# 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.

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

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.

## Eligibility - DBS BANK INDIA LIMITED

### Screening gates and observed behaviour

- 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 · 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

## Eligibility - DBS BANK LTD

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · avoid: Engineering, Procurement, and Construction (EPC), Infrastructure, Real 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 · 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)

## Common questions

### 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.

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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 DBS Bank's current policy.