan rates in India. Even a small difference in rate can help you save big in the long run.

Also read : Tax on Fixed Deposits For Senior Citizens | Tax Exemptions