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
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
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
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
PricingFor MSMEs, EBR linked to repo rate; SBI page states current EBR as repo rate + 2.65%. For non-MSMEs, 6-month MCLR linked. Final rate is rating and guideline dependent.Effective 9 Jan 2025View source
(Linked to Repo Rate and Currently is Repo Rate + 2.65%) linked (for ) & 6 months linked (for Non-).
- Source
- ABL Commercial Real Estate — official product page
- Page / section
- Features — Pricing
- Accessed
- 1 Sept 2026
- Confidence
- high
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
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
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
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
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
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
Required documentsNot published on the reviewed official product pageEffective 9 Jan 2025View source
The complete page publishes purpose, target group, facilities, quantum by centre, pricing, margin, repayment, fees, security and eligibility but contains no enumerated document checklist.
- Source
- ABL Commercial Real Estate — official product page
- Page / section
- Complete page review
- Accessed
- 1 Sept 2026
- Confidence
- high
Turnover / vintageNot published on the reviewed Commercial Real Estate page; the page states constitution, centre-wise quantum and eligibility routes but no numeric turnover or business-vintage threshold.Effective 9 Jan 2025View source
The complete page publishes purpose, target group, centre-wise quantum, pricing, margin, repayment, fees, security and eligibility but contains no turnover or business-vintage threshold.
- Source
- ABL Commercial Real Estate — official product page
- Page / section
- Complete page review — Purpose, Features and Eligibility Criteria
- Accessed
- 1 Sept 2026
- Confidence
- high
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
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
- Not published on the reviewed official product page; says other charges and appraisal details are communicated before sanction.
Related official documents
Asset Backed Loan — Commercial Real Estate — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