Loans

TFCl's principal business is providing Rupee Finance by means of loans and debt investments. The various financial products available are as under:

TOURISM/HOSPITALITY SECTOR

(a) Term Loan for setting up Hotel, Resort, Motel, SPA/Health Resort, Serviced Apartment, Guest House and other approved Lodgings.
(b) Term Loan for setting up Restaurant, Food Court, Banquet & Conference Facility.
(c) Term loan for setting up Destination Recreational/Entertainment Centres, Amusement Parks, Adventure Sports & Cultural Centres.
(d) Term loan for travel & tour operations, air-taxi fleet, ropeway, etc.
(e) Term Loan for expansion, modernization, renovation of all the projects mentioned at (a)-(d) above.
(f) Term Loan for acquisition of all the projects mentioned at (a)-(d) above.
(g) Term Laon for takeover of existing loans in tourism/hospitality sector.
(h) Special Situation Financing for existing companies engaged in (a)-(d) above having viable business but presently facing temporary financial constraints by providing term loan structured in line with project cashflows.

SOCIAL & URBAN INFRASTRUCTURE SECTOR

(a) Term Loan for setting up, expansion, upgradation or renovation of Government Approved Educational Institutions viz. secondary/senior secondary schools, degree colleges, universities, etc.
(b) Term Loan for setting up, expansion, upgradation or renovation of Hospitals, Nursing Homes & Diagnostic Centres.
(c) Construction Finance for residential real estate focusedonMiddle-Income segment.

MANUFACTURING SECTOR

(a) Term Loan for expansion, upgradation and/or renovation of existing established manufacturing units, preferably in MSME sector.
(b) Working Capital Term Loan for existing established manufacturing units, preferably in MSME sector.

REAL ESTATE SECTOR

(a) Construction finance for Builder Floor (Delhi & Gurgaon).
(b) Construction finance for Commercial Office Space and Warehouse.
(c) Lease Rental Discounting, LAP backed by cash flows.

NBFC, HFC & MFI SECTOR

(a) Medium Term Loan to profit-making NBFCsengaged in corporate finance, retails finance, micro finance for onward lending.
(b) Medium Term Loan to profit-making HFCs in home finance & LAP for onward lending.
(c) Medium Term Loan to profit-making ARCs with established track record.

PREREQUISTE/KEY CRITERIA FOR AVAILING FINANCIAL ASSISTANCE

(a) Term Loan is available to only Public/Private Companies and LLP.
(b) The borrower Company/LLP should have clear title to the project land.
(c) The statutory permissions for the project (viz. non-agricultural land-use, building plan approval and environment clearance) should have been obtained.
(d) The D:E for the borrower should not, generally exceed 1.5: 1.