Un-Secured Loans

Machinery Loan
Onward 7.70%.

Machinery Loan is a business loan used to purchase new or old machines, equipment, or industrial tools for business growth. It helps businesses improve production, expand operations, and reduce manual work. The bank provides funds to buy machinery, and the loan is repaid in easy monthly EMIs. It is commonly used by factories, manufacturers, workshops, and small industries.

Application

Please provide your business and machinery details for quick loan assessment.

Machinery Loan Eligibility Criteria

Understand the complete eligibility structure for machinery loan applicants, including business continuity, profitability, turnover, and repayment capability.

What you mean by Machinery Loan Eligibility Criteria?

For any business, machinery and equipment are very important to compete in the market and grow successfully in the industry. Machinery loans help businesses purchase machines in a seamless way.


Some banks also provide machinery loans without collateral or assets, and subsidy benefits may also be available. Eligibility depends on business performance, turnover, repayment history, and creditworthiness.

Eligibility for Self-Employed Individuals

  • Age Limit: 24 to 65 Years
  • Public & Private Sector Companies Eligible
  • Balance Sheet Must Be Audited by Registered CA
  • Last 3 Years Business Record Should Be Profitable
  • Income Tax Return Filed for Minimum 1 Year
  • Loan Amount: ₹50,000 to ₹1 Crore

Important Requirements

  • Stable Business Operations
  • Good Repayment History
  • Healthy Business Turnover
  • Proper Financial Documentation
  • Good Creditworthiness
  • Profitable Business Performance

Factors Affecting Eligibility

Capability of Business

Your business capability determines your repayment ability. If the business has losses or unstable operations, loan approval chances may reduce.

Lack of Required Documents

Multiple documents are required during verification. Failure to provide mandatory documents may result in loan application rejection.

Credit History

Banks review your repayment history, loan records, and credit behavior before approving machinery loans.

Business Profitability

Businesses with consistent profit and stable turnover usually receive better approval opportunities.

How to Increase Machinery Loan Eligibility

Required Documents

Documents Required for Loan Processing

Keep the following documents ready for faster approval and smooth verification. Select your applicant type and check the complete checklist.

Individual

Personal Applicant
  • Photographs - 2
  • PAN Card Copy
  • Aadhar Card + Passport
  • Address Proof If Rented Also Required Permanent Address Proof
  • Last 3 Years Form-16, ITR with Computation of Income If File
  • Last 1 Year Bank Statement - Salary Account
  • Loan Schedule & Sanction Letter (If Running)
  • Complete Property Papers with Chain & Map + ATS
  • Processing Fee Cheque in Favour of Bank
  • Machine Quotation
  • Order in Hand
  • Last 3 Months Salary Slip + Appointment Letter

Prop Firm

Business Applicant
  • Machine Quotation
  • Order in Hand
  • PAN Card Clear Copy Proprietor
  • Address Proof (Passport, Voter ID Card) Proprietor
  • Office Address Proof Latest (Electricity Bill, Telephone Bill)
  • Firm Registration Certificates & GST Registration Copy
  • Last 1 Year GST Return Copy
  • Firm 3 Years ITR Computation, Profit Loss A/C, Balance-Sheet, Tax Audit Report, All Scheduled & Annexure
  • Provisional Financial AY 2019-20
  • Bank Accounts (Current Account, CC Account, OD Account Last 1 Year Updated)
  • 6 Month Saving Account Statement Updated (Proprietor)
  • If Running Any Loan Please Provide Sanction Letter and Repayment Scheduled
  • Agreement to Sell Copy
  • Property Papers with Chain Sanction Map

Partnership Firm

Partnership Business
  • Photograph Partners
  • PAN Card - Company, All Partners
  • Address Proof - All Partners (Passport, Voter ID Card, PAN, Aadhaar)
  • Firm Address Proof - Latest Any Utility Bill
  • Partnership Deed Copy
  • GST Certificate
  • GST Return Last 1 Years
  • 3 Year Company ITR COI P/L A/C Balance Sheet + Audit Report 3CB 3CD, All Annexures, Scheduled with C.A. Certified
  • Provisional Financial AY 2019-20
  • 3 Year All Partner Individuals ITR + Computation
  • Firm All A/C Bank Statement 1 Year Updated
  • All Partner Saving A/C Statement 6 Month
  • If Running Any Loan – Latest Sanction Letter + Track Records or Repayment Scheduled
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Map
  • Machine Quotation
  • Order in Hand

Pvt. Ltd.

Corporate Applicant
  • All Directors Photograph
  • Clear PAN Card - Company and All Directors
  • Address Proof – Company and Directors
  • List of Director & Share Holder with CA Certified as on Date
  • Memorandum Order in Hand and Complete Copy (If Applicable)
  • GST, Sale, VAT and SSI Registration Certificate
  • 1 Year GST Returns
  • All Directors Individuals ITR & Computation Last 3 Years
  • Last 3 Years Complete Financial with Tax Audit Report and Annexure
  • Provisional Financial FY 2019-20 or Month Wise Sale Figure Last 1 Year
  • Company All Bank Account Statement 1 Year Updated
  • All Directors Saving A/C Statement 6 Month
  • If Running Any Loan – Latest Sanction Letter and Repayment Scheduled
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Sanction Map
  • Machine Quotation
  • Order in Hand
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