Can I Get a 50 Crore Loan in India? What You Need to Know

A 50 crore loan isn’t just another business loan—it’s a big, bold number that turns heads, even in the Indian financial world. You might ask, does any bank or lender in India actually hand out this kind of money to a business? Short answer: Yes, but only if you tick all the right boxes.

Only certain types of businesses even stand a chance. We’re talking established companies with rock-solid revenues, healthy profits, a decent credit history, and something valuable to offer as collateral. The paperwork isn’t a quick form you fill out over chai—it’s a serious stack that takes weeks (sometimes months) to compile. Lenders want to see detailed business plans, financial statements, valuations, and proof that you can actually pay it all back.

These loans often come from big private banks, public sector giants like SBI, or even specialized NBFCs. Multinational banks sometimes step in, especially for export-focused businesses. But, don’t show up empty-handed—banks in India are far more cautious ever since past scandals and defaults. They’ll dig deep into your books, grill your top team, and double-check everything before giving the green light on a 50 crore cheque.

• Who Can Qualify for a 50 Crore Loan?
• Which Lenders Actually Offer This Much?
• What Documents and Collateral Do You Need?
• Tips to Boost Approval Chances for Big Loans

Who Can Qualify for a 50 Crore Loan?

This isn’t the kind of loan you’ll get with a few years of business and a vague product idea. To even stand a chance at a 50 crore loan in India, you’ve got to seriously impress banks and NBFCs with your track record, cash flow, and business setup.

Typically, lenders want to see:

• Business Vintage: At least 5-10 years in operation, preferably more. They want proof you can ride out waves, not just a one-year wonder.
• Strong Revenue: Think annual turnover of Rs. 200-500 crore (at minimum). The bigger your income, the more confident the bank feels.
• Consistent Profits: If you’re barely breaking even, no lender will risk it. They want healthy, steady profit figures—ideally for the last 3-5 years.
• Excellent Credit Profile: Company CIBIL above 750 is almost non-negotiable. Even the directors’ personal credit histories get checked.
• Solid Collateral: High-value property, plant, equipment, or liquid securities. Most banks need you to secure at least 60-70% of the loan amount.
• Clear Purpose: Banks want to know exactly where that 50 crore will go and how it will fuel business growth—no grey areas or risky bets.

Here’s a quick look at who usually gets approved for such loans in India:

A quick side note: If you’re a startup dreaming of a 50 crore business loan, it’s nearly impossible unless you’re already unicorn-level or have massive backing from known investors.

If you check these boxes and run a strong business, banks actually want to lend! Just know they’ll do their homework and expect full transparency every step of the way.

Which Lenders Actually Offer This Much?

You won’t find every lender in India rolling out red carpets for a 50 crore loan. This kind of big ticket is handled by only a handful of financial giants who know how to manage that level of risk. The major players in this space are big commercial banks, a few government banks, and large NBFCs (Non-Banking Financial Companies). Forget approaching a local co-op bank or a microfinance company—they just don’t have the firepower.

Let’s get specific. Here are some names you’ll keep hearing when you talk about business loans of this size:

• State Bank of India (SBI): Easily the country’s biggest lender. SBI regularly funds infrastructure, manufacturing, and service sector projects in the 50+ crore bracket.
• HDFC Bank: Known for working with mid to large corporates. Their large corporate loans cover working capital, project finance, and even term loans for mergers or expansions.
• ICICI Bank: Big on structured loans for established domestic and export-oriented companies. They offer flexible repayments but dig deep into your financials.
• Axis Bank: Another regular for big business finance, especially for established names in construction, pharma, and textiles.
• L&T Finance and Bajaj Finserv: Top-tier NBFCs open to large loans for existing, cash-rich businesses. Their process can sometimes be a bit quicker but expect stricter checks.
• International banks (like Standard Chartered or HSBC): Usually only if your company has some global play—think exports, joint ventures, or international supply chains.

If you’re wondering whether these lenders are just talk, check out this table. It summarizes the typical loan exposure limits and sectors where 50 crore-plus loans are common.

