Project Loan
Structured financing for a new project or large expansion — manufacturing units, real estate development, or infrastructure.
A project loan funds a defined undertaking — setting up a new manufacturing unit, developing a real estate project, or executing a large infrastructure or expansion plan — rather than general working capital. Because the amounts involved are typically larger and the risk profile more specific to the project itself, lenders assess it in more depth: your project report, promoter contribution, collateral, and the underlying business case all matter.
This is the loan category where matching genuinely counts — different NBFCs and banks on our 90+ lender panel specialise in different project types and sizes. We help position your project to the lenders best placed to understand and fund it, rather than a generic application that goes nowhere.
Who it suits
- Businesses setting up a new manufacturing or production unit
- Developers undertaking a real estate or infrastructure project
- Established businesses planning a large-scale expansion
Eligibility
- A detailed project report / business plan is typically required
- Promoter's own financial contribution to the project (margin money) is usually expected
- Business and promoter credit history are reviewed closely given the scale involved
- Collateral and/or project assets typically secure the loan
Documents you'll need
- PAN and business registration documents
- Detailed project report with cost estimates and projected returns
- Financial statements and ITR for the promoters/business
- Approvals/licenses relevant to the project, where applicable
A quick sense of the EMI
For example, ₹50,00,000 over 5 years at an indicative 11% works out to about:
₹1,08,712/month
Indicative only — your actual EMI depends on the amount, tenure and rate you're offered.
Try the full calculatorCommon questions about project loan
What is a project report, and do I need to prepare it myself?
A project report lays out the project's cost, funding plan, and expected returns — lenders use it to assess viability. We can guide you on what lenders typically expect, though preparing (or having a professional prepare) the report itself is usually the promoter's responsibility.
How much of the project cost will the lender fund?
Lenders typically fund a substantial portion of the project cost, with the promoter contributing the remainder as margin money — the exact split depends on the project and lender.
Is a project loan only for new businesses?
No — it's equally used by established businesses undertaking a significant expansion, a new production line, or a large one-off project.
How long does approval typically take?
Project loans generally take longer to assess than standard retail loans, given the scale and the due diligence involved — we'll give you a realistic timeline once we understand your project.
Ready to talk about your project loan?
Tell us your need and we'll match you to the right lender from our panel of 90+ banks & NBFCs.