Warehouse & Logistics Finance in India
Explore financing solutions for warehouse construction, logistics parks, inventory funding, equipment purchases, warehouse receipts and supply chain operations. Compare available lender options and get professional application assistance across India.
Indicative Interest Rates: 8.25% – 18% p.a. | Loan Amount: ₹10 Lakh to Over ₹100 Crore | Tenure: 3 to 15 Years
Warehouse & Logistics Finance Overview
Warehouse and Logistics Finance refers to specialized commercial lending structures designed to support warehousing, inventory management, distribution networks and supply chain operations. Businesses can explore funding against eligible assets, stored inventory, warehouse receipts, receivables and operational cash flows.
Loan Amount
₹10 Lakh to Over ₹100 CroreDepending on project size, lender policy and eligibility.
Interest Rate
8.25% – 18% p.a.Indicative range; actual rates vary by lender.
Repayment Tenure
3 to 15 YearsFacility-specific repayment structures may vary.
Processing Fee
0.50% – 2.50%Plus applicable GST and other lender charges, where applicable.
Types of Warehouse & Logistics Financing
Warehouse Construction Finance
Funding assistance for greenfield warehouse construction, storage facilities, godowns and expansion of existing infrastructure.
Apply NowEMI CalculatorLogistics Park Development
Explore funding for logistics parks, distribution centres, industrial storage hubs and commercial logistics infrastructure.
Apply NowEMI CalculatorWarehouse Equipment Finance
Financing options for forklifts, material-handling equipment, automation systems and warehouse machinery.
Apply NowEMI CalculatorLease Rental Discounting (LRD)
Explore finance against eligible rental income from leased warehouses and commercial logistics properties.
Apply NowEMI CalculatorInventory Financing
Working capital solutions against eligible warehouse inventory and stored goods, subject to lender assessment.
Apply NowEMI CalculatorWarehouse Receipt Financing
Funding against eligible commodities stored in approved warehouses with valid warehouse receipts.
Apply NowEMI CalculatorInvoice Factoring
Working capital assistance against eligible outstanding invoices and approved customer receivables.
Apply NowEMI CalculatorFreight & In-Transit Finance
Explore funding for eligible freight costs, goods in transit and supply chain payment requirements.
Apply NowEMI CalculatorCommercial Banks – Warehouse & Logistics Finance
Commercial banks may offer larger ticket-size facilities and competitive borrowing rates to eligible businesses with satisfactory credit profiles, clear land titles, required approvals and demonstrated repayment capacity.
| Lender Name | Min Loan Amount | Max Loan Amount | Tenure Range | Interest Rate (p.a.) | Processing Fee | Apply / EMI |
|---|---|---|---|---|---|---|
| State Bank of India (SBI) | ₹25 Lakh | Up to ₹100+ Cr | Up to 15 Years | 8.25% – 10.50% | 0.50% – 1.00% + GST | Apply NowEMI Calculator |
| Bank of Baroda | ₹25 Lakh | Up to ₹100 Cr | 3 to 15 Years | 8.35% – 11.00% | Up to 1.00% + GST | Apply NowEMI Calculator |
| Punjab National Bank | ₹10 Lakh | Up to ₹50+ Cr | Up to 12 Years | 8.40% – 11.25% | 0.50% – 1.25% + GST | Apply NowEMI Calculator |
| HDFC Bank | ₹25 Lakh | Up to ₹50+ Cr | 3 to 12 Years | 8.75% – 12.00% | 1.00% – 1.50% + GST | Apply NowEMI Calculator |
| ICICI Bank | ₹20 Lakh | Up to ₹50+ Cr | 3 to 12 Years | 8.75% – 12.50% | 0.75% – 1.50% + GST | Apply NowEMI Calculator |
| Axis Bank | ₹25 Lakh | Up to ₹40 Cr | 3 to 10 Years | 9.00% – 13.00% | 1.00% – 1.75% + GST | Apply NowEMI Calculator |
NBFCs – Warehouse & Logistics Finance
NBFCs may offer alternative underwriting approaches and customized repayment structures for eligible warehouse, equipment and logistics businesses. Pricing and terms depend on the lender's assessment.
