HDFC Bank business loans
HDFC Bank is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, loan against property, 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.
Hdfc Bank Limited
- Borrower: CIBIL ≥650
- age ≥1y (varies by product)
- Maharashtra, Karnataka (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (46 sectors — full list in data JSON) (varies by product)
- Financials: EBITDA ≥₹-100cr (varies by product)
22 more ▾ ▴
- runway ≥6mo (varies by product)
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- maximum networth: 1000 (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
- rev ≥₹10cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan)
- rev ≥₹20cr (machinery loan, vehicle financing, vendor financing)
- networth ≥₹1cr (cgtmsme overdraft cash credit, cgtmsme term loan, cgtmsme working capital demand loan only)
- Deal: rate 7–16% (range across products — see matrix)
- ticket ₹2–300cr (range across products — see matrix)
- tenure 12–180mo (range across products — see matrix)
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (100%)
- 1st charge on immovable assets (50%)
- median ticket ₹10cr
- median rate 12.4%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×1), Escrow Of Cashflows (×1), Personal Guarantee Of Promoters/Directors (×1)
- Security asked in : 1st/pari-passu charge on current assets (×10), Personal Guarantee Of Promoters/Directors (×9), FD margin 20–30% (×6), FD margin 30–40% (×4)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×6), 1st/pari-passu charge on current assets (×6), 1st charge on immovable assets (×3), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×2)
- share → in-principle approval (initial interest): ≈46d
Hdfc Securities Limited
- Declined deal because rate was below HDFC AMC's mandate threshold
- Declined deal because ticket size was below HDFC AMC's mandate threshold
- xirr target of 14 to 16
- Borrower: CIBIL ≥650
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 12–14%
7 more ▾ ▴
- ticket ₹75–300cr
- tenure 18–60mo
- Security (observed): share pledge ≤51% (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- 1st/pari-passu charge on current assets (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×2), 2nd charge on current assets (×1), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1)
- Security asked in 2026: share pledge ≤51% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1), 1st/pari-passu charge on current assets (×1)
What HDFC 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: Cgtmsme Overdraft Cash Credit, Loan Against Property, Overdraft / Cash Credit, Purchase Invoice Discounting, Secured Term Loan, Unsecured Business Loan, Working Capital Demand Loan.
What a sanction from HDFC Bank 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.
How often each clause appears
Share of the 187 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
Hdfc Bank Limited
- Fixed Deposit32 letters
- Stock22 letters
- Personal Guarantee20 letters
- Book Debts16 letters
- Stock/Inventory14 letters
- Residential Flat / Apartment13 letters
- Fixed Deposit ×32, Stock ×22, Personal Guarantee ×20, Book Debts ×16, Stock/Inventory ×14, Residential Flat / Apartment ×13
What borrowers ask about HDFC Bank
- What does HDFC Bank lend?
- HDFC Bank writes cgtmsme overdraft cash credit, loan against property, overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan and 1 further products.
- What are HDFC 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 HDFC Bank ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · 1st/pari-passu charge on current assets (100%) · 1st charge on immovable assets (50%).
- How do I apply to HDFC Bank?
- You do not apply to HDFC Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against HDFC Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is HDFC 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 HDFC 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 HDFC 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 HDFC Bank is the right lender for you
A few questions. Recur Market scores you against HDFC 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 HDFC Bank's current policy. Terms are set by the lender at the time of sanction.