Citibank N business loans
- ✓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.
- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
8 more ▾ ▴
- ticket ₹5–200cr
- tenure 12–180mo (range across products — see matrix)
- Security: 1st/pari-passu charge on current assets
- 1st charge on immovable assets
- share pledge ≤51%
- FD margin 20–30%
- Residential Property - Exclusive First Charge
- Land - Exclusive First Charge
What a sanction from Citibank N 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 5 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.
- Current Assets (Stock and Book Debts)3 letters
- Land and Building3 letters
- Moveable Fixed Assets2 letters
- Fixed Deposits1 letters
- Land1 letters
- Residential Vacant Plot1 letters
- Current Assets (Stock and Book Debts) ×3, Land and Building ×3, Moveable Fixed Assets ×2, Fixed Deposits ×1, Land ×1, Residential Vacant Plot ×1
What borrowers ask about Citibank N
- What are Citibank N'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.
- How do I apply to Citibank N?
- You do not apply to Citibank N directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Citibank N's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Citibank N 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 Citibank N 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 Citibank N
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
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 Citibank N is the right lender for you
A few questions. Recur Market scores you against Citibank N 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 Citibank N's current policy. Terms are set by the lender at the time of sanction.