PROJECTFINANCE
Project Finance is structured, long-term funding designed for setting up a new venture (greenfield
project) or significantly expanding an existing one (brownfield project) — manufacturing plants,
infrastructure, hospitality, healthcare facilities, warehousing, and more. Unlike a regular business
loan, the lending decision and repayment structure are built around the project's own projected cash
flows, with disbursement released in phases as construction or implementation milestones are met.
Gayatri Finserv works with banks and NBFCs experienced in project appraisal to structure the right
debt-equity mix and repayment schedule for your venture.
Features & Benefits
- Funding for greenfield & brownfield projects
- Loan amount: ₹1 Crore to ₹50 Crores+
- Tenure: up to 12 years, including moratorium
- Phased disbursement linked to project milestones
- Moratorium period during construction/implementation
- Repayment structured around projected cash flows
- Funding for plant & machinery, civil work & infrastructure
- Term loan + working capital combined structuring available
- Support with DPR & project appraisal documentation
- Access to government scheme-linked funding where applicable
Who Can Apply?
🏭
Manufacturers & MSMEs
Units setting up a new plant or expanding existing manufacturing capacity.
🏢
Private Limited Companies
Companies with a viable project report and promoter contribution in place.
🏨
Hospitality & Healthcare
Hotels, resorts, hospitals, and diagnostic centres looking to set up or expand.
🏗️
Infrastructure Developers
Developers of warehouses, logistics parks, and commercial real estate projects.
🤝
Partnership & LLP Firms
Firms with an experienced promoter team and a bankable project proposal.
⚡
Renewable & Energy Projects
Solar, wind, and other energy projects with power purchase agreements in place.
Documents Required
🪪
PAN Card & Aadhaar Card (All Directors/Partners)
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Business Proof — GST Certificate / MOA-AOA / Partnership Deed
📑
Detailed Project Report (DPR) with Cost & Means of Finance
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Last 2–3 Years ITR & Audited Financials
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Bank Statement — Last 12 Months
📜
Land/Property Documents, Approvals & Quotations
Frequently Asked Questions
What is Project Finance and how is it different from a regular business loan?+
Project Finance is funding extended for a specific new or expansion project, evaluated on the project's own projected cash flows and viability rather than just the existing business's past financials. It typically involves phased disbursement and a moratorium period, unlike a regular term loan disbursed in one go.
What is a Detailed Project Report (DPR) and why is it needed?+
A DPR is a comprehensive document outlining the project's objective, cost of the project, means of finance, projected revenue, profitability, and repayment capacity. Lenders use it to assess the project's viability before sanctioning funds — we can help you prepare or refine one.
How is the loan disbursed for a project?+
Funds are typically released in phases, linked to project implementation milestones such as land acquisition, civil construction, and machinery installation, rather than as a single lump sum. This ensures funds are utilised as intended and reduces risk for both you and the lender.
What is a moratorium period?+
A moratorium is a period — often during the project's construction or implementation phase — where you're not required to start full EMI repayment. Some lenders allow interest-only payments during this period, giving the project time to become operational before full repayment begins.
What is the typical debt-equity ratio expected by lenders?+
Most lenders expect promoters to contribute 25–40% of the total project cost as equity or own contribution, with the balance funded as debt. The exact ratio depends on the project type, industry, and the lender's risk appraisal.
Can I combine a term loan with a working capital facility for my project?+
Yes. Many project finance structures include a term loan for capital expenditure (land, building, machinery) along with a working capital facility for post-commissioning operations, so the project has funding for both setup and day-to-day running once operational.