Business, & agriculture finance

Asset Backed Loan - Commercial Real Estate

commercial-real-estate asset-backed finance for office, retail, industrial, warehouse, hospitality and related projects, from ₹10 lakh up to ₹50 crore in metro and urban centres, with 50% .

Interest rate and benchmarkSBI's CRE page links MSME pricing to EBR and says EBR is repo + 2.65%; SBI's current overview lists that EBR benchmark at 7.90% (5.25% repo + 2.65%), effective 15 December 2025. For non-MSMEs, the page says 6-month MCLR-linked; SBI's current 6-month MCLR is 8.60%, effective 15 September 2026. These are published benchmark references, not a promised borrower rate. SBI says pricing depends on borrower/external/scheme-specific rating or bank guidelines. Its linked July 2025 commercial MCLR card has multiple sector, exposure and rating schedules, but the reviewed sources do not identify which schedule or rating applies to this CRE facility; no spread or all-in rate is inferred.Target customers and eligibilityProprietorships, partnerships, companies and LLPs; existing customers, new units with marketable assets and qualifying takeovers Collateral securitySARFAESI-compliant immovable property belonging to the unit, proprietor, partners, directors or near relatives; associate-unit property with common partners/directors or near relatives is also listed

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✓ Manually checked 25 Sept 2026 · active

Offered byState Bank of India

Metro and urban centres; semi-urban limits also published, rural centres excluded

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeConstruction or acquisition of office buildings, retail, industrial or warehouse space, multiplexes, hotels, restaurants, gymnasiums, amusement parks, cold storage and similar real estate repaid from lease, rental, sale or project cash flowsEffective 9 Jan 2025View source

To finance construction / acquisition of real estate such as office buildings, retail space, industrial or warehouse space, multiplex, hotels, restaurants, gymnasium, amusement parks, cold storage etc.

Source: Asset Backed Loan — Commercial Real Estate — official product page
Page / section: Purpose
Accessed: 1 Sept 2026
Confidence: high

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FacilityDrop-line overdraft facilityEffective 9 Jan 2025View source

Facilities Available: Drop-line Overdraft facility.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

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Target customers and eligibilityProprietorships, partnerships, companies and LLPs; existing customers, new units with marketable assets and qualifying takeoversEffective 9 Jan 2025View source

Target Group: Proprietorship/Partnership/Company/. Eligibility lists existing customers, new units with marketable assets and takeovers with satisfactory track record.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Target Group; Eligibility Criteria
Accessed: 1 Sept 2026
Confidence: high

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Loan amount₹10 lakh minimum; metro and urban centres up to ₹50 crore (more than ₹50 crore case by case), semi-urban centres up to ₹25 crore and rural centres nilEffective 9 Jan 2025View source

Minimum loan amount: Rs.10 lakh. Metro & Urban Centres: Up to Rs.50 Cr [more than Rs.50 Cr case-to-case]; Semi-Urban Centres: Rs.25 Cr; Rural Centres: Nil.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Quantum of loan
Accessed: 1 Sept 2026
Confidence: high

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Borrower margin25%Effective 9 Jan 2025View source

Borrower's Margin / Contribution: 25%.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

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Repayment periodDropline overdraft limits sanctioned for 12–72 months, including the moratorium; interest is serviced monthly during the moratoriumEffective 9 Jan 2025View source

Drop-line Overdraft Limit: Limits can be sanctioned for a period of 12 months to 72 months, including the moratorium period. Interest to be serviced monthly during the period of moratorium also.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Repayment Period
Accessed: 1 Sept 2026
Confidence: high

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Processing / upfront fee1% of limits, capped at ₹10 lakhEffective 9 Jan 2025View source

Processing Fee/ Upfront Fee: 1% of the limits (Upper Cap: Rs.10 Lacs).

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Processing Fee / Upfront Fee
Accessed: 1 Sept 2026
Confidence: high

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Other chargesAs per SBI bank guidelines; charges are appraised to the borrower before sanctionEffective 9 Jan 2025View source

Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Other Charges
Accessed: 1 Sept 2026
Confidence: high

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Collateral securitySARFAESI-compliant immovable property belonging to the unit, proprietor, partners, directors or near relatives; associate-unit property with common partners/directors or near relatives is also listedEffective 9 Jan 2025View source

Immovable property ... belonging to Unit, its proprietor/partners/directors or their near relatives, in the name of Associate units with common partners/directors or their near relatives.

Source: ABL Commercial Real Estate — official product page
Page / section: Collateral Security
Accessed: 1 Sept 2026
Confidence: high

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Loan-to-value50% of the realizable value of immovable propertyEffective 9 Jan 2025View source

: 50% of the realizable value of the immovable property.

Source: ABL Commercial Real Estate — official product page
Page / section: Features — Special Feature
Accessed: 1 Sept 2026
Confidence: high

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Geographic limitsMetro and urban centres; semi-urban limits also published, rural centres excludedView source

The manually reviewed product record states: “Metro and urban centres; semi-urban limits also published, rural centres excluded”.

