# How to Get Green Loans in India Using Carbon Data

Canonical: https://senseible.earth/climate-intelligence/how-to-get-green-loans-india-carbon-data

Published 2025-01-15.

Banks in India are increasingly offering green loans with lower interest rates for businesses that can demonstrate sustainability. The key? Verified carbon data.

**What Banks Want to See:**

- Scope 1, 2, and 3 emissions baseline
- Evidence of reduction efforts
- Third-party verification or credible MRV
- Sustainability improvement trajectory

**Interest Rate Benefits:**

Some banks offer interest concessions on green loans for qualifying borrowers or projects. The size of the concession varies by lender and product, but on a working capital loan even a small reduction in rate adds up each year.

**RBI Guidelines Driving Change:**

The Reserve Bank of India's work on climate-related financial risk is pushing banks to understand the climate exposure of their loan books, which makes borrower emission data more useful. Sustainability-linked lending is expected to keep growing.

**How to Qualify:**

1. [Upload your invoices](https://senseible.earth/), electricity bills, and transport documents
2. Get your carbon baseline calculated automatically
3. Download your verification report
4. Present to your bank with your loan application

Senseible reports use published emission factors and trace each number to its source document, which makes them easier for a lender to review. Start building your green loan eligibility today. Explore [climate finance options](https://senseible.earth/climate-finance).

## Related guides

- [Can we reroute supply chains to reduce CBAM exposure legally?](https://senseible.earth/climate-intelligence/reroute-supply-chains-reduce-cbam-exposure)
- [CBAM for Indian Exporters: What Changed on 1 January 2026](https://senseible.earth/climate-intelligence/cbam-compliance-indian-exporters)
- [BRSR Reporting Requirements in India: Who Reports, BRSR Core and Value-Chain Rules](https://senseible.earth/climate-intelligence/brsr-reporting-requirements-india)