PROJECT LOAN (Secured)
Long-term secured funding for large business and infrastructure projects.
Project Loans are secured financing solutions designed for industrial, manufacturing, and real estate projects. These loans help cover construction, expansion, equipment purchases, and long-term business growth. cash flow.
- Large loan amounts
- Long tenure & flexible structure
- Competitive interest rates
- Ideal for infrastructure & industrial projects
- Funding aligned with project milestones
Eligible Borrower
Companies (Private / Public Limited)
LLPs, Partnership firms
Infrastructure developers / SPVs (Special Purpose Vehicles)
Residency
Borrower entity must be registered and operating in India
Promoter / Sponsor Profile
Promoters should have relevant industry experience
Acceptable credit history of promoters and group entities
No willful defaulter or NPA classification
Project Viability
Technically feasible and economically viable project
Positive DSCR (Debt Service Coverage Ratio) as per bank norms
Acceptable IRR / NPV projections
Project Stage
Clearances and approvals in place (or in advanced stage)
Defined project implementation schedule
Equity / Promoter Contribution
Minimum promoter margin / equity contribution as per bank norms
Proof of infusion of promoter’s contribution
Financial Strength
Adequate net worth of promoters
Ability to meet cost overruns (contingency support)
Credit Assessment
Satisfactory credit rating (internal / external, if required)
Clean banking conduct and repayment history
Security / Collateral
Mortgage / charge on project assets
Assignment of project receivables
Personal / corporate guarantees (as required)
Regulatory & Statutory Compliance
Compliance with RBI norms and sector-specific regulations
Environmental, land, and local authority approvals (if applicable)
Escrow / TRA Mechanism
Trust & Retention Account (TRA) or escrow for project cash flows
Purpose of Loan
Creation of new assets or expansion of existing capacity
Funds to be used only for approved project costs
Duly filled Project Loan Application Form
KYC Documents (Mandatory)
PAN Card of company / firm (mandatory)
PAN & Aadhaar of promoters / directors / partners
Recent passport-size photographs
Entity Registration Documents
Certificate of Incorporation (Company)
Memorandum & Articles of Association (MOA / AOA)
Partnership Deed / LLP Agreement (if applicable)
Board Resolution authorizing borrowing
Promoter / Sponsor Documents
Promoter profile & experience details
Net worth statement of promoters
Credit history / CIBIL report (if required)
Financial Documents
Audited Balance Sheet, Profit & Loss Account & Cash Flow Statements for last 3–5 years
Income Tax Returns of entity and promoters
Existing loan sanction letters and repayment schedules
Project Reports
Detailed Project Report (DPR)
Techno-Economic Viability (TEV) Report
Cost of Project & Means of Finance statement
Projected financials (cash flow, P&L, balance sheet)
Land & Asset Documents
Land ownership / lease documents
Title deed and chain of title documents
Valuation report of land & assets
Encumbrance Certificate
Statutory & Regulatory Approvals
Environmental Clearance (if applicable)
Local authority approvals / NOCs
Industry-specific licenses
RERA approval (for real estate projects, if applicable)
Security / Collateral Documents
Mortgage / hypothecation documents
Assignment of project receivables
Personal / corporate guarantee documents
Bank Statements
Last 6–12 months bank statements of company / firm
Escrow / TRA Documents
Trust & Retention Account (TRA) / Escrow agreement
Comparison of Project Loan Rates and Fees
| Bank | Loan Amount | Business Loan Interest Rates* | Lowest EMI per lakh for Max Tenurer | Processing Fee on the Loan Amount |
|---|---|---|---|---|
|
SBI Bank |
Rs.1Billion Max |
11.20%– 16.30% |
Rs.2,594 for 48 months |
2% to 3% |
|
HDFC Bank |
Rs.50 Lakhs Max |
15.50%– 18.30% |
Rs.2,808 for 48 months |
0.99% onwards. Max 2.50% |
|
ICICI Bank |
Rs.40 Lakhs Max |
12.90%– 16.65% |
Rs.2,270 for 60 months |
0.99% onwards. Up to 2% |
|
Axis Bank |
Rs.50 Lakhs Max |
15.50%to 24% |
Rs.2,405 for 60 months |
Up to 2% |
|
RBL Bank |
Rs.10 Lakhs Max |
20.00%– onwords |
Rs.2,649 for 60 months |
3% |
|
Kotak Bank |
Rs.75 Lakhs Max |
16.00%– 19.99% |
Rs.2,432 for 60 months |
Up to 2% |
|
Lendingkart |
Rs.1 Crore Max |
18.00%– onwords |
Rs.9,168 for 12 months |
2% |
|
Bajaj Finserv |
Rs.30 Lakhs Max |
Interestrate 18% onwards |
Rs.2,938 for 48 months |
Up to 2% |
|
Deutsche Bank |
Rs.50 Lakhs Max |
24.00% |
Rs.3,923 for 36 months |
Up to 3% |
|
Edelweiss |
Rs.30 Lakhs Max |
18.25%onwards |
Rs.2,553 for 60 months |
2% onwards |
|
Fullerton India |
Rs.50 Lakhs Max |
16.00%onwards |
Rs.2,834 for 48 months |
2% |
|
Tata Capital |
Rs.50 lakhs Max |
18.00%onwards |
Rs.2,938 for 48 months |
1.50%to 2.50% |
|
Ziploan |
Rs.5 Lakhs Max |
Interestrate 1-1.5% per month(Flat). |
|
3% |
- Tie-ups with leading financial institutions
- Hassle-free documentation
- Transparent processing
- Customized loan solutions
Finance Your Project With Ease — Apply Now!