Source: Asset Backed Loan - Commercial Real Estate — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

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The product page states -linked pricing for and 6-month -linked pricing for non-, with rates based on borrower/external/scheme-specific rating or bank guidelines. Current benchmark values are published on separate rate pages. The July 2025 commercial card contains rating/exposure/sector schedules, but no -product-to-schedule mapping was found; these benchmark values must not be presented as final customer rates.

Source: Asset Backed Loan — Commercial Real Estate and current benchmark/rate references
Page / section: page, Pricing; interest overview, ; table, six-month tenor; commercial card, all 8 pages / 15 schedules
Accessed: 25 Sept 2026
Confidence: high

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Documents for MSME applicantsFor applicants SBI classifies as MSME customers, the bank's indicative checklist covers identity, residence and business-address proof; 3 years of audited financials and ITRs; constitution/ownership records; unit, management and associate profiles; statutory approvals; promoter/guarantor asset-liability information; statutory-dues and banking declarations; 2 years of GSTN/VAT returns; and applicable lease, shareholding, related-party, existing-lender and property-title documents. A project report is requested only where term funding is required. SBI says the checklist is indicative and non-exhaustive; it is not CRE-specific and does not establish the list for non-MSME borrowers.View source

The checklist lists 18 document categories, states that it is only indicative and not exhaustive, and directs applicants to their nearest branch for further details. Item 13 applies only if term funding is required.

Source: — Required Documents Check List for Customers
Page / section: page 1, items 1–18 and non-exhaustive checklist note
Accessed: 25 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Finance for income-producing commercial real estate
₹10 lakh minimum
Metro/urban maximum ₹50 crore; semi-urban maximum ₹25 crore
12–72-month dropline overdraft
50%

Eligibility

Target constitutions are proprietorships, partnerships, companies and .
Existing customers, new units with marketable security and qualifying takeovers are listed; rural centres are shown as nil for the maximum quantum.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

For applicants classified by as customers, general indicative checklist asks for identity, residence and business-address proof; audited financial statements for the last 3 years (and a provisional balance sheet if the last audit is over 6 months old); constitution/ownership papers; unit, management and associate profiles; statutory approvals/registrations; promoter/guarantor asset-liability statements and tax returns; statutory-dues and banking-arrangement declarations; the last 3 years' and last 2 years' /VAT returns; and applicable lease, shareholding, related-party, existing-facility sanction and property-title records.
The checklist asks for a project report only if term funding is required. labels the checklist indicative and non-exhaustive and directs applicants to a branch for details. It is not an ABL -specific checklist, and this source does not establish a separate checklist for non- applicants.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees

Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees

Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableRate item

pricing basis · Published value / applicability page says -linked and defines its current as repo + 2.65%

This value is copied from ABL — benchmark references and rate-card scope. Check the table notes before relying on it.

Source: Interest Rates overview, current table and linked commercial spread card · Interest overview block; table, six-month row; commercial card, all 8 pages / 15 schedules Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsSBI ABL CRE — benchmark references and rate-card scopeSeparates the benchmarks SBI publishes from the borrower-specific spread and explains why no final rate is calculated.View tableHide table

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SBI ABL CRE — benchmark references and rate-card scope
Rate item	Published value / applicability
pricing basis	page says -linked and defines its current as repo + 2.65%
Current reference	7.90% = repo 5.25% + 2.65%; effective 15 December 2025. Benchmark reference only, not the borrower's final rate
Non- pricing basis	page says 6-month -linked
Current 6-month reference	8.60%; effective 15 September 2026. Benchmark reference only, not the borrower's final rate
Commercial card	The linked 1 July 2025 card has 15 rating/exposure/sector schedules across 8 pages. The reviewed page/card do not map this facility, borrower rating and exposure to a specific schedule; no spread or all-in rate is selected
Rating / guideline condition	says rate depends on borrower/external/scheme-specific rating or extant bank guidelines

and are different labels in rate information; the product page says , so is not substituted.
The 2025 commercial card is older than the September 2026 benchmark but remains the linked structure page's latest displayed rate-card document; it was inspected in full and its schedule applicability remains unresolved.

Interest Rates overview, current table and linked commercial spread card · Interest overview block; table, six-month row; commercial card, all 8 pages / 15 schedules · accessed 25 Sept 2026Open official source ↗

Table 2 · 18 rows · 2 columnsSBI MSME customer checklist — full published listAll 18 numbered checklist entries are transcribed from the single-page SBI PDF. This is a general, indicative MSME-customer checklist, not an ABL CRE-specific or non-MSME checklist.View tableHide table

