Layout Financing
Layout Financing refers to project-based funding provided to real estate developers or landowners for developing plotted layouts, townships, or residential colonies. These loans help cover land development, infrastructure, marketing, and project execution costs.
Key Features
- Funding for layout development including roads, drainage, water, and amenities
- Loan amount based on project size, approval status, and cash flow
- Tenure usually ranges from 1 to 5 years
- Structured disbursal linked to development milestones
- Both term loan and overdraft formats available
Eligibility Criteria
- Real estate developers, firms, or landowners with clear title
- RERA registration and project approvals
- Track record in project execution preferred
- Valid development agreement (if applicable)
Required Documents
- Project plan and layout approvals
- KYC and business registration documents
- Land ownership/title deed
- Bank statements and ITR of developer/promoters
- Cash flow projections and sales strategy
Benefits
- Supports end-to-end layout development
- Improves project execution speed and delivery timelines
- Enhances investor and buyer confidence
- Custom funding structure as per project cycle
Top Lenders Offering Layout Financing
SIDBI, HDFC, ICICI Bank, SBI, and real estate-focused NBFCs offer layout financing to reputed developers with approved projects.
Important Notes
- Ensure RERA and local municipal approvals are in place
- Loan disbursal is often milestone-based
- Maintain transparent cash flows and documentation