# 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.

Source: https://www.recurclub.com/lenders/csb-bank
Last updated: 2026-10-20

Also offered, with no terms observed yet: Loan Against Securities, Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.

## Eligibility

### Screening gates and observed behaviour

- 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) · 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)

## Common questions

### 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.

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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 CSB Bank's current policy.