| NBFC Name | Min Loan Amount | Max Loan Amount | Tenure Range | Interest Rate (p.a.) | Processing Fee | Apply / EMI |
|---|---|---|---|---|---|---|
| Tata Capital | ₹15 Lakh | Up to ₹25 Cr | 1 to 10 Years | 10.50% – 14.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Bajaj Finserv | ₹10 Lakh | Up to ₹20 Cr | 1 to 8 Years | 11.00% – 15.50% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| Shriram Finance | ₹10 Lakh | Up to ₹15 Cr | 2 to 7 Years | 10.00% – 15.00% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| L&T Finance | ₹25 Lakh | Up to ₹30 Cr | 2 to 10 Years | 10.75% – 14.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Piramal Finance | ₹20 Lakh | Up to ₹25 Cr | 3 to 10 Years | 11.00% – 16.00% | 1.50% – 2.00% + GST | Apply NowEMI Calculator |
Small Finance Banks – Warehouse & Logistics Finance
Small Finance Banks may consider eligible MSME godowns, rural cold storage, regional logistics hubs and smaller warehousing projects, subject to their product policies and assessment.
| Small Finance Bank | Min Loan Amount | Max Loan Amount | Tenure Range | Interest Rate (p.a.) | Processing Fee | Apply / EMI |
|---|---|---|---|---|---|---|
| AU Small Finance Bank | ₹10 Lakh | Up to ₹10 Cr | 1 to 10 Years | 11.50% – 16.50% | 1.00% – 2.00% + GST | Apply NowEMI Calculator |
| Equitas Small Finance Bank | ₹5 Lakh | Up to ₹5 Cr | 1 to 7 Years | 12.00% – 17.00% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
| Ujjivan Small Finance Bank | ₹5 Lakh | Up to ₹5 Cr | 1 to 7 Years | 12.50% – 17.50% | 1.50% – 2.00% + GST | Apply NowEMI Calculator |
| Jana Small Finance Bank | ₹10 Lakh | Up to ₹5 Cr | 1 to 6 Years | 13.00% – 18.00% | 1.50% – 2.50% + GST | Apply NowEMI Calculator |
Key Borrowing Guidelines
Margin Money / Promoter Contribution
Lenders may finance roughly 65% to 75% of the total project cost, requiring a 25% to 35% promoter equity contribution.
Moratorium Period
Construction term loans may include an interest-only moratorium of 6 to 24 months until the facility becomes operational, subject to lender approval.
Primary Collateral
The warehouse land and structural shed may be mortgaged as primary security, alongside hypothecation of eligible material-handling equipment.
Alternative Products
Operational businesses may explore Lease Rental Discounting (LRD) against eligible tenant leases or Warehouse Receipt Financing for inventory working capital.
Warehouse & Supply Chain Finance – Key Features
Asset-Backed Funding
Explore funding linked to eligible warehouse commodities, inventory and other acceptable business assets.
Variable Credit Lines
Eligible working capital limits may be linked to inventory value and periodic stock assessments.
Inventory Monitoring
Some financing structures may use warehouse management systems (WMS), stock audits and collateral monitoring.
Freight Financing
Funding assistance for eligible raw material movement, freight and ocean cargo costs.
Structured Repayment
Repayment structures may be aligned with business cash flows and product sales cycles.
In-Transit Financing
Explore eligible finance for goods during transportation and cargo movement.
Supplier Payables
Some structures may support supplier payments directly through the financing institution.
Reverse Logistics Support
Explore working capital for eligible returns processing, restocking and reverse supply chain operations.
Multi-Currency Support
Eligible international businesses may explore foreign currency facilities subject to lender and regulatory requirements. Foreign exchange risk may apply.
Eligibility Criteria
- Operational History: Minimum 2 to 3 years of audited trading records.
- Inventory Quality: Stored goods should generally be fast-moving and non-perishable for relevant inventory-backed facilities.
- Warehouse Compliance: Facilities may need to be bonded, approved or verified by third-party warehouse operators, depending on the product.
- Credit Profile: Strong repayment capacity and debt-service coverage ratio (DSCR), typically >1.25x.
- Turnover Metrics: Satisfactory annual turnover and inventory movement history.
- Business Profile: Proprietorship, partnership, LLP, private limited company or other eligible business structures, as accepted by the lender.
- Security: Acceptable collateral, inventory, receivables or warehouse assets, depending on the facility.
