Infrastructure Finance Loans in India
Explore infrastructure project financing enquiries for roads, highways, renewable energy, power generation, ports, railways, water treatment, urban development, telecom and other eligible infrastructure projects.
Indicative project finance range: ₹10 Crore to ₹10,000+ Crore
Indicative interest rates: 8.25%–13.50% p.a.
Potential repayment tenure: 10–25 years, depending on project and lender
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Infrastructure Project Finance at a Glance
Large-Scale Projects
Explore financing enquiries for infrastructure development, capital expenditure and eligible public or private sector projects.
Energy & Renewables
Potential funding routes for solar, wind, power generation, transmission and energy infrastructure.
Transport & Mobility
Roads, highways, bridges, railways, ports, logistics hubs and urban mobility projects.
Water & Urban Infrastructure
Explore eligible water treatment, sanitation, municipal and urban development financing.
What Is Infrastructure Finance?
Infrastructure finance refers to funding arranged for capital-intensive projects that build, operate or upgrade essential physical and public-service assets. Financing may be provided through commercial banks, specialist infrastructure lenders, NBFCs, development finance institutions or consortium arrangements.
Depending on the transaction, funding may be structured as project finance, term debt, syndicated lending or other eligible facilities. Loan amounts, interest rates, security, tenure and disbursement conditions depend on the lender's appraisal and the project's financial and technical viability.
1. Infrastructure Finance: Commercial Banks
Commercial banks may extend project debt, consortium financing and working-capital facilities for eligible infrastructure projects in transport, energy, ports, urban mobility and digital infrastructure.
| Bank / Institution | Minimum Loan | Maximum Loan | Typical Tenure | Indicative Interest Rate (p.a.) | Processing Fee / Upfront Fee |
|---|---|---|---|---|---|
| State Bank of India (SBI) | ₹10 Crore | Project-specific (Syndicated limits) | Up to 15 – 20 years | 8.25% – 10.50% (linked to EBLR/MCLR) | 0.25% – 1.00% + GST |
| Bank of Baroda | ₹5 Crore | Exposure norm limits | Up to 15 years | 8.40% – 10.75% | 0.25% – 0.75% + GST |
| Punjab National Bank (PNB) | ₹5 Crore | Exposure norm limits | Up to 15 years | 8.50% – 11.00% | 0.30% – 1.00% + GST |
| HDFC Bank | ₹25 Crore | Project capacity / Consortium | Up to 12 – 15 years | 8.75% – 11.25% | 0.50% – 1.25% + GST |
| ICICI Bank | ₹20 Crore | Project capacity / Consortium | Up to 15 years | 8.80% – 11.50% | 0.50% – 1.25% + GST |
| Axis Bank | ₹15 Crore | Consortium limits | Up to 12 – 15 years | 8.90% – 11.75% | 0.50% – 1.50% + GST |
2. Infrastructure NBFCs & Financial Institutions
Specialist infrastructure financiers and development finance institutions may evaluate capital-intensive projects across power, renewable energy, highways, railways and urban infrastructure.
| NBFC / Institution | Minimum Loan | Maximum Loan | Typical Tenure | Indicative Interest Rate (p.a.) | Processing Fee / Upfront Fee |
|---|---|---|---|---|---|
| PFC (Power Finance Corporation) | ₹25 Crore | Up to 70%–80% of project cost | Up to 15 – 20 years | 8.50% – 11.50% | 0.50% – 1.00% + GST |
| REC Limited | ₹25 Crore | Project-specific (Power & Infra) | Up to 15 – 20 years | 8.50% – 11.50% | 0.50% – 1.00% + GST |
| IREDA (Green/Renewables) | ₹5 Crore | Up to 75%–80% of project cost | Up to 10 – 15 years | 8.50% – 10.90% | 0.50% – 1.00% + GST |
| HUDCO (Housing & Urban Infra) | ₹10 Crore | Up to 75% of project cost | Up to 15 years | 8.65% – 11.20% | 0.50% – 1.00% + GST |
| NaBFID | ₹100 Crore | Large-scale syndicated debt | Up to 20 – 25 years | 8.25% – 9.75% | 0.25% – 0.75% + GST |
| L&T Infrastructure Finance | ₹15 Crore | Project viability limits | Up to 10 – 12 years | 9.50% – 12.50% | 0.75% – 1.50% + GST |
| Tata Capital Infra Finance | ₹10 Crore | Project viability limits | Up to 10 – 12 years | 9.75% – 13.00% | 0.75% – 1.50% + GST |
3. Small Finance Banks: Business & Micro-Enterprise Loans
Small Finance Banks focus on priority-sector lending, eligible MSMEs, secured business finance, loans against property and small commercial financing. These are not necessarily specialist large-scale infrastructure project lenders.
| Small Finance Bank | Minimum Loan | Maximum Loan | Typical Tenure | Indicative Interest Rate (p.a.) | Processing Fee / Upfront Fee |
|---|---|---|---|---|---|
| AU Small Finance Bank | ₹2 Lakh | ₹10 Crore (Secured MSME) | 1 to 12 years | 11.00% – 22.00% | Up to 2.00% – 2.50% + GST |
| Equitas Small Finance Bank | ₹1 Lakh | ₹5 Crore | 1 to 7 years | 12.00% – 21.00% | Up to 2.00% + GST |
| Ujjivan Small Finance Bank | ₹50,000 | ₹2 Crore | 1 to 5 years | 13.00% – 23.00% | Up to 2.00% + GST |
| Jana Small Finance Bank | ₹1 Lakh | ₹5 Crore | 1 to 7 years | 12.50% – 22.00% | Up to 2.50% + GST |
| ESAF Small Finance Bank | ₹25,000 | ₹1 Crore | 6 months to 5 years | 13.50% – 24.00% | Up to 2.00% + GST |
| Utkarsh Small Finance Bank | ₹50,000 | ₹1 Crore | 1 to 5 years | 13.00% – 22.50% | Up to 2.00% + GST |
| Suryoday Small Finance Bank | ₹1 Lakh | ₹1.5 Crore | 1 to 5 years | 14.00% – 23.00% | Up to 2.50% + GST |
| Slice / North East SFB | ₹1 Lakh | ₹3 Crore | 1 to 5 years | 11.10% – 20.00% | Up to 2.00% + GST |
Key Features of Infrastructure Finance
Long-Term Repayment
Infrastructure projects may require repayment periods of 10–30 years, depending on project life, cash flow and lender policy.
High Capital Requirements
Projects often require substantial initial investment in land, engineering, construction, equipment and commissioning.
Consortium Lending
Multiple lenders may participate in a large facility to share exposure and finance large eligible projects.
Moratorium Options
A construction-period moratorium may be considered where sanctioned terms permit. Interest and other obligations may still apply.
Project Security
Security may include project assets, receivables, escrow arrangements, land or other collateral, subject to legal and lender requirements.
SPV / PPP Structures
Some projects use a Special Purpose Vehicle (SPV) or Public-Private Partnership (PPP) structure. The financing structure varies by project.
Infrastructure Finance Eligibility Criteria
Eligible Borrowers
- Special Purpose Vehicles (SPVs)
- Public Sector Undertakings (PSUs)
- Private infrastructure developers
- Joint ventures and eligible project companies
- PPP concessionaires and project sponsors
Project Requirements
- Clearly defined project scope and cost
- Technical and financial feasibility
- Applicable sector approvals and licences
- Land and concession rights where required
- Viable construction and operating plans
Financial Assessment
- Promoter contribution and equity availability
- Cash-flow projections and repayment capacity
- DSCR and leverage ratios assessed by lender
- Credit history and financial standing
- Security and guarantees where applicable
Debt-equity ratios and DSCR thresholds vary by sector, project stage and lender. No single ratio guarantees eligibility or approval.
Infrastructure Finance: Documents Required
The exact checklist varies according to project type, borrower structure, lending institution and regulatory requirements.
1. Corporate & KYC Documents
- Certificate of Incorporation
- Memorandum and Articles of Association
- Company PAN and applicable tax registrations
- Board resolutions and borrowing authorisations
- Promoter/director KYC documents
- Shareholding and beneficial ownership details
2. Technical & Project Documents
- Detailed Project Report (DPR)
- Technical and feasibility reports
- Project cost estimates and implementation schedule
- Concession agreement or government award letter, where applicable
- Environmental and forest clearances, where applicable
- Land acquisition, lease and title documents
3. Financial & Tax Documents
- Audited financial statements of the project company/promoters, typically 3–5 years where available
- Financial model and cash-flow projections
- Projected profit and loss and balance sheets
- DSCR, debt-equity and sensitivity analysis
- GST and income tax filings, where applicable
- Proof of equity contribution and funding sources
4. Commercial & Security Documents
- EPC construction agreement
- Operations and Maintenance (O&M) agreement
- Power Purchase Agreement (PPA), where applicable
- Fuel Supply Agreement (FSA), where applicable
- Insurance, valuation and legal reports
- Escrow, receivables and security documents, where required
Infrastructure Project Risks to Consider
Construction Risk
Delays, cost overruns, contractor performance and commissioning challenges can affect project cash flows.
Regulatory Risk
Permits, environmental conditions, land rights and policy changes may affect the project timeline.
Market & Revenue Risk
Demand, tariffs, offtake contracts, interest-rate changes and operating costs can affect debt servicing.
Repayment Risk
Stress-test cash flows and consider contingencies, debt-service reserves and suitable financing structures.
Non-recourse financing is not universal. Guarantees, sponsor support or additional security may be required under particular financing arrangements.
Explore All LoansBazaar India Loan Products
Submit an enquiry for the product that best matches your funding requirement. Product availability and lender participation are subject to eligibility and current lending policies.
Personal & Retail Loans
- Personal Loan
- Home Loan
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- Loan Against Property
- Car Loan
- Two-Wheeler Finance
- Education Loan
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Business & MSME Finance
- Business Loan
- MSME Loan
- Working Capital Finance
- Cash Credit (CC)
- Overdraft (OD)
- Corporate Term Loan
- Machinery & Equipment Finance
- Invoice Discounting
- Purchase Order Finance
- Project Finance
- Startup Business Funding
- Medical & Professional Loan
Corporate & Infrastructure Finance
- Infrastructure Finance
- Corporate Term Loans
- Large Business Finance
- Road & Highway Project Finance
- Renewable Energy Finance
- Solar Project Finance
- Power & Transmission Finance
- Urban Infrastructure Finance
- Water Treatment Project Finance
- Commercial Property Finance
- Equipment & Plant Finance
- Debt Refinancing Enquiries
- Consortium Finance Enquiries
Agriculture & Rural Finance
- Poultry Farming Loan
- Fisheries Loan
- Livestock Loan
- Farm Equipment Loan
- Tractor Finance
- Warehouse Finance
- Cold Storage Finance
- Agri Infrastructure Loan
- Food Processing Loan
- Farmer Gold Loan
- Rural Business Loan
- Self-Help Group (SHG) Loan
- Joint Liability Group (JLG) Loan
School, Hospital & Institutional Finance
- School Funding Loan
- College Funding Loan
- Educational Institution Finance
- School Infrastructure Finance
- School Bus Finance
- Hospital Finance
- Healthcare Business Loan
- Medical Practice Loan
- Diagnostic Centre Finance
- Nursing Home Finance
- Pharmacy Business Loan
- Laboratory Equipment Finance
Specialized & Commercial Finance
- Invoice & Receivables Finance
- Machinery Finance
- Commercial Vehicle Finance
- Supply Chain Finance
- Business Takeover Funding
- Project-Based Funding
- Equipment Finance
- Institutional Equipment Finance
- Infrastructure Equipment Funding
- Eligible Government-Linked Finance Enquiries
- Sector-Specific Business Funding
How LoansBazaar India Assists
01. Understand
Share your sector, project cost, funding requirement and proposed tenure.
02. Compare
Explore available financing channels that may suit the project and borrower profile.
03. Prepare
Organise the DPR, financial model, approvals, KYC and security documents.
04. Apply & Track
Proceed with the relevant lender application and follow its appraisal process.
Planning an Infrastructure Project?
Start a financing enquiry for roads, energy, renewable power, urban development, water infrastructure or other eligible projects.
Infrastructure Finance FAQs
What is the minimum loan amount for infrastructure finance?
Requirements vary by institution and project. The lender-wise indicative figures above show different minimum amounts. Actual eligibility and ticket size must be confirmed with the institution.
What is the interest rate for infrastructure finance in India?
The supplied indicative range is 8.25%–13.50% p.a. for infrastructure finance. These rates have not been verified as current offers from the listed institutions. Actual pricing depends on the project, risk, security, benchmark and lender terms.
Can infrastructure projects receive a 20–25 year loan?
Some large infrastructure projects may be structured for longer tenures. The available repayment period depends on the asset life, project cash flows, concession period, risk assessment and the lender's policy.
What is an SPV in project finance?
A Special Purpose Vehicle is an entity established for a defined project. It may hold project rights, assets, contracts and financing obligations, depending on the legal and commercial structure.
What documents are required?
Common documents include a DPR, feasibility report, project cost and financial model, corporate KYC, audited financial statements, equity contribution evidence, regulatory clearances and commercial agreements where applicable.
Is infrastructure finance always non-recourse?
No. Financing may be full-recourse, limited-recourse or non-recourse depending on the transaction. Sponsor guarantees, additional security or support undertakings may be required.
Can I use the EMI calculator for a large infrastructure loan?
You can use the website's EMI calculator for an indicative repayment estimate if the calculator supports your loan amount, rate and tenure. Actual infrastructure facilities may have structured drawdowns, moratoriums, quarterly repayments or other schedules that a standard EMI calculator does not capture.
Does applying through LoansBazaar India guarantee approval?
No. Submitting an enquiry does not guarantee approval, a particular interest rate, loan amount or disbursement. The relevant lender makes the final decision after appraisal.
Important Financial Disclaimer
The loan amounts, interest rates, repayment tenures, processing fees and other figures shown on this page are indicative and provided for general informational purposes only. They are based on the supplied reference information and have not been independently verified as current offers from individual banks, NBFCs or financial institutions. Listing a lender does not confirm that a particular product is currently available or that the lender will accept an application.
Actual loan terms, eligibility, interest rates, fees, GST, collateral, guarantees, project contribution, moratorium, approval and disbursement are subject to the respective institution's policies, applicable regulations, project appraisal, credit assessment and final sanction. Additional legal, valuation, inspection, stamp duty, documentation and other charges may apply.
LoansBazaar India provides financial information and loan enquiry assistance and facilitates access to available financing options, subject to applicable arrangements. It does not guarantee approval, disbursement, the lowest interest rate or any particular loan terms. Applicants should independently verify all offers and conditions directly with the relevant lender and obtain professional financial, legal and tax advice where appropriate before committing to a financing arrangement.
Last Updated: 26 October 2026