# 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.

Source: https://www.recurclub.com/lenders/bandhan-bank
Last updated: 2026-09-29

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.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥1y (bank guarantee, letter of credit, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan, working 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 · avoid: Real Estate (asset Light), Real Estate (non asset Light), Banking, Insurance, Gems and Jewellery, E-Commerce, Financial Services, Gambling and Betting, Lottery Business · 34 approved states (list → data JSON) (varies by product) · 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)

## Sanctioned terms (from 3 real sanction letters)

### Sanctioned amount: median ₹50 cr (₹15L–₹95 cr) · NEW ×2

- median ₹50 cr (₹15L–₹95 cr) · NEW ×2

### Typical security: Immovable Property - Land ×1, Movable Fixed Assets ×1, Current Assets (Hypothecation) ×1, Land ×1, Immovable Property ×1, Immovable Property - Open Land ×1

- Immovable Property - Land ×1, Movable Fixed Assets ×1, Current Assets (Hypothecation) ×1, Land ×1, Immovable Property ×1, Immovable Property - Open Land ×1

### Typical covenants: - No further charge / pledge of assets elsewhere — 100% of letters (e.g. "During the currency of the Bank's credit facility(s), the borrower will not, without the Bank's prior permission in writing, create any further charge over thei…")

- No further charge / pledge of assets elsewhere — 100% of letters (e.g. "During the currency of the Bank's credit facility(s), the borrower will not, without the Bank's prior permission in writing, create any further charge over thei…")

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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.