CSB Bank business loans
CSB Bank is on Recur Club's lender panel, writing loan against securities, purchase invoice discounting, secured term loan and 1 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.
- Borrower: CIBIL ≥650
- avoid: Banking, Financial Services, Gems and Jewellery, Insurance, Real Estate (non asset Light) (varies by product)
- Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (44 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹1cr (varies by product)
19 more ▾ ▴
- runway ≥12mo (varies by product)
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- networth ≥₹20cr (varies by product)
- debt/networth ≤3
- DSCR ≥1
- maximum assetsundermanagement: 10000 (secured term loan only)
- minimum assetsundermanagement: 5000 (secured term loan only)
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹5–200cr (range across products — see matrix)
- tenure 12–84mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (75%)
- FD margin 10–15% (50%)
- median ticket ₹20cr
- median rate 10.5%
- median turnaround —
- Security asked in : 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), FD margin 5–10% (×1), 1st/pari-passu charge on current assets (×1)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), 1st/pari-passu charge on current assets (×3), FD margin 10–15% (×2), Escrow Of Cashflows (×1)
What CSB 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, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about CSB Bank
- What does CSB Bank lend?
- CSB Bank writes loan against securities, purchase invoice discounting, secured term loan, working capital demand loan.
- What are CSB 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 CSB Bank ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (75%) · FD margin 10–15% (50%).
- How do I apply to CSB Bank?
- You do not apply to CSB Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against CSB Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is CSB 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 CSB 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 CSB 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.
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 CSB Bank is the right lender for you
A few questions. Recur Market scores you against CSB 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 CSB Bank's current policy. Terms are set by the lender at the time of sanction.