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SBI MSME customer checklist — full published list
No.	Document / requirement listed by
1	Identity proof: voter , passport, driving licence, , or signature identification from the proprietor's/partners'/director's existing bankers
2	Residence proof: recent telephone or electricity bills, property-tax receipt, passport or voter for proprietor/partners/directors; proof of business address
3	Complete audited financial statements with CARO and tax-audit report for the last 3 years; provisional balance sheet if the latest audited balance sheet is more than 6 months old
4	Constitution/ownership documents as applicable: memorandum and articles of association, partnership deed, trust deed or society bylaws
5	Brief profile of the unit, management, key persons and industry
6	Associate details and profiles, banking arrangements and associates' financials for the last year
7	Statutory approvals such as /Udyam registration, regulatory licences/approvals, pollution-control certificate and /VAT registration
8	Promoters' and guarantors' asset-liability statements with latest income-tax returns
9	Confirmation that statutory dues are regularly paid
10	Declaration of the unit's existing banking arrangements
11	Income-tax returns for the last 3 years with acknowledged copies
12	/VAT returns for the last 2 years
13	Only if term funding is required: proposed-project report covering machinery, suppliers and prices, capacity-utilisation assumptions, production, sales and projected profit-and-loss and balance sheets
14	Lease agreement(s) where premises are rented
15	Shareholding pattern
16	Declaration of relationship with a director or director's relative of or other banks
17	Existing bankers'/financial institutions' sanction letters and detailed facility terms and conditions
18	Lease deeds/title deeds for properties offered as primary or collateral security

footnote says the checklist is indicative, not exhaustive, and instructs the applicant to contact the nearest branch for further details.
The table preserves the source scope. It must not be read as saying every item is mandatory for every ABL borrower, or that the list applies to non- borrowers.

— Required Documents Check List for Customers · page 1, all 18 numbered entries and checklist-scope footnote · accessed 25 Sept 2026Open official source ↗

Table 3 · 6 rows · 2 columnsSBI general advances processing-fee schedule — applicability contextRelevant general fund/non-fund bands from SBI's current advances tariff, shown separately from the CRE product-page fee; this is not asserted as the CRE fee.View tableHide table

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SBI general advances processing-fee schedule — applicability context
General tariff band / condition	Published charge
Fund/non-fund limits up to ₹50,000	Nil
Above ₹50,000 to ₹5 lakh	₹1,000
Above ₹5 lakh to ₹10 lakh	₹2,000
Above ₹10 lakh to ₹50 lakh	0.40%
Above ₹50 lakh to ₹50 crore	Based on CRA/CUE/BRE rating: SB1–SB4 0.50%; SB5–SB10 0.75%; SB11/unrated 1.00%
Working-capital limits up to ₹5 lakh for qualifying micro/small enterprises	Nil under the tariff's stated exemption

Tariff effective 1 June 2025. The states that product-specific charges apply where prescribed, and its general band is not used to replace the named page's 1%-capped fee. should confirm the applicable charge at sanction.
Applicable charges depend on the schedule's facility, rating, borrower classification, renewal/new-connection and exemption conditions; these rows are not a universal charge quote.

Advances Related Service Charges — C&I, and AGL segments · page 1, unified processing fee table, exceptions and applicability notes · effective 1 Jun 2025 · accessed 25 Sept 2026Open official source ↗

Table 4 · 12 rows · 2 columnsSBI ABL Commercial Real Estate — published termsProduct-page terms refreshed against the currently published SBI page; current rate benchmarks and the full MSME document checklist are preserved in separate linked tables.View tableHide table

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SBI ABL Commercial Real Estate — published terms
Term	Published detail
Purpose	Construction or acquisition of income-producing commercial real estate; repayment is generally from lease/rental, asset sale, project or unit cash flows
Target entity	Proprietorship, partnership, company or
Eligibility routes	Existing credit customers; new units with marketable assets; or takeover with satisfactory track record, credit information report and takeover-norm compliance
Facility	Drop-line overdraft
Amount by centre	Minimum ₹10 lakh; metro/urban up to ₹50 crore (higher case-by-case); semi-urban ₹25 crore; rural nil
Pricing	: -linked; non-: 6-month -linked. Rating/guideline dependent; current base references and rate-card limitation are in the linked pricing table
Borrower contribution	25%
Repayment	12–72 months including moratorium; interest serviced monthly during moratorium
Processing / upfront fee	1% of limits, capped at ₹10 lakh; later general advances tariff retains product-specific charges where prescribed
Other charges	As per guidelines; the bank says charges will be appraised before sanction
Collateral	SARFAESI-compliant immovable property of the unit, proprietor, partners, directors or their near relatives, including eligible associate-unit property with common partners/directors or their near relatives
	50% of realizable immovable-property value

product page was last updated 9 January 2025 and was checked again on 25 September 2026.
The 1% capped processing fee is the fee stated on this named product page. The June 2025 advances tariff is also linked; its general bands are not substituted for the product-page fee without a product-specific mapping.
Turnover and business-vintage thresholds were not found on the full page or in the reviewed general checklist; the public comparison cell remains blank.

Asset Backed Loan — Commercial Real Estate — official product page · Purpose; Features; Eligibility Criteria; Collateral Security; page last updated 9 January 2025 · accessed 25 Sept 2026Open official source ↗

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Asset Backed Loan - Commercial Real Estate

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)