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Industrial Mortgage Loan

Industry Mortgage Loan is a specialized type of loan provided to businesses or industrial entities for purchasing, refinancing, or improving industrial properties. These properties could include manufacturing plants, warehouses, factories, or other real estate used for industrial purposes. The loan is secured against the industrial property, meaning the property itself serves as collateral. Industry mortgage loans are crucial for companies looking to expand their operational space, acquire new production facilities, or invest in machinery and infrastructure on industrial land.

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Acceptance Criteria

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  • Business Ownership: The borrower must be a business entity (such as a corporation, partnership, or LLC) and must own or plan to purchase industrial property for business operations.
  • Financial Stability: Lenders typically require businesses to provide proof of financial stability, such as profit and loss statements, balance sheets, cash flow projections, and income tax returns.
  • Business History: A minimum number of years in operation (usually 2+ years) is required, with a solid track record of profits and financial growth.
  • Creditworthiness: Businesses need to have a good credit score (generally 650 or above) to secure favorable loan terms. A lower score may result in higher interest rates or loan rejection.
  • Personal Guarantee: In some cases, especially with smaller businesses, a personal guarantee from the business owner(s) may be required.
Loan Amount Offer
Minimum Loan Amount Offer : 5 Lakhs
Maximum Loan Amount Offer : 200 crore
Rate of Interest(%)
Minimum ROI Start From : 10.50 % P.A.
Maximum ROI : 18.00 % P.A.
Tenure
Minimum Tenures : 1 Year
Maximum Tenure : 30 Years
Documents Required for Loan
Individual & Salaried Employee Self & Professional Employee Company Pvt. Ltd. & Public Ltd.
Primary KYC: Aadhaar Card, PAN Card Applicant KYC: PAN Card, Aadhaar Card Director & Partners KYC: PAN Card, Aadhaar Card, Voter ID
Co-Applicant KYC: Aadhaar Card, PAN Card, Voter ID Card Co-Applicant KYC: PAN Card, Aadhaar Card, Voter ID Company Certificates: CRC Certificate, TAN Certificate, Company PAN Card, Directors DIN Certificate, Board Resolutions, Shareholding Pattern, Partnership Deed
Income Proof: Last 3 months’ salary slip Income Proof: Last 2 years financial return, GST Return (3RB) Income Proof: Last 2 years financial return,  GST return of company
Residence Proof: Aadhaar Card, Voter ID, Electricity Bill, Rent Agreement, Gas Receipt, Post Mobile Bill, Property Tax Residence Proof: Aadhaar Card, Election Commission Card, Driving License, Gas Receipt, Passport, Rent Agreement (Any One) Residence Proof: Aadhaar Card, Election Commission Card,
Driving License, Gas Receipt, Passport, Rent Agreement (Any One)
Bank Statement: Last 6 months' bank statement Banking: Last 1 year bank statement (Current/Savings Account) Banking: Last 1 year bank statement (Current Account)
Photograph: Live photo Photograph: Live photo Photograph: Live photo
Business Documents: N/A Business Proof: Trade License, Shop Act, GSTN Certificate,
Food License, Business License, MSME Certificate, etc.		 Business Proof: Trade License, Shop Act, GSTN Certificate, Food License, Business License, MSME Certificate, etc.
Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc. Property Documents: Registry Copy, Property Transfer Certificate,Link or Chain Registry, Property Tax Receipt, Map of Property, TNCP Certificate, Building Permission, etc.
Golden Features and Benifits
  • Large Loan Amounts: Industrial properties are often high-value assets, and an industry mortgage loan provides access to substantial funds to purchase or develop large-scale industrial properties.
  • Tax Advantages: Businesses can benefit from tax deductions on the interest paid and depreciation of the property, reducing the overall financial burden.
  • Long-Term Financing: The long repayment period makes it easier for businesses to manage cash flow and repay the loan without affecting day-to-day operations.
  • Asset Building: As the loan is repaid, the business gradually builds equity in the industrial property, which can be used for future financing or expansion.
  • Flexibility in Use: The funds from an industry mortgage loan can be used for various purposes like purchasing land, acquiring new equipment, expanding facilities, or upgrading infrastructure.