# Citibank N business loans

Source: https://www.recurclub.com/lenders/citibank-n
Last updated: 2026-10-20

## Eligibility

### Screening gates and observed behaviour

- 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) · 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

## Sanctioned terms (from 5 real sanction letters)

### Sanctioned amount: median ₹20 cr (₹3 cr–₹27.5 cr) · NEW ×3

- median ₹20 cr (₹3 cr–₹27.5 cr) · NEW ×3

### Typical security: Current Assets (Stock and Book Debts) ×3, Land and Building ×3, Moveable Fixed Assets ×2, Fixed Deposits ×1, Land ×1, Residential Vacant Plot ×1

- Current Assets (Stock and Book Debts) ×3, Land and Building ×3, Moveable Fixed Assets ×2, Fixed Deposits ×1, Land ×1, Residential Vacant Plot ×1

### Typical covenants: - Other standing covenants — 100% of letters

- Other standing covenants — 100% of letters

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

- (facilities, largest first)

## Common questions

### 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.

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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 Citibank N's current policy.