Loan for Builder/Developer · Mumbai
Get Funding Against Your Unsold Property Inventory
Mumbai builders and developers can access up to ₹50 Crore in working capital against eligible completed, unsold inventory—without distress-selling units.
Loan Against Unsold Inventory for Builders & Developers in Mumbai
Key benefits
Liquidity without discounting your units
Who it is for
- Real estate builders
- Developers and promoters
- Project owners with completed unsold inventory
- Construction and property-development companies
- Businesses seeking liquidity without selling inventory at a discount
Use cases
- Improve project cash flow
- Fund new project opportunities
- Reduce high-cost borrowings
- Support construction or completion costs
- Strengthen sales and marketing activity
- Manage business working-capital requirements
Eligibility criteria
- Project must have a valid Occupancy Certificate (OC)
- Applicant or developer must have a CIBIL score of 730 or above
- CMR must be between 1 and 5
- No defaults in any existing or previous loans
- Final approval is subject to lender credit assessment, legal and technical due diligence, project evaluation, and documentation
Loan features
| Feature | Details |
|---|---|
| Loan amount | Up to ₹50 Crore |
| Interest rate | Starting below 8.15%* |
| Processing fee | 0.35% |
| Tenure | Up to 10 years |
| DSRA | Not required |
| Escrow | Not required |
| TDS | Not applicable |
| Lock-in period | No lock-in |
| Foreclosure charges | No foreclosure charges |
| Indicative disbursal | As little as 2 weeks* |
FAQ
Questions builders ask us
What is a loan against unsold inventory?
It is a funding facility where eligible real estate builders or developers can raise working capital against completed, unsold property inventory.
Who can apply?
Mumbai-based builders, developers, promoters, and project owners with eligible completed projects and unsold inventory can apply.
Is an Occupancy Certificate mandatory?
Yes. A valid Occupancy Certificate (OC) is a mandatory eligibility requirement.
What is the minimum CIBIL score required?
The applicant or developer should generally have a CIBIL score of 730 or above.
What is the eligible CMR range?
The CMR should be between 1 and 5.
Can developers with past loan defaults apply?
Applicants should have no defaults in existing or previous loans. Final eligibility is subject to lender assessment.
How much funding is available?
Eligible applicants may access funding of up to ₹50 Crore, subject to project evaluation and lender approval.
How long does disbursal take?
Disbursal may be possible in as little as 2 weeks after complete documentation, due diligence, and approval.
Are there foreclosure charges?
No foreclosure charges apply under this facility.
Is there a lock-in period?
No lock-in period applies under this facility.
*T&C apply. Loan amount, interest rate, processing fee, tenure, approval, and disbursal timeline are subject to lender credit assessment, legal and technical due diligence, project evaluation, complete documentation, and applicable regulations. This is not an offer or guarantee of loan approval.
Explore our other loan services, including project loans and working capital loans.
*T&C apply. Loan amount, interest rate, processing fee, tenure, approval, and disbursal timeline are subject to lender credit assessment, legal and technical due diligence, project evaluation, complete documentation, and applicable regulations. This is not an offer or guarantee of loan approval.