DCB Bank business loans
DCB Bank is on Recur Club's lender panel, writing overdraft / cash credit, secured term loan.
- ✓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
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 8–16% (range across products — see matrix)
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- 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%
- FD margin 10–15%
- 1st charge on P&M
What DCB 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 |
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Also offered, with no terms observed yet: Overdraft / Cash Credit, Secured Term Loan.
What borrowers ask about DCB Bank
- What does DCB Bank lend?
- DCB Bank writes overdraft / cash credit, secured term loan.
- What are DCB 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.
- How do I apply to DCB Bank?
- You do not apply to DCB Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against DCB Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is DCB 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 DCB 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 DCB 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 DCB Bank is the right lender for you
A few questions. Recur Market scores you against DCB 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 DCB Bank's current policy. Terms are set by the lender at the time of sanction.