DBS Bank business loans
DBS Bank is on Recur Club's lender panel, writing domestic factoring, dropline overdraft, overdraft / cash credit and 4 other products.
- ✓We check your fit against every lender on the panel, not just this one
2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Dbs Bank India Limited
- Borrower: CIBIL ≥650
- Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh, Bihar, Jharkhand, Odisha, West Bengal, Chhattisgarh, Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, Tripura, Andaman and Nicobar Islands (varies by product)
- avoid: Financial Services (varies by product)
- Financials: EBITDA ≥₹-100cr (varies by product)
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
17 more ▾ ▴
- 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 (observed): FD margin 5–10% (100%)
- Personal Guarantee Of Promoters/Directors (100%)
- 1st/pari-passu charge on current assets (100%)
- Movable Fixed Assets/Plant & Machinery - Second Charge (100%)
- Escrow Of Cashflows (100%)
- Pledge Of Share (Unlisted Entities) (100%)
- median ticket ₹12cr
- median rate 11%
- median turnaround —
- Security asked in : Personal Guarantee Of Promoters/Directors (×8), 1st/pari-passu charge on current assets (×5), FD margin 20–30% (×4), 1st charge on P&M (×2)
- Security asked in 2026: FD margin 5–10% (×1), Personal Guarantee Of Promoters/Directors (×1), 1st/pari-passu charge on current assets (×1), Movable Fixed Assets/Plant & Machinery - Second Charge (×1)
- share → in-principle approval (initial interest): ≈118d
Dbs Bank Ltd
- Borrower: CIBIL ≥650
- avoidEngineeringProcurementand Construction (EPC)InfrastructureReal Estate (non asset Light)Gems and Jewellery
- Haryana, Himachal Pradesh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand, Chandigarh, Delhi, Jammu and Kashmir, Ladakh
- Financials: rev ≥₹700cr
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
10 more ▾ ▴
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 7.5–16% (range across products — see matrix)
- ticket ₹25–200cr
- tenure 12–84mo
- Security (observed): Escrow Of Cashflows (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (100%)
- Corporate Guarantee (100%)
- Security asked in 2026: Escrow Of Cashflows (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 10–15% (×1), Corporate Guarantee (×1)
What DBS 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 | Arm |
|---|
Also offered, with no terms observed yet: Domestic Factoring, Dropline Overdraft, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about DBS Bank
- What does DBS Bank lend?
- DBS Bank writes domestic factoring, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 1 further products.
- What are DBS 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 DBS Bank ask for?
- Observed across sanctions: FD margin 5–10% (100%) · Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%) · Movable Fixed Assets/Plant & Machinery - Second Charge (100%) · Escrow Of Cashflows (100%) · Pledge Of Share (Unlisted Entities) (100%).
- How do I apply to DBS Bank?
- You do not apply to DBS Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against DBS Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is DBS 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 DBS 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 DBS 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.
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See whether DBS Bank is the right lender for you
A few questions. Recur Market scores you against DBS 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 DBS Bank's current policy. Terms are set by the lender at the time of sanction.