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🏗️ Project Loan Facility

Financing provided for setting up, expanding, or modernizing business projects with repayment linked to project cash flows

✅ What is a Project Loan?

A project loan is funding given to businesses, entrepreneurs, or organizations for starting a new venture, expanding an existing project, or setting up a large-scale business unit. Repayment is generally linked to the revenues generated by the project.

🎯 Purpose of Project Loan

  • Setting up a new manufacturing unit / factory
  • Expansion of business operations
  • Purchase of machinery & equipment
  • Construction of infrastructure (plant, building, etc.)
  • Power, renewable energy, and large industrial projects
  • Modernization & technology upgrade

📊 Key Features

Loan Amount

Depends on project cost & applicant's profile (can range from lakhs to crores)

Tenure

Medium to long-term (3 years to 15 years, sometimes more)

Interest Rate

Usually lower than personal/working capital loans; based on risk & project viability

Security/Collateral

Land, building, plant & machinery, project assets, or personal guarantee

Disbursement

Often released in stages (based on project progress)

Repayment

Structured in EMI or milestone-based repayment linked with project revenue

👥 Who Can Apply?

  • Entrepreneurs & startups
  • Small & medium enterprises (SMEs/MSMEs)
  • Large corporate houses
  • Infrastructure developers
  • NGOs / Trusts (for specific eligible projects)

📋 Documents Required

  • Detailed Project Report (business plan, financials, expected revenue, repayment plan)
  • KYC of promoters / directors
  • Company incorporation documents (if applicable)
  • Balance sheets, ITRs, bank statements
  • Collateral documents (property papers, valuation reports, etc.)
  • Approvals / licenses (depending on project type)

🇮🇳 Popular Schemes in India

PMEGP Scheme

Up to ₹25 lakhs for manufacturing & ₹10 lakhs for service projects

Stand-Up India

Loans from ₹10 lakhs to ₹1 crore for SC/ST and women entrepreneurs

MUDRA Yojana

Up to ₹10 lakhs for small business projects

SIDBI Finance

Project finance for MSMEs

Bank Loans

SBI, PNB, HDFC, ICICI project loans

💡 Important Note

Project loans require detailed project reports and viability analysis. The disbursement is typically linked to project milestones and revenue generation capacity.

Ready to Start Your Project?

Get comprehensive project financing with flexible repayment options tailored to your project's cash flow

Apply Now