About Galaxy Finserv

Galaxy Finserv is a registered financial service provider based in Kolkata. Galaxy Finserv is a loan assistance service provider and not a direct lender, offering assistance in securing personal, business, and other types of loans through trusted banking and NBFC partners across India.

• UDYAM Registration No: UDYAM-WB-10-0150997

• Type: Micro Enterprise

• Business Activity: Financial Services (Loan Assistance)

• Established: 2023

Loan Against Property (Commercial)

Unlock value of your property for personal or business needs

Leverage the value of your commercial property to access high-value funding for business expansion, working capital, debt consolidation, or other financial needs. A Loan Against Commercial Property (LAP) offers competitive interest rates and flexible repayment options while you continue to own and use your property. Use for

• Business expansion

• Working capital

• Debt consolidation

• Personal financial needs

• Competitive interest rates

• Flexible repayment options

• High loan amount based on property value

Galaxy Finserv acts as a loan facilitator and connects applicants with RBI-registered banks and NBFCs. Final loan approval is subject to lender policies and eligibility.

Loan Benefits

Secure funds by leveraging your property with ease and confidence.

Benefits

• Lower ROI vs Unsecured Loans – Cost-effective funding
• High Loan Value – Unlock property potential
• Flexible End Use – Business or personal financial needs (as permitted by lender)
• Long Tenure – Manageable EMI structure
• Retain Ownership – Continue using or earning rental income

Key Features

• Loan Amount: Up to 60%–65% of property value (as per lender assessment)
• Approval Time (TAT): 4–7 working days (may vary based on profile & documentation)
• Rate of Interest (ROI):
10.5% to 17% per annum (indicative; final rate depends on applicant profile, lender, and property type)
• Loan Tenure: Up to 12–15 years (subject to lender terms)
• Property Type: Office, shop, showroom, commercial units
• Balance Transfer & Top-Up: Available (as per lender approval)

Eligibility Criteria

Eligibility Criteria

• Self-employed individuals / business owners / professionals
• Salaried individuals (in select cases, subject to lender approval)
• Ownership of clear and marketable commercial property
• Stable income or profitable business
• Minimum 2–3 years income/business vintage
• Good CIBIL score preferred (650+) (not mandatory; subject to lender evaluation

Documents Required

👤 KYC & Financial Documents
• PAN Card & Aadhaar Card
• Address Proof
• ITR (last 2–3 years)
• Bank statements (last 6 months)
• Business proof (GST / Trade License, if applicable)

ELIGIBILITY CHECK

🏢 Property Documents (West Bengal – Kolkata)

• Title Deed (Mother Deed) – Clear ownership chain
• Sale Deed / Conveyance Deed
• Chain Documents (20–30 years history)
• Mutation Certificate (KMC / Municipality records)
• Latest Property Tax Paid Receipts
• Approved Building Plan (Sanctioned Plan)
• Completion Certificate (CC)
• Occupancy Certificate (OC) – Mandatory for commercial usage
• Trade License / Commercial Use Approval
• Encumbrance Certificate (EC) – Free from legal dues
• Lease/Rent Agreement (if property is rented)
• Society NOC (if applicable)
• Utility Bills (Electricity / Water)

Why Choose Us?

We provide structured funding solutions to maximize your commercial property value:

• Multiple lender options from banks & NBFCs
• Assistance in improving loan eligibility & structuring
• Guidance on commercial property documentation (Kolkata specific)
• Faster processing & coordination support
• Assistance for varied CIBIL profiles (subject to lender approval)

Important Disclosure

• We are not a direct lender. We are a financial service provider facilitating loans through partnered banks/NBFCs.
• Loan approval, interest rate, and disbursal are solely at the discretion of the respective lender.
• Terms and conditions apply.

For commercial LAP in Kolkata & West Bengal, the following documents are generally required:

Contact

Contact us for loan guidance

Chatterjee International Centre , 19th Floor, Room no. 6 ,33A, Jawaharlal Nehru Road,Park Street, Kolkata 700071

+91-75960 57715

Copyright © Galaxy Finserv. All rights reserved.

Address

Email

Phone

support@galaxy-finserv.com

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