Home / Commercial Property Loans / Industrial Property Loan
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Capital against factories & industrial units.
Purchase or mortgage industrial sheds, factory buildings and manufacturing units — with lenders who understand industrial valuations.
40–60%
LTV on industrial assets
₹1–100 Cr
Ticket size
10–15 yrs
Tenure
Overview
Industrial assets need industrial underwriters
Industrial LTVs run lower (40–60%) and surveyors count only as-sanctioned construction — unapproved mezzanines and extensions get valued out. We pre-empt these deductions before submission.
Units inside industrial estates (WBIDC, MIDC-type allotments) carry transfer and leasehold conditions that decide which lenders can even take the file — routing matters.
At a glance
AssetsFactories, sheds, industrial galas
LTV40–60% of compliant valuation
RiskUnapproved construction valued out
LeaseholdEstate NOCs decide lender eligibility
Who is eligible?
- Manufacturers & owners of industrial property
- Sanctioned-plan-compliant construction
- Estate transfer NOC where leasehold
- Business income servicing the EMI
- Clean title & tax receipts
Documents you'll need
- Title / allotment documents & estate NOC
- Sanctioned plan & completion certificate
- 3 years' financials & ITR
- 12 months' bank statements
- Pollution / factory licences as applicable
Unlocking capital from your factory? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility