India’s journey towards becoming a global economic powerhouse is driven by three essential factors – a young population, rising per capita income, and significant growth in infrastructure. This principle is particularly evident in Bangaluru, where well-developed infrastructure such as roads, public transport and technology hubs form the backbone of efficient business operations.
These advances support the smooth flow of goods and services, increasing operational efficiency for enterprises. Infrastructure funding in Bangalore plays an important role in maintaining this progress, promoting the rapid growth of the city and strengthening its position as a major financial hub.
Starts from Rs. 100 lacs with no upper limit
Interest Rates Subject to the financial ratio
Smooth Processing
Simple terms and less paperwork
Flexible Loan repayment (up to 60 Months)
Infrastructure extends beyond roads and bridges, encompassing a broad range of areas and industries. Here are several notable categories:
All the companies that are directly or indirectly associated with these industries become part of the Infrastructure Industry.
Bangalore’s infrastructure needs funding, including milestone-based payments and project costs, requiring capital from public and private sources. Funding plays a crucial role in project completion.
The government is the biggest customer. It can float the tender directly or through a public entity. If it is government funding, the company may majorly need the working capital in the form of a Bank Guarantee, which forms part of the non-fund-based limit. At the time of taking the order from the government, the company needs to submit the BG and the government will start releasing the payment on a milestone basis.
The working capital cycle changes when the company is working with private companies. Here generally you do not need to submit the bank guarantee. You will need the CC facility or OD Facility to procure the material and pay for your labour. Generally, the payment gets released based on the milestones and is typically paid within 30-90 / 120 days as per the payment terms.
Raising funds for infrastructure companies in Bengaluru requires careful consideration of several crucial factors. Here are a few key elements to keep in mind:
1. Bank Guarantee
2. Cash Credit
3. Overdraft
4. Vendor Financing
5. Sales Invoice Discounting
6. Working Capital Term Loan
7. Working Capital Demand Loan
8. Dropline Overdraft
There are different debt instruments. Each instrument has its criteria for raising the funds. Here are the important and preferred eligibility criteria:
1. Minimum 3 years of business vintage
2. Good Credit score
3. Your operational location
4. Your last year’s sales and profit
5. Current Year Sales
6. Current work order in hands
7. Existing debt of the company and regular repayments
8. Indian Shareholding.
These are the few most important criteria. And others may vary from company to company.
The length of the infrastructure funding process is determined by the availability of documentation. Here’s the list:
If you use short-term funds for long-term uses and long-term funds for short-term uses, both will harm your working capital. Choosing the right product for the right work order is important.
At Terkar Capital, we focus on understanding your unique needs to offer tailored solutions. For infrastructure funding in Bengaluru, we dive deep into your financial setup—analyzing balance sheets, work orders, and fund allocation strategies. We aim to help you find the best financing options, optimize your capital structure, and keep your project costs as low as possible.
Delhi | Bengaluru | Chennai | Kolkata | Ahmedabad | Surat
Growing Nationwide…
Note: All formal communication is solely via designated official emails.
