Overview of Industrial Loan in Ghaziabad
Industrial loans in Ghaziabad support businesses in financing industrial projects, machinery, or infrastructure in areas like Sahibabad Industrial Area, Loni, and Mohan Nagar. In 2025, lenders such as SIDBI, HDFC Bank, and ICICI Bank offer industrial loans with interest rates starting at 8.5% p.a. and loan amounts up to ₹100 crore, depending on project scale. Loanpao assists Ghaziabad businesses in comparing offers, checking eligibility, and securing industrial loans with quick disbursal.
Eligibility Criteria for Industrial Loan in Ghaziabad
| Criteria | Details |
|---|---|
| Applicant Type | Registered businesses, MSMEs, or corporates |
| Business Vintage | Minimum 3 years of operation |
| Annual Turnover | Minimum ₹1 crore |
| Credit Score | Minimum 700 (business or promoter) |
| Collateral | Property, machinery, or project assets |
| Project Viability | Detailed project report required |
Documents Required for Industrial Loan in Ghaziabad
- Business Proof: GST registration, Udyam certificate, or company registration.
- Identity Proof: PAN Card, Aadhaar Card of promoters/directors.
- Financials: Audited balance sheets, ITRs (3 years), profit & loss statements.
- Bank Statement: Last 12 months of business account.
- Project Documents: Detailed project report, cost estimates, approvals.
- Collateral Documents: Property papers, valuation report, or asset details.
Benefits of Industrial Loan in Ghaziabad
- Competitive interest rates starting at 8.5% p.a. in 2025.
- High loan amounts up to ₹100 crore for large projects.
- Flexible repayment tenure from 5 to 15 years.
- Subsidies under schemes like CLCSS or TUF for eligible businesses.
- Quick disbursal within 15-30 days post-approval.
Factors Affecting Industrial Loan in Ghaziabad
Credit Score
A business or promoter score above 700 ensures better terms.
Project Viability
A strong project report with clear ROI is critical for approval.
Collateral Value
Higher-value assets support larger loan amounts.
Business Financials
Stable revenue and profitability improve eligibility.
How to Apply for an Industrial Loan in Ghaziabad
Follow these steps to apply for an industrial loan in Ghaziabad through Loanpao:
- Visit loanpao.in and select "Industrial Loan in Ghaziabad."
- Fill out the application with business and project details.
- Upload financials, project report, and collateral documents.
- Get approval within 7-15 days after verification.
- Receive funds post-project appraisal and legal checks.
Loan Eligibility for Industrial Loan in Ghaziabad
Check your eligibility for an industrial loan in Ghaziabad with Loanpao’s eligibility tool:
- Enter business details (turnover, vintage, credit score).
- Provide project details (cost, scope, expected ROI).
- Upload financials and collateral documents for verification.
Loanpao will assess your eligibility and suggest the best industrial loan offers in Ghaziabad.
Check Eligibility NowTrack Your Industrial Loan Application in Ghaziabad
Loanpao provides a seamless tracker for your industrial loan application:
- Submit your application ID on the Loanpao Tracker page.
- Get real-time updates (e.g., verification, appraisal, disbursal).
- Receive notifications for project approval and fund release.
- Contact Loanpao support for assistance with delays.
Industrial Loan Comparison in Ghaziabad
Compare industrial loan offers from top lenders in Ghaziabad:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| SIDBI | 8.5% p.a. | Up to ₹50 crore | 5 to 15 years | Up to 1% of loan amount |
| HDFC Bank | 9% p.a. | Up to ₹100 crore | 5 to 12 years | Up to 1.5% of loan amount |
| ICICI Bank | 8.75% p.a. | Up to ₹75 crore | 5 to 10 years | Up to 1.25% of loan amount |
Frequently Asked Questions
An industrial loan in Ghaziabad is a secured loan for businesses to finance industrial projects, machinery, or infrastructure development.
Interest rates start at 8.5% p.a., depending on the lender, project, and credit profile.
Approval takes 7-15 days, with disbursal within 15-30 days post-verification.
Yes, collateral like property, machinery, or project assets is typically required.
Loan amounts can go up to ₹100 crore, depending on project scale and financials.
Startups with less than 3 years of operation may face challenges but can explore MSME or govt. scheme loans.
Top lenders include SIDBI, HDFC Bank, and ICICI Bank in Ghaziabad.
Yes, Loanpao offers an online application process for industrial loans in Ghaziabad.
Processing fees range from 1% to 1.5% of the loan amount, depending on the lender.
Yes, subsidies under schemes like CLCSS or TUF may be available for eligible businesses.