# Industrial property loan — factory, shed or plot as security > JR Loan Advisors helps raise ₹5 crore+ against a completed factory, shed or approved industrial plot in Chennai and Tamil Nadu. This is Loan Against Property scope — often at a lower share of value than a home. Banks size the lower of industrial LTV and repayment capacity. The bank decides. Source: https://jrloanadvisors.com/services/industrial-property-loan/ · Author: CA Jitendraa Rathi (CA membership number 217936), JR Loan Advisors · Updated 28 Oct 2026 **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. JR Loan Advisors helps Tamil Nadu businesses raise **₹5 crore to ₹250 crore** against industrial property. This page is **Loan Against Property scope** — factory, shed or plot as security — not a new product. ## What is an industrial property loan on a factory, shed or plot in Tamil Nadu? - **Factory land and buildings** in SIPCOT, SIDCO or private industrial estates with clear title and zoning. - **Industrial sheds** used for making, assembling or storing goods, with approved plans. - **Approved industrial plots** (non-agricultural) — some lenders accept these at a lower share of value. Typically **not** accepted: farm land, unapproved layouts, disputed title, and major unapproved construction. Tamil Nadu checks (patta, EC, plan approval) are in our [property documents guide](/insights/tamil-nadu-property-documents-cmda-dtcp-patta-ec/). ## How do banks size an industrial property loan? 1. **Property limit** — the valuer sets a market value; the bank applies its industrial loan-to-value (often lower than for a home). Published home-LAP LTV examples (about **60–65%** on SBI’s personal LAP page, [checked on 27 Oct 2026](https://sbi.bank.in/web/personal-banking/loans/loans-against-property/loan-against-mortgage-of-immovable-property)) are usually higher than industrial shares. 2. **Income limit** — what the business can repay from cash flow after other debts. 3. The bank lends the **lower** of the two. Ranges are examples only. Tamil Nadu title and registration checks: [tnreginet.gov.in](https://tnreginet.gov.in/) (checked on 28 Oct 2026). Read: [how banks value property for LAP](/insights/how-banks-value-property-for-lap/) and the main [Loan Against Property](/services/loan-against-property/) page. ## How do I estimate EMI on an industrial property loan? Use the free [EMI calculator](/tools/emi-calculator/) with the amount you expect after industrial loan-to-value (often lower than home LAP). Example only: on ₹5 crore for 10 years at an illustrative 10% a year reducing balance, EMI is about ₹66,000 per crore before fees — check with the calculator. Real offers use the bank’s rate and tenure. SBI’s published personal-LAP LTV band (about **50–65%** of home value, [checked on 27 Oct 2026](https://sbi.bank.in/web/personal-banking/loans/loans-against-property/loan-against-mortgage-of-immovable-property)) is usually higher than industrial shares. The bank decides. **Construction:** We help when security is completed or income-earning (ready purchase, LAP, or rent-backed lending). Pure staged construction finance is the bank’s product — not a separate line we sell. ## What documents are needed for an industrial property loan? 1. You and the firm: KYC, ITR, GST, bank statements, existing loan list. 2. Property: sale deed + parent deeds, EC, patta/chitta, approved plan, completion where needed, tax and EB bills, allotment/lease if SIPCOT/SIDCO. 3. Amount check: lower of industrial LTV and repayment capacity. Full LAP checklist: [Loan Against Property in Chennai](/loan-against-property-chennai/). ## Which Tamil Nadu belts matter for industrial LAP? Hosur and Coimbatore are common ask cities for factory and shed security. Start with [LAP Hosur](/loan-against-property-hosur/) or [LAP Coimbatore](/loan-against-property-coimbatore/). Warehouse rent cases: [warehouse rental loan](/services/warehouse-rental-loan/). **Next step.** Send a short note on [Contact](/contact/#enquiry) or WhatsApp [+91 94450 93336](https://wa.me/919445093336) with location, approx. value, and whether the unit is self-used or leased. We say in writing what we can do before any fee. The bank decides whether to lend. **Sources:** lender policy differs by bank; Tamil Nadu registration and plan rules — [tnreginet.gov.in](https://tnreginet.gov.in/) (checked on 28 Oct 2026); SBI LAP LTV example link above (checked on 27 Oct 2026). **Outside Tamil Nadu:** Deep local pages are for Tamil Nadu. We can still review a ₹5 crore+ file by papers and call — no metro city farms. Ask on [Contact](/contact/#enquiry). ## Frequently asked questions ### What is an industrial property loan? In our practice it is a Loan Against Property secured by a factory building, industrial shed or approved industrial plot. It is not a separate product line. End-use can be business growth, refinance or other bank-allowed uses. The bank decides the amount and terms. ### Which industrial assets can be security? Clear-title factory land and buildings in SIPCOT, SIDCO or private industrial areas; industrial sheds with approved plans; and some approved non-agricultural industrial plots at a lower share of value. Farm land and unapproved layouts are usually refused. ### How much will a bank lend on a factory or shed? Often less than for a house or shop — many lenders use a lower loan-to-value on industrial assets. The bank also caps the loan by what your business cash flow can repay. The lower of the two wins. Example only; each bank decides. ### Is this the same as a warehouse rental loan? If a strong company tenant pays registered rent into escrow, a warehouse may fit Lease Rental Discounting instead. Self-used factories and weak or short leases usually fit LAP. See [warehouse rental loan](/services/warehouse-rental-loan/) and [LRD](/services/lease-rental-discounting/). ### Which Tamil Nadu belts matter for industrial LAP? Hosur, Coimbatore, Sriperumbudur, Oragadam, Irungattukottai and similar SIPCOT/SIDCO belts. See [LAP in Hosur](/loan-against-property-hosur/) and [LAP in Coimbatore](/loan-against-property-coimbatore/). ### What documents are needed? KYC; ITR, GST and bank statements; sale deed and parent deeds; encumbrance certificate; patta/chitta; approved plan and completion where required; property tax and electricity bills; and any industrial lease or allotment papers. The bank’s lawyer and valuer check these. ### Do you charge a fee? You may pay us a fee. We tell you the amount in writing before we start. Sometimes the bank also pays us. If it does, we tell you. ## Discuss a ₹5 Cr+ loan Send your papers for a free first look (₹5 crore to ₹250 crore). This is not a loan approval. **[Discuss a ₹5 Cr+ loan](https://jrloanadvisors.com/contact/#enquiry)** · WhatsApp +91 94450 93336 (https://wa.me/919445093336) · Call +91 94450 93336 · [Enquiry form](https://jrloanadvisors.com/contact/#enquiry). Loans of ₹5 crore and above. You may pay us a fee. We tell you the amount in writing before we start. --- JR Loan Advisors — loan help for borrowers, Chennai & Tamil Nadu. Phone/WhatsApp +91 94450 93336 · jitendraa@jrloanadvisors.com · https://jrloanadvisors.com/