What does Indifi Technologies lend?

Indifi Technologies writes distributor financing, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 3 further products. Across those, observed facilities run ₹10 lakh to ₹2 cr.

What ticket size does Indifi Technologies offer?

Facilities observed on live transactions run from ₹10 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Indifi Technologies charge?

Rates observed on live transactions fall between 15.5% and 19.8% a year. Tenures run 6 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Indifi Technologies take to disburse?

About 12 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 Indifi Technologies'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

Indifi Technologies business loans

Indifi Technologies is on Recur Club's lender panel, writing distributor financing, dropline overdraft, overdraft / cash credit and 6 other products. Observed tickets run ₹10 lakh to ₹2 cr, priced between 15.5% and 19.8%. Median turnaround from application to disbursal is about 12 days.

✓Tickets from ₹10 L – ₹2 Cr across 10 products
✓Indicative pricing 15.5% – 19.8%, 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

₹1 Cr

Median sanction

Sanction letters read

— Which arm you land with

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.

Indifi Technologies Private Limited

Rejects

Can't pick this case — company was recently rejected
Case is a duplicate — already under evaluation elsewhere and likely to be rejected, so cannot be picked
Cannot pick this case — it is a dedupe
Won't move ahead with this case — Director and majority shareholder Amit Bhasin was co-founder of GoMechanic, reported to have been involved in financial fraud and revenue misrepresentation

22 more ▾

case does not meet internal credit policy criteria for onboarding
We don't deal in allopathic medicine
Case rejected — another anchor already punched/registered in this case
Declined the deal: the legal case against the promoter remains active and he is currently marked absconding
clarifications provided do not change this status
"We should avoid this case" regarding Ono Ark, an agri-marketplace platform connecting bulk buyers/sellers across mandis
New NBFC acquired by borrower - not suitable for lender
Passing the deal - company not aligned on the Quantum, rate, PF and tenure
Given these considerations, we should avoid this
Loan amount cannot be increased
Personal SPDC and founder cheques are not being considered
No founder cheques accepted
Will not accept promoter cheques equivalent to the loan amount as it is essentially a personal guarantee on an unsecured facility
Rejected by lender
Unable to offer direct loan terms due to lender PEC restrictions related to revenue concentration issues
Rejected by lender (reason pending)
Case looking not doable due to current overdue of Rs 116,495 in CIBIL report and low EOD bank balance
After re-evaluation, amount enhancement is not possible for this case
Indifi not okay with the sector
Lender is refraining to fund this entity due to high leverage.
Previously shared offer is final; no further negotiations or revisions will be made
No changes possible to foreclosure charges, as these are standard policy

Wins

Prefers Mrs. Himani be added as co-applicant if proceeding
Prefers structuring the facility through Flipkart escrow and on the sole proprietorship entity due to higher escrow flow
Plans to reassess company performance in 3 months for potential additional exposure
Company deals in adult products, which reduces the likelihood of funding

9 more ▾

Willing to work with the proposed processing fee (PF) and extend tenure to 18 months
…more in playbook
Borrower (Iserveu) is currently in a restructuring phase, flagged in connection with an outstanding balance owed to Incred
For redeployment cases; Indifi team is not to directly reach out to customers
For a top-up case (CTPL), commission/revenue-share is computed as 50% of the PF charged, applied only on the incremental disbursed amount rather than the full disbursement.
Redeployment cases to be checked when POS (principal outstanding) has reduced by 25% at month end
Lender cannot share soft/indicative terms before Personal Discussion (PD)
PD must be completed before terms are issued as they lack the capability/process to do otherwise
When a borrower is unable to complete GST OTP e-consent, GSTR-3B report is accepted as an alternative data source for GST verification.

Behaviour & gates

Borrower: CIBIL ≥650
age ≥3y (purchase invoice discounting, sales invoice discounting only)
avoid
Gambling and BettingTobacco ProductsExplosivesArms and AmmunitionsGems and JewelleryLottery Business (varies by product)
Private Limited, Sole proprietorship, Limited Liability Partner, Public
sector-agnostic (39 sectors — full list in data JSON) (varies by product)
Financials: EBITDA ≥₹-25cr (varies by product)