One thing’s clear—you need a strong business case, and it helps if you’re in a sector that Indian banks already trust with huge loans. If you’re a relatively new business, you’ll have a much harder time. Lenders are cautious with large sums, especially after high-profile corporate defaults in the last decade.

Here’s a tip: If your company has foreign tie-ups or trade, talking to a multinational bank like HSBC can help, since they’re more familiar with cross-border risk. But for most Indian businesses, sticking with SBI, ICICI, or Axis is your best bet. Just make sure your numbers add up; lenders will check and double-check before making any move.

What Documents and Collateral Do You Need?

If you’re seriously hunting for a 50 crore loan, get ready to put your paperwork game on steroids. Lenders aren’t going to let that kind of money out the door based on just promises and a handshake. They want clear proof that your business is rock solid, and that starts with a thick file of documents.

Here’s what most banks want to see up front:

• Last 3 years’ audited financial statements (balance sheet, profit and loss, cash flow)—banks need to see you’re actually making money and are financially stable.
• Income tax returns of the company and sometimes the directors for the last 2–3 years.
• Business plan and cash flow projections—they want to know where the money’s going and how you expect to repay.
• Company KYC documents (PAN, GST registration, incorporation certificate, MOA/AOA, etc.)
• List of directors, shareholders, and their KYC
• Details of borrowings already taken (if any) and the existing repayment schedules.
• Board resolution authorizing the loan

Documentation is just half the story though. For a loan this size, collateral is non-negotiable. Don’t expect a bank to give 50 crores unsecured. You’ll need to pledge some serious assets. Banks usually look for:

• Immovable property like land, commercial buildings, or factories (and yes, they’ll want a fresh valuation from a bank-approved valuer)
• Machinery and industrial assets
• Inventory or receivables if you have large volumes that can be hypothecated
• Personal or corporate guarantees from directors or even group companies

If your company is asset-light (say, in tech or consulting), expect the process to get even tougher. Lenders might insist on more guarantees, higher interest, or sometimes turn you away altogether unless your revenue streams are both huge and predictable.

One tip: organizing every document up front, and having updated valuations handy, makes banks see you mean business. It cuts delays and puts you on the front foot in every meeting. Be prepared for multiple rounds of questions—Indian banks don’t take risks lightly, especially at this level.

Tips to Boost Approval Chances for Big Loans

If you’re hoping to snag a 50 crore loan in India, you’ll have to impress lenders at every step. Getting this kind of funding isn’t just about filling out a form and waiting for a call back. Lenders look for proof, numbers, and a whole lot of reassurance that their money’s in good hands.

Here are some tips to actually improve your odds:

• Show a proven track record: Banks want to see at least 3-5 years of strong revenue and profit numbers, preferably with audited financials. Anything iffy—like irregular cash flow or public tax notices—will set off alarms.
• Prep a solid business plan: Don’t just wave around big dreams. Bring detailed project projections, cash flow statements, clear revenue models, and realistic repayment plans. The more real it looks, the more seriously banks will take you.
• Leverage existing assets: Secure loans usually land faster. Do you have property, fixed deposits, or inventory that can act as collateral? Lenders are more comfortable when there’s something to back the loan.
• Polish your credit: A credit score above 750 (for individuals, if you’re applying as a proprietor) or an equivalent strong rating for your company is a non-negotiable. That alone can put you in the fast lane for big approvals.
• Build strong banking relationships: If you’ve been with one bank for years or maintained healthy business transactions, use that loyalty. Banks do prefer clients they already know.
• Keep documents ready: Accounts, tax returns, board resolutions, and legal clearances—get them all in order before you even start the process. Delays in paperwork mean delays in loan approval.
• Address sector risks: If your industry is considered risky, explain clearly how you’ll handle those risks—banks love a heads-up. For example, after COVID, companies from travel and hospitality need to spell out their fallback plans.

To give a better sense of what most lenders expect for big business loans, check out this simple data table:

A lot of businesses forget the little things. Always be upfront about your debts, take professional help to iron out your paperwork, and—if you get stuck—reach out to consultants who have experience with large-ticket finance. In tricky cases, joint loans or consortium deals (where more than one bank joins hands) can be a good workaround when one bank alone can’t fund the full amount.