Project Loan Provider in Delhi, Short Term Project Loan Delhi NCR at UG Money.

Project Loan Provider in Delhi, Short Term Project Loan:
Project Loan is given by the lending institution or banks to the borrower for the purpose of business expansion, reconstruction etc. Project loan is also available to acquire the fixed assets like land & building, plant & machinery etc. Project Loans are available to the existing business or industrial houses for growth purpose and equally available to the new business entrants in form of seed or startup capital. Projects loans are generally mid or long term period loans but lending institutions may consider the short term loan applications depending upon the feasibility of the project. The short term Project Loan can be availed for one year whereas the mid and long term project loans can be obtained for up to 10 years.

Project Loan Interest Rates:



Interest Rates

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The rate of interest is quite competitive as the loan term is longer and may be affected by the periodic changes made by the lending institutes. Construction & Infrastructure, Engineering, Automobile, Power, Gas & Petrochemical industries are some of the business domains generally leverage on the Project Loans.
The aspirants should have the detailed project report ready as it is the very basis of getting project loan sanctioned. The lending institutions seek good credit, strong solvency ratio, strong management systems, technology penetration etc. as granting criteria for project loans

Documents Required:
Copy of Registration of the firm/ Company
Copy of partnership deed, Memo. & Article of Association etc (wherever applicable)
Copies of last three years audited Balance sheet/Profit & Loss account
Copy of statement of account
Latest paid stock / Book debt statement, with list of debtors
Brief project report / profile with projected balance sheet / P&L account
Cash flow and fund flow statement for term loan
Copies of quotations for purchase of machinery etc (in case of Term Loan)
Original title deeds of property offered as security, tax, receipt, sanctioned map, city survey record etc


Project Loan, to be repaid within maximum period of two years, with moratorium period of 6 months. During the moratorium period the borrower shall pay the monthly interest regularly.

Loan Charges:
Loan management fee @ 1.15% of loan amount as applicable.
Mortgage and documentation charges
Legal Charges (towards mortgage, search, registration of charge with city survey etc.)
Architect fee towards valuation report

Hypothecation of Stocks in trade, Book debts (within 90 days)
Work in progress (in case of loan to Builder)
Registered / equitable mortgage of the collateral security (immovable property) valued to the extent of 150% of the loan sanctioned
Guarantee from two guarantors, with adequate means / net worth.

Other terms and conditions:
The Borrower shall submit Stock / Book debt statement along with list of Debtors (within 90 days) every month.
Borrower shall submit Copies of Audited Balance Sheet, P&L account every year, prior to due date of renewal.
Operate the account exclusively with the Bank, within the drawing power, and achieve the turnover of five times and above the limit sanctioned.
Repay the monthly interest every month. Follow the credit discipline as per bank’s norms, to avail interest rebate, wherever applicable.