Business finance
Project Loan
Term finance for setting up a new manufacturing unit, hotel, hospital, warehouse, school or commercial complex. Appraisal is built around the project report, promoter contribution and projected cash flows rather than past turnover alone.
- Interest rate
- 9.50% – 15% p.a.
- Loan amount
- ₹50 Lakh – ₹100 Crore
- Tenure
- Up to 15 years including moratorium
- Processing fee
- 0.5% – 2% of loan amount
Features
What the project loan gives you
- Moratorium through the construction and stabilisation period
- Disbursement in tranches linked to physical progress
- Debt-equity structuring typically at 70:30 or 75:25
- Consortium or multiple-banking arrangement for larger outlays
- Detailed project report preparation and lender presentation support
Eligibility
Who qualifies
- Promoters with relevant experience in the proposed line of activity
- Promoter contribution of 25-30% of project cost arranged
- Land ownership or long-term lease in place with approvals
- Techno-economic viability demonstrated by a credible DPR
- Clean credit history of the entity and all promoters
Documents
Checklist to keep ready
KYC
- • PAN and Aadhaar of all promoters
- • Entity constitution documents
Project
- • Detailed project report with cost and means of finance
- • Approvals, licences and environmental clearances
- • Land documents and construction estimates
- • Machinery quotations and supplier agreements
Financials
- • 3 years financials of promoter entities
- • Net worth statements of promoters
- • Projected P&L, balance sheet and cash flow for the loan tenure
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹3,76,067
- Principal
- ₹3,00,00,000
- Total interest
- ₹2,41,53,587
- Total payable
- ₹5,41,53,587
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Project Loan questions
Related loan services
Ready to move on your project loan?
Share a few details and an advisor will call you within one working day with the lenders best suited to your profile.
Apply Now