# Indian Bank business loans

> Indian Bank is on Recur Club's lender panel, writing working capital demand loan.

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

Also offered, with no terms observed yet: Working Capital Demand 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 (observed): Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%) · 1st/pari-passu charge on current assets (100%) · Fixed Deposit <5% (100%) · FD margin 5–10% (100%) · FD margin 10–15% (100%) · FD margin 15–20% (100%) · FD margin 20–30% (100%) · FD margin 30–40% (100%) · FD margin 40–50% (100%) · Commercial/Office Property/Factory Building - Exclusive First Charge (100%) · Corporate Guarantee (100%) · Warrants >10% (100%)
- Security asked in : Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1), 1st/pari-passu charge on current assets (×1), Fixed Deposit <5% (×1)

## Common questions

### What does Indian Bank lend?

Indian Bank writes working capital demand loan.

### What are Indian 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 Indian Bank ask for?

Observed across sanctions: Personal Guarantee Of Promoters/Directors (100%) · Escrow Of Cashflows (100%) · 1st/pari-passu charge on current assets (100%) · Fixed Deposit <5% (100%) · FD margin 5–10% (100%) · FD margin 10–15% (100%) · FD margin 15–20% (100%) · FD margin 20–30% (100%) · FD margin 30–40% (100%) · FD margin 40–50% (100%) · Commercial/Office Property/Factory Building - Exclusive First Charge (100%) · Corporate Guarantee (100%) · Warrants >10% (100%).

### How do I apply to Indian Bank?

You do not apply to Indian Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Indian Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.

### Is Indian 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 Indian 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 Indian Bank's current policy.