Lender profile
Axis Bank business loans
Axis Bank is on Recur Club's lender panel, writing dropline overdraft, loan against securities, overdraft / cash credit and 4 other products. Observed tickets run ₹25 cr to ₹25 cr, priced between 10% and 10%. Median turnaround from application to disbursal is about 83 days.
- ✓Tickets from ₹25 Cr – ₹25 Cr across 15 products
- ✓Indicative pricing 10% – 10%, as quoted on live transactions
- ✓Around 83 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
15
Products live
₹7 Cr
Median sanction
83
Days median turnaround
200
Sanction letters read
— Which arm you land with
3 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Axis Bank Limited
Rejects
- SME team will not fund loss-making companies
- Only looking for profitable companies
- Cannot fund loss-making companies
- Won't do FIG and PSU sectors
13 more ▾ ▴
- dropped by axis
- At this scale, not okay with the security offered
- This team doesn't do CGTMSE
- Axis is an investor in NAB so can't pursue
- Not looking for loans under CGSS as of now
- SME team will not fund loss-making companies (×1
- latest )
- Only looking for profitable companies (×1
- latest )
- Cannot fund loss-making companies (×1
- latest )
- Won't do FIG and PSU sectors (×1
- latest )
Wins
- Can lend to companies whether bootstrapped or fund-raised
- PMF (product-market fit) is important to them
- Prefers scalable business models
- Can do EBITDA-negative companies
12 more ▾ ▴
- Sector agnostic; can consider bootstrapped companies case-to-case
- …more in playbook
- Can lend to companies whether bootstrapped or fund-raised
- PMF (product-market fit) is important to them
- Prefers scalable business models
- Can do EBITDA-negative companies
- Sector agnostic; can consider bootstrapped companies case-to-case
- Looks for growth trajectory and improvement in bottomline/EBITDA
- Collateral not mandatory, except trading where minimum collateral of 30-100% is needed
- Avoid gems & jewellery, EPC (especially Karnataka/Andhra), and plastics/crude-oil derivatives currently
- Prefers residential property as best security, can also take land/other property or FD if no other collateral, with FD most preferred fallback
- Cautious on textile sector currently
Behaviour & gates
- Borrower: CIBIL ≥650
- age ≥2y
- Karnataka (varies by product)
- avoidFinancial ServicesReal Estate (asset Light)Real Estate (non asset Light)Gems and JewelleryInsuranceBankingE-Commerce (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (47 sectors — full list in data JSON) (varies by product)
20 more ▾ ▴
- Financialsrev ≥₹30cr (bank guaranteedomestic factoringdropline overdraftexport financingimport factoringletter of creditloan against propertyloan against securitiesmachinery loanoverdraft / cash creditpurchase invoice discountingsales invoice discounting
- rev ≥₹150cr (credit card, EQUITY, finance lease, operating lease)
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹0–500cr (range across products — see matrix)
- tenure 12–180mo (range across products — see matrix)
- no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (85%)
- FD margin 20–30% (85%)
- median ticket ₹11cr
- median rate 11%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×2), Personal Guarantee Of Promoters/Directors (×1), FD margin 20–30% (×1)
- Security asked in : 1st/pari-passu charge on current assets (×12), Personal Guarantee Of Promoters/Directors (×7), FD margin 20–30% (×6), FD margin 15–20% (×3)
- Security asked in 2026: 1st/pari-passu charge on current assets (×13), Personal Guarantee Of Promoters / Directors / Property Owner (×11), FD margin 20–30% (×11), 1st charge on P&M (×6)
- share → in-principle approval (initial interest): ≈73d
Axis Finance Limited
Behaviour & gates
- Borrower: CIBIL ≥650
- avoid: Financial Services (varies by product)
- pan-India
- Private Limited, Public, Limited Liability Partner (varies by product)
- positive sector: Education and Training, Tourism and Hospitality, Healthcare (varies by product)
- Financials: TOL/adjusted tangible net worth ≤5
18 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 9–15% (range across products — see matrix)
- ticket ₹10–1000cr (range across products — see matrix)
- tenure 12–108mo (range across products — see matrix)
- Security (observed): 1st/pari-passu charge on current assets (100%)
- Immovable Fixed Assets - Pari Passu First Charge (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- 1st charge on immovable assets (50%)
- Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (50%)
- FD margin 10–15% (50%)
- median ticket ₹50cr
- median rate 13%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×4), Fixed Deposit <5% (×3), FD margin 5–10% (×3), FD margin 10–15% (×3)