Required Documents
Corporate Records
Three years of audited financial statements, business registration documents, PAN, KYC and ownership details.
Inventory Schedules
Certified stock reports showing inventory valuation, quantity, quality and age of stock.
Warehouse Receipts
Valid warehouse receipts and signed records from the warehouse manager or approved warehouse operator, where applicable.
Logistics Contracts
Active customer agreements, supplier contracts, transport agreements and bill of lading records, where applicable.
Insurance Policies
Proof of relevant cargo, stock and warehouse insurance coverage.
Banking & Financials
Bank statements, GST returns, ITR, projected cash flows, outstanding loan details and other lender-requested financial records.
Financing Options Comparison
| Feature | Inventory Financing | Warehouse Receipt Loans | Invoice Factoring |
|---|---|---|---|
| Primary Collateral | Unsold warehouse stock | Specific goods in bonded storage | Outstanding customer invoices |
| Funding Velocity | Moderate (requires audits) | Fast (tied to receipt issuance) | Rapid (typically 24–48 hours) |
| LTV Ratio | 50% – 70% of cost | 70% – 85% of market value | 80% – 90% of invoice face value |
| Best Used For | Peak seasonal builds | Bulk commodity trading | Working capital gaps |
How to Apply with LoansBazaar India
Explore All Loan Products at LoansBazaar India
Explore financing assistance across business, personal, property, equipment and institutional requirements. Availability is subject to lender policies and applicant eligibility.
Personal Loan
Personal funding options for eligible salaried and self-employed applicants.
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Business expansion, working capital and operational funding assistance.
Apply NowEMI CalculatorCommercial Real Estate Finance
Finance assistance for offices, retail spaces, warehouses and commercial properties.
Apply NowEMI CalculatorLoan Against Property (LAP)
Explore secured funding against eligible residential or commercial property.
Apply NowEMI CalculatorCar Loan
Vehicle purchase finance options for eligible applicants and businesses.
Apply NowEMI CalculatorEducation Loan
Education funding assistance for eligible domestic and overseas studies.
Apply NowEMI CalculatorMachinery & Equipment Loan
Finance options for industrial machinery, equipment and business assets.
Apply NowEMI CalculatorOverdraft (OD)
Working capital limits to manage eligible business cash flow requirements.
Apply NowEMI CalculatorCash Credit (CC)
Working capital finance against eligible stock and receivables.
Apply NowEMI CalculatorStructured Finance
Customised funding assistance for eligible complex business and corporate requirements.
Apply NowEMI CalculatorConsortium Finance
Explore multi-lender funding structures for eligible large projects and businesses.
Apply NowEMI CalculatorInvoice Discounting / Invoice Financing
Working capital assistance against eligible business invoices and receivables.
Apply NowEMI CalculatorIndustrial Expansion Finance
Funding assistance for eligible factory, plant, production and industrial expansion projects.
Apply NowEMI CalculatorFrequently Asked Questions
What is Warehouse and Logistics Finance?
It is a group of financing solutions for warehouse construction, logistics infrastructure, inventory, equipment, freight, warehouse receipts and eligible receivables.
What is the loan amount available?
Indicative facilities may range from ₹10 Lakh to over ₹100 Crore, depending on lender, project size, security and eligibility.
What are the interest rates?
The indicative range provided on this page is 8.25% to 18% p.a. Actual rates depend on lender policy, borrower profile, facility type and credit assessment.
What is the repayment tenure?
Repayment tenures may range from 3 to 15 years for the overall category. Individual lenders and products may offer different tenures, as shown in the comparison tables.
Can I get finance for warehouse construction?
Eligible businesses may explore construction or expansion finance subject to land title, approvals, project feasibility, promoter contribution and lender assessment.
Can I get finance against warehouse inventory?
Inventory financing or warehouse receipt finance may be available against eligible goods and valid supporting records, subject to lender and warehouse requirements.
Does LoansBazaar India approve or disburse loans?
LoansBazaar India provides financial product comparison, enquiry and application assistance. The respective bank or NBFC independently evaluates and decides on approval and disbursement.
Apply Online with LoansBazaar India
Get assistance to explore suitable warehouse, logistics, inventory and business finance options from participating lenders across India.
Contact Details
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