Securing a high‑value loan of ₹10 crore is achievable in India, but it requires structured preparation, the right loan product, and lender‑ready documentation. Whether your requirement is for business expansion, commercial property acquisition, or liquidity against assets, understanding how to get a 10 cr loan is the first and most critical step. This guide incorporates lender requirements, RBI‑aligned practices, and the complete application process followed by Creditcares.
1. What does a 10 crore loan mean in practical terms?
A ₹10 crore loan is classified as a high‑ticket exposure by banks and NBFCs. Lenders assess not just income, but asset strength, business sustainability, cash flow visibility, and credit behaviour. Most approvals are asset‑backed, with structured repayment and periodic monitoring. According to Reserve Bank of India guidelines on large exposures, financial institutions follow strict assessment protocols for high-value loans. Understanding how to qualify for business loan against property becomes crucial at this loan level.
2. Best loan options to get a 10 cr loan
If you are evaluating how to get a 10 cr loan, the following options are most viable:
Home Loan (High‑Value)
- Purpose: Purchase or construction of premium residential property
- Tenure: Up to 30 years
- Typical lenders: HDFC Bank, Bajaj Housing Finance
- Collateral: Property being purchased
When comparing lenders, check our detailed guide on SBI vs HDFC: Who Offers Better LTV on Commercial Properties to make an informed decision.
Loan Against Property (LAP)
- Purpose: Business expansion, debt consolidation, liquidity
- Collateral: Residential or commercial property
- Loan amount: Up to 70–75% of property value
- Highly preferred for ₹10 crore funding
Our Loan Against Property services are specifically designed to help you leverage your assets effectively. Learn more about loan against property eligibility criteria for 2026.
Business Loan (Secured)
- Suitable for established enterprises
- Often combined with collateral or property backing
- Structured as term loan or working capital
For businesses with cash flow needs, explore corporate loan DSA services in Kolkata for specialized assistance.
Loan Against Securities (LAS)
- Secured against shares, mutual funds, or insurance
- Faster processing, but market‑linked risk
3. Eligibility criteria for a 10 crore loan
While lender policies differ, common benchmarks apply:
- Nationality: Indian resident or eligible NRI
- Age: 23–70 years at loan maturity
- Credit Score: 725+ preferred (understand CIBIL score requirements)
- Business Vintage: Minimum 3–4 years for self‑employed
- Income Stability: Proven cash flows and profitability
- Collateral Strength: Marketable, legally clear asset
Meeting these parameters significantly improves approval probability when planning how to get a 10 cr loan. Even if you have challenges, explore options for business loan with low CIBIL score to understand alternative pathways. For companies, maintaining a strong CIBIL MSME Rank (CMR) is essential.
4. Documents required for a 10 cr loan
Based on lender and Creditcares processing requirements:
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
Address Proof
- Electricity Bill
- Water Bill
- Passport
Income / Business Proof
- Income Tax Returns (ITR) – Learn how to download your financial statements from the Income Tax Portal
- Audited Financial Statements
- Bank Statements
- Business Registration Documents
Business Documentation
- Business registration certificates
- Applicable licenses and approvals
- Company Credit Report (CCR) for Pvt Ltd or LLP
Having complete and updated documents accelerates approval and avoids underwriting delays. If you’re a newly registered company, start building your CIBIL MSME Rank from Day 1.
5. Interest rates, tenure, and repayment structure
- Interest Rate: Depends on loan type, risk profile, and collateral quality. HDFC Bank business loan rates typically range from 9.50% onwards
- Tenure: 10–30 years (home loan/LAP)
- Repayment: EMI or structured cash‑flow based repayment
- Prepayment: Often allowed; floating‑rate loans usually have no penalty
According to SBI’s lending guidelines, high-value loans benefit from negotiated rates based on business relationships and collateral quality.
6. Step‑by‑step apply process with Creditcares
If you are ready to proceed on how to get a 10 cr loan, follow this structured application process:
- Visit www.creditcares.in
- Navigate to Loans section
- Select your loan type (e.g., Loan Against Property)
- Fill the online application form with basic details
- Submit KYC, income, and property documents
- Lender verification and collateral valuation
- Sanction letter issuance
- Final disbursement
Creditcares acts as an end‑to‑end advisor, coordinating with banks and NBFCs to optimise approval terms. Our loan DSA partner program ensures you get expert guidance throughout the process.
7. Approval timeline and disbursement
- Initial assessment: 48–72 hours
- Property valuation and legal checks: 5–7 working days
- Final sanction: 7–10 working days
- Disbursement: Post documentation and compliance
Timelines depend on document readiness and asset location. For specialized needs like construction finance, additional technical evaluations may apply.
8. Common reasons for rejection and how to avoid them
- Low credit score → Rectify before applying
- Unclear property title → Conduct legal due diligence
- Weak cash flows → Structure loan correctly
- Over‑leveraging → Maintain healthy debt ratios
Strategic pre‑assessment is critical when planning how to get a 10 cr loan without setbacks. Review the mistakes to avoid when applying for an overdraft loan which apply to high-value loans as well.
9. FAQs on how to get a 10 cr loan
Q. Can I get a 10 crore loan without collateral?
A. Purely collateral‑free options are rare at this ticket size; most approvals are secured. However, explore business loan 20 lakh without collateral as a starting point for understanding unsecured options.
Q. Which loan is best for a ₹10 crore requirement?
A. Loan Against Property is typically the most flexible and cost‑effective. Connect with mortgage loan DSA near Dum Dum Kolkata or your local Creditcares office.
Q. How long does approval take?
A. Usually 10–15 working days, subject to documentation.
Q. What if my CIBIL score is below 725?
A. You may still qualify with strong collateral and income proof. Read our guide on what affects your loan approval in 2025 for detailed insights.
Q. Can I use the loan for multiple purposes?
A. Yes, LAP offers flexibility for business expansion, debt consolidation, working capital, or personal needs.
Final takeaway
Understanding how to get a 10 cr loan is about preparation, positioning, and choosing the right advisory partner. With structured documentation, strong collateral, and expert guidance from Creditcares – West Bengal’s #1 Mortgage Loan Agency, high‑value funding becomes a practical and achievable outcome.
Whether you’re a first-time borrower building your first-time CIBIL score or an established business seeking expansion capital, the right preparation makes all the difference. Start your journey today by visiting Creditcares or calling our expert loan consultants.
Ready to secure your ₹10 crore loan? Apply Now →
Need personalized assistance? Our loan experts are available 24/7 to guide you through every step of the process. Contact Creditcares today!
