Bandhan Bank business loans
Bandhan Bank is on Recur Club's lender panel, writing loan against securities, overdraft / cash credit, purchase invoice discounting and 3 other products.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrowerage ≥1y (bank guaranteeletter of creditoverdraft / cash creditpurchase invoice discountingsales invoice discountingsecured term loanworking capital demand loan)
- age ≥3y (dropline overdraft, loan against property, loan against securities, machinery loan, vehicle financing, vendor financing)
- age ≥2y (export financing, import factoring)
- CIBIL ≥650
- avoidReal Estate (asset Light)Real Estate (non asset Light)BankingInsuranceGems and JewelleryE-CommerceFinancial ServicesGambling and BettingLottery Business
- 34 approved states (list → data JSON) (varies by product)
18 more ▾ ▴
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (47 sectors — full list in data JSON) (varies by product)
- Financials: rev ≥₹50cr
- TOL/adjusted tangible net worth ≤4 (varies by product)
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1 (export financing, import factoring, secured term loan only)
- runway ≥12mo (export financing, import factoring only)
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹5–1000cr (range across products — see matrix)
- tenure 12–84mo
- no PEP
- Security (observed): share pledge ≤51% (100%)
- median ticket ₹27.5cr
- median rate 9.8%
- median turnaround —
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1), 1st charge on immovable assets (×1)
- Security asked in 2026: share pledge ≤51% (×1)
What Bandhan 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 |
|---|
Also offered, with no terms observed yet: Loan Against Securities, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What a sanction from Bandhan Bank actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
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 3 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- Immovable Property - Land1 letters
- Movable Fixed Assets1 letters
- Current Assets (Hypothecation)1 letters
- Land1 letters
- Immovable Property1 letters
- Immovable Property - Open Land1 letters
- Immovable Property - Land ×1, Movable Fixed Assets ×1, Current Assets (Hypothecation) ×1, Land ×1, Immovable Property ×1, Immovable Property - Open Land ×1
What borrowers ask about Bandhan Bank
- What does Bandhan Bank lend?
- Bandhan Bank writes loan against securities, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, working capital demand loan.
- What are Bandhan 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.
- What security does Bandhan Bank ask for?
- Observed across sanctions: share pledge ≤51% (100%).
- How do I apply to Bandhan Bank?
- You do not apply to Bandhan Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Bandhan Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Bandhan Bank the right lender for my business?
- It depends on which product you need, your sector and how your last two years of financials read. The credit box on this page is what Bandhan Bank screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.
Next steps after Bandhan Bank
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Bandhan Bank is the right lender for you
A few questions. Recur Market scores you against Bandhan Bank and the rest of the panel, on each lender's own recorded criteria.
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 Bandhan Bank's current policy. Terms are set by the lender at the time of sanction.