Project Finance Loans & Consumer Durable Loans

Project Finance Loans

• Product Name: Project Finance Loan
• Loan Tenure: Up to 3 years
• Interest Rate (ROI): From 13% to 15% per annum (subject to credit assessment)

Eligible Segments:

Mid-sized enterprises seeking capex for brownfield or greenfield expansion

Vendor-backed infrastructure and real estate contracts

MSMEs with government or private sector project tie-ups

• Security: Collateral-backed structure with flexibility on cash flow-based repayment

Why We Offer It:

Project-based financing helps businesses grow without diluting equity. We intend to bridge the funding gap for businesses with predictable cash flows but limited upfront liquidity.

Consumer Durable Loans

As part of our long-term strategy, Devvrat Capital aims to enter the Consumer Durable Financing segment—serving India’s emerging demand for household upgrades and lifestyle improvements through structured, small-ticket credit.

• Product Name: Consumer Durable Finance
• Loan Tenure: 6 to 10 months
• Interest Rate (ROI): Up to 15% p.a.
• Loan Ticket Size: ₹10,000 – ₹2,00,000

Sourcing Channels:

Online: Through partnerships with e-commerce platforms (Amazon, Flipkart,OEM etc.)

Offline: Through tie-ups with leading retailers like Croma, Reliance Digital, and Vijay Sales

Target Segments:

Salaried individuals and first-time borrowers

Students or newly married couples purchasing essentials

Middle-income families upgrading appliances

Why We Plan to Offer It:

With India's digital economy on the rise and consumer aspirations expanding, short-tenure EMI-based loans for durable goods will become an essential credit product. This segment promises high transaction volume, recurring engagement, and cross-sell opportunities in the long term.