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Kindly submit your loan proposals on loan@sdclindia.com Making port-led development possible — term credit for ports and logistics. SMFCL credit ratings: CARE AA+ Stable · India Ratings AA+ Stable. Shri Sarbananda Sonowal inaugurates India’s first maritime NBFC — SMFCL.
SMFCL Sagarmala Finance Corporation Limited
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Govt. of India Mini Ratna-I CPSE · Ministry of Ports, Shipping & Waterways

Making port-led development possible

SMFCL finances port and hinterland infrastructure that the maritime economy needs to grow.
CARE AA+ Stable · India Ratings AA+ Stable.

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Indicative rates · Today

Port terminal 9.50% p.a. Working capital 10.25% p.a. Coastal 9.15% p.a.

All rates and charges

9.15% p.a.

Starting rate

3

Facilities

4

Branches

30

Day nodal response

Facilities

Choose a facility

Company, LLP, partnership and SPV borrowers for port-led projects. Indicative rates; the sanction letter is binding.

Port terminal

9.50% p.a.

Port Terminal Term Loan

Berths, yards and cargo-handling infrastructure.

Amount
₹1 cr – ₹500 cr
Tenure
12–120 months
Interest
Floating · RBI repo + 2%
Borrowers
  • Company
  • LLP
  • Partnership
  • SPV
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Working capital

10.25% p.a.

Logistics Working Capital

Cash-credit limits for terminals, warehouses and 3PL operators.

Amount
₹50 lakh – ₹20 cr
Tenure
12–120 months
Interest
Fixed
Borrowers
  • Company
  • LLP
  • Partnership
  • SPV
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Coastal

9.15% p.a.

Coastal Infrastructure Term Loan

Coastal vessels, harbour craft and hinterland connectivity.

Amount
₹2.5 cr – ₹300 cr
Tenure
12–120 months
Interest
Floating
Borrowers
  • Company
  • LLP
  • Partnership
  • SPV
Know more

How we lend

From enquiry to first drawdown

Register online or walk into a port branch. The same file through KYC, appraisal, committee and first drawdown.

  1. Enquire Portal or walk-in. The supervisor qualifies; the relationship officer converts.
  2. KYC CKYC pack — COI, PAN and GST — before the file leaves the desk.
  3. Appraisal DSCR and IRR under Base, Optimistic, Conservative and Stress.
  4. Sanction & draw Committee, legal and security, then first drawdown.

Network

Where we originate

Head office in New Delhi and branches at Mumbai, Chennai and Kochi ports.

Open in Google Maps

All branches

Mandate

India’s first maritime NBFC

Port and logistics projects need long-tenor, structured credit that a conventional book often cannot match.

01

Long tenor

Term facilities sized to infrastructure cash flows — not short working-capital cycles.

02

Sector appraisal

DPR and site, then DSCR and IRR under Base, Optimistic, Conservative and Stress.

03

Staged drawdown

Disbursement against milestones, security and conditions precedent on the sanction letter.

04

Who can borrow

Company, LLP, partnership and SPV borrowers — portal or a port branch.

Notices

From the relationship desk.

Submit a proposal

Register as a customer to open a file, or login if you already have credentials.

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