Real estate finance in India is a stage problem, not a product problem. Banks cannot fund land acquisition or TDR or development premium — those stages live with NBFC-HFCs and Cat-II AIFs. Construction finance hands off to banks once approvals are in place. Inventory or last-mile sits with AIFs and SWAMIH. Refinancing back to bank debt at stabilisation is the discipline that compresses cost of capital. These articles cover the structures developers actually use: LRD on commercial assets, LAP for working capital, joint development financing, RERA-compliant escrows, and how Mumbai/Pune developers think about the cost-of-capital staircase from land to OC.
Loan Against Property is the most underrated business expansion tool for Indian SMEs. Here is a complete guide to LAP — how it works, indicative terms, eligibility, and how it compares to other options.
NHAI HAM and BOT projects have very different capital stacks, risk profiles and lender expectations. Here is what infrastructure developers need to know to finance each in 2026.
If you own a leased commercial property with steady rental cash flows, Lease Rental Discounting lets you capitalise those rentals into a long-tenor loan without selling the asset. Here is how LRD actually works in India.