Power Your Production. Finance Your Factory

Industrial loans are specialized financial products designed for manufacturing, production, and processing units. Unlike generic business loans, these are structured around industrial cycles, machinery life spans, project gestation periods, and manufacturing economics. We understand that your factory isn't just a business - it's an ecosystem that needs capital infusion at every stage of its lifecycle."

Types of Industrial Loans

By Scale & Purpose:

1. Industrial Project Loans

• For: Greenfield projects, new manufacturing units

• Amount: ₹5 Crores - ₹50 Crores+

• Tenure: Up to 15 years (including moratorium)

• Coverage: Land, building, plant, machinery, pre-operative expenses

• Special: Phased disbursement against project milestones

2. Machinery & Equipment Financing

• For: CNC machines, robots, assembly lines, processing equipment

• Amount: ₹50 Lakhs - ₹25 Crores

• Tenure: Up to 10 years

• Coverage: New, used, imported machinery

• Special: Up to 85% financing, supplier tie-ups

3. Industrial Working Capital

• For: Raw material, inventory, wages, utilities

• Amount: ₹1 Crore - ₹25 Crores

• Facility: Cash credit, overdraft, bill discounting

• Tenure: Renewable annually

• Special: Secured against inventory/debtors

4. Factory Building/Expansion Loans

• For: Industrial sheds, warehouses, factory construction

• Amount: ₹2 Crores - ₹30 Crores

• Tenure: Up to 20 years

• Coverage: Construction, civil work, utilities setup

• Special: Draw against construction progress

5. Technology Upgrade Loans

• For: Automation, Industry 4.0, digital transformation

• Amount: ₹25 Lakhs - ₹10 Crores

• Tenure: 3-7 years

• Subsidy Linkage: Connect with government schemes

• Special: Technical viability assessment included

6. Export/Import Industrial Financing

• For: Export-oriented units, import of capital goods

• Amount: ₹50 Lakhs - ₹20 Crores

• Products: Pre-shipment, post-shipment, import finance

• Tenure: 180 days - 5 years

• Special: Forex risk management included

Eligible Industries & Sectors

Manufacturing Sectors We Finance:

• Engineering & Capital Goods: Machine tools, industrial machinery

• Automotive & Ancillaries: Components, assembly, tooling

• Chemicals & Pharmaceuticals: Bulk drugs, specialty chemicals

• Textiles & Apparel: Spinning, weaving, processing

• Food Processing: Packaged foods, beverages, processing units

• Metals & Mining: Foundries, fabrication, mineral processing

• Electronics & Electrical: Components, assembly, white goods

• Plastics & Packaging: Injection molding, packaging material

• Renewable Energy: Solar panel manufacturing, wind components

• Infrastructure Products: Cement, steel, building materials

Key Eligibility Criteria

For Existing Units:

• Business Vintage: Minimum 3-5 years in manufacturing

• Financial Performance: Profitability for last 2-3 years

• Industry Experience: Promoters' background in same/similar industry

• Location: Approved industrial area/estate

• Clearances: All environmental, pollution, factory act approvals

For New Projects:

• Promoter Background: Relevant industry/technical experience

• Project Report: Detailed DPR with technical, market, financial feasibility

• Land: Owned/leased in industrial zone

• Clearances: Applied/in-process for necessary approvals

• Tie-ups: Raw material suppliers, technology providers, offtake arrangements

Technical Requirements:

• Plant Capacity: Utilization plan (Year 1: 40%, Year 3: 75%+)

• Technology: Appropriate, not obsolete

• Manpower: Technical team availability

• Utilities: Power, water, effluent treatment arrangements

• Market: Demand assessment for products

Financial Parameters:

• Debt Service Coverage Ratio (DSCR): Minimum 1.5-2.0

• Return on Investment (ROI): 15%+ minimum

• Break-even Point: 3-5 years typically

• Margin Contribution: 20-40% depending on project

Documentation Framework

A. Promoter Documents:

1. KYC of all promoters/directors

2. Net worth statements

3. Industry experience certificates

4. Previous business track record

B. Business Documents:

1. Company registration (MOA, AOA)

2. Factory license

3. GST, MSME registration

4. Pollution control board consent

5. Fire safety certificate

C. Technical Documents:

1. Detailed Project Report (DPR)

2. Plant & machinery quotations

3. Layout plan, factory design

4. Technology agreement (if any)

5. Raw material supply agreements

6. Product offtake arrangements

D. Financial Documents:

1. Last 3-5 years audited financials

2. Projected financials for 5-7 years

3. Bank statements (existing business)

4. Income tax returns

5. Existing loan details (if any)

E. Property Documents:

1. Land documents (sale deed, mutation)

2. Industrial area allotment letter

3. NOC from relevant authorities

4. Building plan approval

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