Project Loan – Laxmi Finance

Whether you're planning a large infrastructure project, expanding a manufacturing unit, or setting up a new industrial facility — Laxmi Finance is here to support your ambitions with our tailored Project Loan solutions.

A Project Loan is a long-term loan granted to fund specific projects — from construction and development to industrial or commercial ventures. Our solutions are flexible, fast, and structured to meet the scale and complexity of your project.

Benefits of a Project Loan from Laxmi Finance

  • 🏢 High Loan Amounts – Funding based on project scope and viability

  • 💼 Flexible Disbursement – Linked to project milestones

  • 📈 Structured Repayment – Based on project cash flow

  • 🧾 Custom Loan Tenure – Up to 15 years (or more based on project type)

  • 🔍 Expert Evaluation – Professional assessment of your business plan

  • 💰 Loan for Various Sectors – Real estate, manufacturing, hospitals, education, hospitality, etc.

  • ♻️ Refinancing & Working Capital – Options available post-completion

  • 📉 Competitive Interest Rates – Attractive rates tailored to the project profile

Eligibility Criteria

To apply for a Project Loan with Laxmi Finance, the following basic eligibility must be met:

  • Applicant Type:

    • Registered business entity (Proprietorship, Partnership, Pvt. Ltd, LLP, etc.)

    • Developers, industrialists, institutions, and entrepreneurs

  • Business Vintage:

    • Typically 2+ years of operational or business experience (startups with strong backing may also be considered)

  • Project Type:

    • Commercially viable and legally approved projects (industrial, infrastructure, education, real estate, etc.)

  • Financial Capability:

    • Sufficient equity contribution by promoters

    • Acceptable debt-to-equity ratio

    • Clean repayment and credit history

  • Clear Legal Status:

    • Project land/title and approvals must be legally compliant

Documents Required

✅ KYC Documents:

  • PAN Card (Company & Promoters)

  • Aadhaar Card / Passport / Voter ID

  • Certificate of Incorporation / Partnership Deed

  • GST Registration, if applicable

✅ Project Documents:

  • Detailed Project Report (DPR) including:

    • Business model & feasibility study

    • Project cost breakup

    • Execution timeline

    • ROI and risk assessment

  • Approvals & licenses (municipal, environmental, etc.)

  • Land ownership/title deed or lease agreement

✅ Financial Documents:

  • Audited financials (last 2-3 years)

  • ITRs of promoters/firm

  • Bank statements (last 6 months)

  • Net worth statement of promoters

  • Projections (cash flow, P&L, balance sheet) for 3–5 years

✅ Collateral Documents (if applicable):

  • Property papers, valuation reports

  • Insurance documents

  • NOC from third parties (if required).

  • Rate of Interest 4% P.A Tenure 1 to 20 years.