Capital-intensive financing for infrastructure & development
Structured project loans for corporates, developers, and infrastructure borrowers — tailored around project viability, milestone-based disbursements, and long-term repayment.
Structured funding for large-scale ambitions
Project Loans provide structured, long-term financing for capital-intensive projects — from setting up new manufacturing facilities to large infrastructure development. These loans are structured around the project's own cash flows and viability rather than just the borrower's existing income.
Pragati works with corporate borrowers, contractors, and developers to identify the right lender, structure the loan terms, and manage documentation — from DPR to regulatory approvals to disbursement coordination.
Key features of our project loans
Loan structured around the project's viability, cash flow projections, and IRR — not just the borrower's existing financials.
Funds released in tranches as per project milestones — keeping interest cost low and aligning disbursement with construction progress.
Finance large-scale capital projects from ₹5 Lakhs to ₹5 Crore and above — depending on project viability and lender capacity.
Repayment structured up to 84 months — with flexibility to align EMIs with project revenue generation timelines.
Our team reviews your DPR, financial model, and regulatory status to present your project in the best possible light to lenders.
Access to PSU banks, private banks, NBFCs, and development finance institutions — matching your project type to the right funder.
Guidance on environmental clearances, municipal approvals, and compliance requirements that lenders need before sanctioning.
Complete fee disclosure upfront — processing charges, commitment fees, and prepayment terms all explained before you commit.
Industries we finance
How to apply for a project loan
Share your project overview — sector, location, total project cost, funding required, and expected completion timeline. We assess feasibility and advise on the right financing structure.
We review your Detailed Project Report, financial projections, and IRR calculations. Our team helps strengthen the DPR to meet lender appraisal standards before submission.
We verify project approvals, environmental clearances, land documents, and statutory NOCs — ensuring all pre-conditions required by lenders are in place before application.
We identify the most suitable lender based on your project type, sector, and loan size — then submit a comprehensive application package with active follow-up at every stage.
Lender conducts site visit and technical appraisal. We coordinate the process, respond to queries, and ensure the credit committee presentation is as strong as possible.
Post-sanction, funds are released in tranches tied to construction milestones — confirmed by lender-appointed engineers. We coordinate disbursement requests throughout the project lifecycle.
Are you eligible?
- Registered company, contractor, or developer entity
- Minimum 5 years of track record in relevant sector
- Director/promoter CIBIL score of 700 or above
- Project approval from relevant authorities in place
- Proven technical team with sector-specific experience
- Equity contribution of at least 25–30% of project cost
- No existing NPAs or loan default history
- Company registration, MOA, and AOA
- Detailed Project Report (DPR) with financial projections
- Project approval letters from relevant authorities
- Environmental clearance and NOC certificates
- Land ownership or lease documents
- Company bank statements (2 years) + ITR
- Audited balance sheets and P&L (last 3 years)
- Insurance certificates and contractor registration
Interest rates & charges
Project loan rates depend on the sector, project size, promoter track record, security structure, and the lender. Infrastructure and government-backed projects often attract preferential rates.
Plan your repayments easily
* Project loan EMIs typically begin after a moratorium period aligned with project construction. This calculator shows post-moratorium EMI. Contact us for a full project financing model.
Frequently asked questions
