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🏭 Loan Product

MIDC Property Loans

Finance against MIDC sheds, plots & industrial gala — purchase, construction, or loan against property

Industrial property
Loan Amount
Up to ₹20 Crore
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

MIDC Property Loans — Key Facts

Loan Amount
Up to ₹20 Crore
Interest Rate
9.5% – 11% p.a.
Collateral
MIDC shed, plot or industrial gala
Tenure
Up to 15 years
Sanction Time
3 – 6 weeks
Funding
60–75% of value (LAP) · up to 85% (purchase)
Overview

What It Is & How It Works

MIDC properties — leasehold plots, sheds, and industrial gala — need lenders who actually understand MIDC transfer procedures, differential premiums, and leasehold documentation. Most retail bankers don't. We do.

Fincentrix arranges purchase finance, construction finance, and Loan Against Property (LAP) on MIDC industrial assets across Bhosari, Chakan, Talegaon, Talwade, and Ranjangaon. Because these are secured loans, rates are among the lowest available to MSMEs — typically 9.5–11%.

LAP against your existing shed is often the fastest way to release large capital for expansion, machinery, or debt consolidation at a lower blended cost.

How It Works

Funding Against Your MIDC Asset

From valuation to disbursal MIDC Asset Shed, plot or gala Legal & Technical Title + valuation Loan Sanctioned 60–85% of value Disbursal Purchase / LAP / construction

We handle MIDC transfer orders, leasehold documentation and differential premium — the parts most retail bankers stumble on.

How It Works

How Much You Can Borrow

Loan-to-value by purpose Purchase finance up to 85%LAP (loan against shed) 60–75%

Being fully secured, these are the cheapest MSME loans — typically 9.5–11% p.a.

Eligibility Criteria

  • Clear and marketable title / MIDC allotment documents
  • MIDC transfer order & lease deed available
  • Business or income proof to support repayment
  • Property in an approved industrial area
  • No pending MIDC dues on the property

Documents Required

  • MIDC allotment letter, lease deed & transfer order
  • Sanctioned building plan & completion certificate (if built)
  • Property tax / MIDC service charge receipts
  • 2–3 years ITR with financials
  • 12 months bank statements
  • KYC of all owners / borrowers
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Industries We Serve

Built for MIDC-belt Sectors

Manufacturing Units
Warehousing & Logistics
Engineering Workshops
Cold Storage
Industrial Job-work
Assembly Units
Get Started

Apply for MIDC Property Loans

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

Yes — most banks and NBFCs lend against MIDC leasehold property, provided the lease tenure and documentation meet their policy. We match you with lenders comfortable with MIDC assets.
Typically 60–75% of the market value for LAP, and up to 80–85% for purchase finance, subject to income eligibility.
Being fully secured, MIDC property loans are the cheapest MSME product — roughly 9.5–11% p.a. depending on lender and profile.
Yes — via a top-up with the existing lender or a balance transfer plus top-up to a new lender at a better rate.
Expect 3–6 weeks including legal and technical valuation of the property. MIDC NOC/transfer steps can add time if pending.
Construction finance is available against approved plans, disbursed in stages linked to construction progress.
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Other Finance Products

Apply for MIDC Property Loans

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

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