- Security asked in : Personal Guarantee Of Promoters/Directors (×6), 1st charge on immovable assets (×4), Escrow Of Cashflows (×3), 1st/pari-passu charge on current assets (×2)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), Immovable Fixed Assets - Pari Passu First Charge (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st charge on immovable assets (×1)
Axis Ltd
Wins
- Credit committee reschedules around local holidays (moved to Tuesday for Muharram)
- Bank shared empaneled advocate
- Credit committee decision targeted for Fri/Sat with sanction expected the same day
Behaviour & gates
- Borrower: CIBIL ≥650
- age ≥2y
- avoidReal Estate (asset Light)Real Estate (non asset Light)Gems and JewelleryFinancial ServicesInsuranceBankingE-Commerce (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner (varies by product)
- sector-agnostic (47 sectors — full list in data JSON) (varies by product)
- Financialsrev ≥₹30cr (bank guaranteedomestic factoringdropline overdraftexport financingimport factoringletter of creditloan against propertyloan against securitiesmachinery loanoverdraft / cash creditpurchase invoice discountingsales invoice discounting
21 more ▾ ▴
- rev ≥₹150cr (credit card, EQUITY, finance lease, operating lease)
- TOL/adjusted tangible net worth ≤4 (varies by product)
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1 (varies by product)
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹5–500cr (range across products — see matrix)
- tenure 12–180mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (75%)
- Escrow Of Cashflows (50%)
- FD margin 15–20% (50%)
- 1st charge on P&M (50%)
- median ticket ₹30cr
- median rate 9%
- median turnaround 83d
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×2), FD margin 15–20% (×2)
- share → in-principle approval (initial interest): ≈48d
- in-principle approval → sanction (underwriting): ≈24d
- sanction → disburse (closing): ≈11d
— Products & indicative terms
What Axis Bank lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure | Arm |
|---|---|---|---|---|
Working Capital Demand Loan▾Turnaround ~83d Rejects
Wins
11 more ▾ ▴
Behaviour & gates
8 more ▾ ▴
| ₹25 cr | 10% | 12 mo | Axis Ltd |
Also offered, with no terms observed yet: Dropline Overdraft, Loan Against Securities, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan.
— Typical term sheet
What a sanction from Axis Bank actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Axis Bank Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 96 sanction letters carrying the clause.
Other standing covenants56%
Axis Finance Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 2 sanction letters carrying the clause.
No further borrowing without lender consent50%
Axis Ltd
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 102 sanction letters carrying the clause.
Other standing covenants56%
— Security & covenants
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
Axis Bank Limited
- Current Assets19 letters
- Movable Fixed Assets8 letters
- Fixed Deposit Receipt6 letters
- Fixed Deposit Receipt (FDR)6 letters
- Current Assets (Hypothecation)5 letters
- Immovable Property4 letters
- Current Assets ×19, Movable Fixed Assets ×8, Fixed Deposit Receipt ×6, Fixed Deposit Receipt (FDR) ×6, Current Assets (Hypothecation) ×5, Immovable Property ×4
Axis Ltd
- Current Assets19 letters
- Movable Fixed Assets8 letters
- Fixed Deposit Receipt6 letters
- Fixed Deposit Receipt (FDR)6 letters
- Current Assets (Hypothecation)5 letters
- Immovable Property4 letters
- Current Assets ×19, Movable Fixed Assets ×8, Fixed Deposit Receipt ×6, Fixed Deposit Receipt (FDR) ×6, Current Assets (Hypothecation) ×5, Immovable Property ×4
— Common questions
What borrowers ask about Axis Bank
- What does Axis Bank lend?
- Axis Bank writes dropline overdraft, loan against securities, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 1 further products. Across those, observed facilities run ₹25 cr to ₹25 cr.
- What ticket size does Axis Bank offer?
- Facilities observed on live transactions run from ₹25 cr to ₹25 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Axis Bank charge?
- Rates observed on live transactions fall between 10% and 10% a year. Tenures run 12 to 12 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Axis Bank take to disburse?
- About 83 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Axis Bank's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
Next steps after Axis Bank
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Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Axis Bank's current policy. Terms are set by the lender at the time of sanction.