Project Loans

Project Loan
Onward 7.50%.

A Project Loan is a type of loan taken to start, expand, or complete a business project like a factory, shop, hotel, school, or construction work. The bank gives money for land, building, machinery, and other project expenses. The loan is repaid in easy monthly installments over a fixed time period.

Application

Please provide your project and financial details for quick loan assessment.

Project Loan Eligibility Criteria

Understand the complete eligibility structure for project loans including repayment history, business continuity, turnover, and creditworthiness.

What do you mean by Project Loan Eligibility Criteria?

Project loan is one such loan dedicatedly provided to corporate borrowers for their business & capital expenditure like setting up new project or growing up existing business project.


Before applying for loan, make sure that you meet specific eligibility criteria as required like preparing project report for bank loan & CMA earlier while availing project loan.


Project loan eligibility depends on various factors like age of individual, repayment history, business sales/turnover, total work experience & creditworthiness.

Eligibility Criteria for Self-Employed Individuals

  • Age Limit: 21 to 65 Years
  • Public & Private Sector Companies are Eligible
  • Minimum 3 Years Business Continuity Required
  • Profit Required in Last Audited Financial Year
  • Good Credit & Repayment History Preferred
  • Indian Resident Applicant

Who Can Apply?

  • Corporate Borrowers
  • Self-Employed Individuals
  • Manufacturing Businesses
  • Service Sector Businesses
  • Existing Businesses Planning Expansion
  • New Project Setup Businesses

Factors Affecting Project Loan Eligibility

Avoid Multiple Loan & Credit Card Applications

Applying for multiple loans or credit cards at the same time can negatively affect your credit score and reduce loan approval chances.

Past Credit History

Your previous repayment behavior and credit history directly impact your present and future project loan approval possibilities.

Newly Existing Business

Newly started businesses may face difficulty in loan approval because lenders cannot evaluate past business performance properly.

Business Sales & Turnover

Stable turnover, regular income, and healthy financial performance improve the overall eligibility for project loans.

Ways to Increase Project Loan Eligibility

Required Documents

Documents Required for Project 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
  • PAN Card Copy
  • Aadhaar Card + Passport
  • Address Proof (If Rented Also Permanent Address Proof)
  • Last 3 Years Form-16, ITR with Computation of Income
  • 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
  • Projected Financial
  • Project Feasibility Report
  • Company Profile & Management Profile
  • ISO Certificate & MSME Certificate
  • Pollution Certificate
  • CMA Data
  • Machine Quotation
  • Building Construction Estimate
  • Last 3 Months Salary Slip + Appointment Letter

Prop Firm

Business Applicant
  • Photograph Both
  • PAN Card Clear Copy Proprietor
  • Address Proof (Passport / Voter ID Card)
  • Office Address Proof Latest (Electricity Bill / Telephone Bill)
  • Firm Registration Certificates & GST Registration Copy
  • Last 1 Year GST Return Copy
  • 3 Years ITR, Profit & Loss A/C, Balance Sheet, Tax Audit Report & Annexures
  • Provisional Financial AY 2019-20
  • Bank Accounts (Current, CC, OD – Last 1 Year Updated)
  • 6 Months Saving Account Statement Updated (Proprietor)
  • Loan Sanction Letter & Repayment Schedule (If Running)
  • Agreement to Sell Copy
  • Property Papers with Chain & Sanction Map
  • Projected Financial
  • Project Feasibility Report
  • Company Profile & Management Profile
  • ISO Certificate & MSME Certificate
  • Pollution Certificate
  • CMA Data
  • Machine Quotation
  • Building Construction Estimate

Partnership Firm

Partnership Business
  • Photograph Partners
  • PAN Card - Company & All Partners
  • Address Proof of All Partners
  • Firm Address Proof - Latest Utility Bill
  • Partnership Deed Copy
  • GST Certificate
  • GST Return Last 1 Year
  • 3 Years Company ITR, P/L A/C, Balance Sheet & Audit Report
  • Provisional Financial AY 2019-20
  • 3 Years Individual ITR & Computation of All Partners
  • Firm Bank Statement Last 1 Year Updated
  • All Partners Saving Account Statement 6 Months
  • Loan Sanction Letter & Repayment Schedule (If Running)
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Map
  • Projected Financial
  • Project Feasibility Report
  • Company Profile & Management Profile
  • ISO Certificate & MSME Certificate
  • Pollution Certificate
  • CMA Data
  • Machine Quotation
  • Building Construction Estimate

Pvt. Ltd.

Corporate Applicant
  • All Directors Photograph
  • Clear PAN Card - Company & All Directors
  • Address Proof – Company & Directors
  • List of Directors & Shareholders (CA Certified)
  • Memorandum Order in Hand & Complete Copy
  • GST, Sale, VAT & SSI Registration Certificate
  • 1 Year GST Returns
  • All Directors ITR & Computation Last 3 Years
  • Last 3 Years Complete Financial with Audit Report & Annexures
  • Provisional Financial FY 2019-20 / Month Wise Sales Last 1 Year
  • Company Bank Statement Last 1 Year Updated
  • All Directors Saving Account Statement 6 Months
  • Loan Sanction Letter & Repayment Schedule (If Running)
  • Agreement to Sell Copy
  • Property Papers Complete Chain with Sanction Map
  • Projected Feasibility Report
  • Company Profile & MSME Certificate
  • Pollution Certificate
  • CMA Data
  • Machine Quotation
  • Building Construction Estimate
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