What does Grow Money lend?

Grow Money writes secured term loan. Across those, observed facilities run ₹5 cr to ₹5 cr.

What ticket size does Grow Money offer?

Facilities observed on live transactions run from ₹5 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Grow Money charge?

Rates observed on live transactions fall between 15.5% and 15.5% a year. Tenures run 24 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Grow Money take to disburse?

About 2 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Grow Money'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.

Lender profile

Grow Money business loans

Grow Money is on Recur Club's lender panel, writing secured term loan. Observed tickets run ₹5 cr to ₹5 cr, priced between 15.5% and 15.5%. Median turnaround from application to disbursal is about 2 days.

✓Tickets from ₹5 Cr – ₹5 Cr across 1 products
✓Indicative pricing 15.5% – 15.5%, as quoted on live transactions
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹3 Cr

Median sanction

— The screen your file has to clear

The screen your file has to clear

What is checked before anything else, and applies to every product below.

Behaviour & gates

Borrower: CIBIL ≥650
age ≥2y
Delhi
positive sector: Financial Services
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4

12 more ▾

minimum assetsundermanagement: 15
networth ≥₹10cr
debt/networth ≤4
DSCR ≥1
Deal: rate 15–18%
ticket ₹2–10cr
Security (observed): 1st/pari-passu charge on current assets (100%)
Corporate Guarantee (67%)
Personal Guarantee Of Promoters / Directors / Property Owner (67%)
Security asked in : 1st/pari-passu charge on current assets (×4), Personal Guarantee Of Promoters/Directors (×2), Fixed Deposit <5% (×1), FD margin 5–10% (×1)
Security asked in 2026: 1st/pari-passu charge on current assets (×3), Corporate Guarantee (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×2), FD margin 5–10% (×1)
share → in-principle approval (initial interest): ≈21d

— Products & indicative terms

What Grow Money 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
Secured Term Loan▾▴ Turnaround ~2d Wins Director overdue: 0.001 INR Cr [set , Mohit Gautam] Director CIBIL: 650 [set , Mohit Gautam] States: Delhi [set , Mohit Gautam] Min company age (yr): 2 Years [set , Mohit Gautam] 12 more ▾ ▴ Min EBITDA (₹cr): 0 [set , Mohit Gautam] TOL: 5 [set , Mohit Gautam] Debt / EBITDA: 4 [set , Mohit Gautam] Pat: 0 INR Cr [set , Mohit Gautam] Min Assetsundermanagement: 15 INR Cr [set , Mohit Gautam] Min Networth: 10 INR Cr [set , Mohit Gautam] Debt / Net worth: 4 [set , Mohit Gautam] Debt Service Coverage Ratio: 1 [set , Mohit Gautam] Offered terms (past deals): rate 15.5–15.5–15.5% ₹5–5–5 Cr 24–24–24 mo Turnaround: ≈2 days (share→disburse) Behaviour & gates Min ticket (₹cr): 2 [set , Mohit Gautam] Max tenure (mo): 36 Months [set , Mohit Gautam] Min rate (%): 15 [set , Mohit Gautam] Max ticket (₹cr): 10 [set , Mohit Gautam] Security required: ['Charge On Current Assets - Pari Passu First Charge'] [set , Mohit Gautam] Max rate (%): 18 [set , Mohit Gautam] 2 more ▾ ▴ rate — stated 15–18%, actually offered 15.5–15.5% → within stated band Amount — stated 2–10 Cr, actually offered 5–5 Cr → within stated band	₹5 cr	15.5%	24 mo

— Typical term sheet

What a sanction from Grow Money actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 1 sanction letters carrying the clause.

Other standing covenants100%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Demand Promissory Note (DPN)1 letters

Demand Promissory Note (DPN) ×1

— Common questions

What borrowers ask about Grow Money

What does Grow Money lend?: Grow Money writes secured term loan. Across those, observed facilities run ₹5 cr to ₹5 cr.
What ticket size does Grow Money offer?: Facilities observed on live transactions run from ₹5 cr to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Grow Money charge?: Rates observed on live transactions fall between 15.5% and 15.5% a year. Tenures run 24 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Grow Money take to disburse?: About 2 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Grow Money'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.

Next steps after Grow Money

Check your match

Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.

Browse every lender

Search the panel by name, product or ticket size, and compare credit boxes side by side.

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AICA

The underwriting platform these credit boxes come from. Built for lenders and credit teams.

Bharat Ke SuperFounders

Founder stories from the companies building in India, from the team behind Recur Club.

See whether Grow Money is the right lender for you

A few questions. Recur Market scores you against Grow Money and the rest of the panel, on each lender's own recorded criteria.

Check my match

Last updated 29 September 2026

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 Grow Money's current policy. Terms are set by the lender at the time of sanction.