20 cities · 9 states · ₹1 Cr–₹100 Cr
Lender policy is national. Cost and collateral are not.
The same ₹20 crore facility costs about ₹10 lakh to stamp in Bengaluru, ₹20 lakh at the absolute ceiling in Maharashtra, and ₹30,000 in Tamil Nadu. Leasehold plots in Navi Mumbai, Noida and Gurugram need an authority NOC before they can be mortgaged at all. Pick your city below.
City desks
Where CreditCares arranges finance
Head office in Fort, Mumbai. Branch office in Sector V, Kolkata. Lender coordination, valuation and legal work in every city below runs through the lenders' own local branches and empanelled agencies — we do not operate walk-in branches outside Mumbai and Kolkata.
Delhi
Rate turns on the repayment tenor of the facility, not the amount.
Delhi
A trading and distribution economy where collateral is the whole conversation — much of the commercial stock in the old wholesale markets has title, conversion or unauthorised-construction…
Delhi desk →Gujarat
Among the lower-cost states for security creation, but confirm the current schedule.
Ahmedabad
A market where lenders compete hard on price and the borrower's leverage is real — which is exactly why a file that arrives with its own CMA and comparative term sheets sanctions faster and…
Ahmedabad desk →Surat
Two industries with almost opposite credit profiles sit in the same city — diamond, where the asset is portable and the exposure caps are tight, and textiles, where the asset is inventory…
Surat desk →Vadodara
An engineering and petrochemical supply-chain city where a large share of turnover sits with a handful of PSU and large-corporate buyers — which makes bill discounting against accepted…
Vadodara desk →Rajkot
A machine-tool and casting cluster built on thousands of small units, where the constraint is rarely demand and almost always the gap between what the promoter's books show and what the…
Rajkot desk →Haryana
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Gurugram
A commercial-property and corporate-services market where the strongest collateral is often a lease rather than a title — and where HSIIDC allotment terms decide whether an industrial plot…
Gurugram desk →Faridabad
An older engineering belt where the collateral is frequently worth more than the business that sits on it — and where an honest valuation conversation up front prevents the late repricing…
Faridabad desk →Karnataka
The 2023 amendment removed the cap. Security cost now scales with the facility.
Bengaluru
The one large market where security-creation cost genuinely changes the deal structure — since the 2023 stamp amendment removed the cap on deposit-of-title-deeds duty, a large facility here…
Bengaluru desk →Madhya Pradesh
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Indore
Central India's distribution hub, where a large share of turnover is channel business for national principals — and where a distributor's limit is really being sized against the principal's…
Indore desk →Maharashtra
Mortgage stamp duty is capped, which makes large facilities unusually cheap to secure.
Mumbai
India's deepest credit market, and the one where a weak file is most likely to be declined on presentation rather than merit — every lender's regional and national credit desk sits within…
Mumbai desk →Thane
A manufacturing and warehousing belt that banks treat as part of Mumbai for pricing but as its own valuation zone for collateral — which is where most Thane files get repriced…
Thane desk →Navi Mumbai
A CIDCO leasehold market, which changes the collateral question entirely — lenders are not underwriting freehold title here, they are underwriting a lease and the transfer permissions…
Navi Mumbai desk →Pune
An auto-ancillary and IT market where the credit question is usually concentration risk: one OEM buyer taking 60% of your sales reads very differently to a credit committee than the same…
Pune desk →Punjab
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Ludhiana
A hosiery, bicycle-parts and machine-tool cluster of largely family-owned units, where the credit constraint is usually informal working capital sitting outside the books — and where…
Ludhiana desk →Rajasthan
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Jaipur
A gems, handicrafts and stone market where a lot of the real turnover is export job work, and where the file has to explain the business model before it can explain the numbers — most…
Jaipur desk →Tamil Nadu
Capped in absolute rupees — the cheapest large-ticket security creation among the metros.
Chennai
An OEM city, which means most credit files here are really assessments of somebody else's payment behaviour — the Tier-1's rating and the OEM's payment cycle decide the terms far more than…
Chennai desk →Coimbatore
A pump, motor and textile-machinery cluster with unusually deep co-operative and small-finance-bank penetration — which means the cheapest quote in Coimbatore often comes from a lender a…
Coimbatore desk →Telangana
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Hyderabad
Pharma capex and IT-adjacent real estate dominate the large-ticket credit here, and both are underwritten on regulatory milestones — a USFDA observation or a missing HMDA sanction moves a…
Hyderabad desk →Uttar Pradesh
Security creation is a state levy. Budget it from the current schedule, not from a national average.
Noida
An authority-leasehold market. Almost every industrial and institutional plot in Noida and Greater Noida is held on a Noida Authority or GNIDA lease, and the lease dues position — not the…
Noida desk →West Bengal
Broadly 0.25%–0.5% of the amount secured, with local levies in Kolkata.
Kolkata
Our branch city, and a market where PSU banks still hold a larger share of MSME credit than almost anywhere else — which changes the file entirely, because a PSU credit committee asks a…
Kolkata desk →Facilities
Available in every city on this page
Loan Against Property
Term funding against commercial, residential or industrial collateral — expansion, debt consolidation, promoter contribution or partner buy-out.
Business Loan
Secured and MSME business term funding assessed on turnover, account conduct and security cover rather than a single credit score.
Cash Credit
Revolving working capital limit against stock and book debts. Interest on utilisation only, drawing power recalculated monthly.
Overdraft
Fixed limit against property or deposits with lighter reporting — a buffer for tax outflows, seasonal procurement and lumpy receipts.
Project Loan
Capex and construction funding with moratorium and repayment matched to the project's own cash generation.
Invoice Funding
Receivables and certified bills converted to cash ahead of due date, including LC, BG and export credit lines.