# DCB Bank business loans

> DCB Bank is on Recur Club's lender panel, writing overdraft / cash credit, secured term loan.

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

Also offered, with no terms observed yet: Overdraft / Cash Credit, Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- 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) · 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

## Common questions

### 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.

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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 DCB Bank's current policy.