21 more ▾

runway ≥6mo (dropline overdraft, unsecured business loan)
runway ≥12mo (purchase invoice discounting, sales invoice discounting)
exisiting debt: 35
rev ≥₹3cr (dropline overdraft, unsecured business loan)
rev ≥₹100cr (sales invoice discounting)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
maximum annualrevenue: 300 (dropline overdraft, sales invoice discounting, unsecured business loan only)
debt/networth ≤4
DSCR ≥1
Deal: rate 14–24% (range across products — see matrix)
ticket ₹0–3cr (range across products — see matrix)
tenure 0–48mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Security asked in : 1st/pari-passu charge on current assets (×1), FD margin 20–30% (×1), FD margin 30–40% (×1), FD margin 40–50% (×1)
Security asked in : Personal Guarantee Of Promoters / Directors / Property Owner (×11), Personal Guarantee Of Promoters/Directors (×2), FD margin 5–10% (×2), 1st/pari-passu charge on current assets (×2)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×54), FD margin 10–15% (×13), Escrow Of Cashflows (×5), FD margin 5–10% (×5)
share → in-principle approval (initial interest): ≈13d
in-principle approval → sanction (underwriting): ≈8d
sanction → disburse (closing): ≈1d

Indifi Capital Private Limited

Rejects

Avoids low-margin, commodity-driven businesses like metals and industries with high price fluctuations
Negative industries - Steel, Gems, Marine, Real Estate, EPC, Tobacco
Won't be able to proceed with the customer's proposed commercials (15%-15.5% rate, 1% PF, 10% margin)
Won't fund (stated policy): Steel

9 more ▾

Gems and Jewellery
Real Estate (non asset Light)
Engineering, Procurement, and Construction (EPC)
Tobacco Products
Selective / conditional (stated policy): Steel
Gems and Jewellery
Real Estate (non asset Light)
Engineering, Procurement, and Construction (EPC)
Tobacco Products

Wins

Pan India coverage till Tier 3 cities, major presence in North & West
preferred industries FMCG, White Goods, Consumer Durables, Building materials/Paints, 2 Wheelers
1-year vintage requirement for borrowers vs 2-5 year industry standard; anchor-borrower vintage can be as low as 3 months
Focus on high-margin retail-heavy sectors (FMCG, building materials, components)

22 more ▾

Manufacturing remains a preferred segment
trading acceptable subject to satisfactory risk assessment
export-oriented businesses viewed favourably
comfortable evaluating packaging, pharmaceuticals, plastics, solar manufacturing and metal trading
Security-backed structures preferred wherever feasible
…more in playbook
Anchor must be ₹1000 Cr & above, PAT positive, min potential ₹10 Cr AUM
Annual banking turnover > INR 200 lacs, average banking balance > INR 50k
Beyond the standard docs list, credit team asks for certain additional documents on a case-by-case basis
0.5% rate reduction with every 5% FD Margin
Margin-decline explanation (shift to established manufacturing partners) is inconsistent with supplier data (10 of top 15 suppliers common across FY25-FY26) and GST records — a partner shift typically explains ≈5% margin change vs. the observed ≈20% drop
Minimum monthly anchor purchase INR 5 lacs (60 lacs p.a.) or 15% dependency on anchor, with purchases in 4 of last 6 months
Agreement e-signing links are routed via the Complinity portal and arrive under a specific subject-title format ('Indifi Capital Pvt Ltd | Secretarial | (Agreement Name) | Please sign the attached document')
Can consider ticket sizes up to ₹20 Cr subject to credit approval
Comfortable starting ticket size ₹50-60 lakh
enhancement to ₹1 Cr+ easier after repayment history
committee scrutiny increases materially beyond ₹1 Cr
Can work with loss-making anchors (e.g. VC-funded startups) if clear cash runway of minimum 12 months
DSCR declining year-over-year (2.22→0.80→0.67) flagged as debt being on the higher side
Dealer business vintage minimum 1 year, anchor vintage minimum 6 months
Given historical instability in revenue growth and EBITDA margins, fixed/projected financials are not relied upon for future DSCR calculations
Term sheets issued for dealer finance often fail at dealer-by-dealer onboarding since dealers don't agree, causing deals to convert into SID-type structures instead (as seen in precedent cases like KVB)

Behaviour & gates

Borrower: age ≥3y (purchase invoice discounting, sales invoice discounting)
age ≥1y (distributor financing, vendor financing)
CIBIL ≥650
avoid
SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions
pan-India
Private Limited, Public, Sole proprietorship, Limited Liability Partner

17 more ▾

sector-agnostic (39 sectors — full list in data JSON)
Financials: runway ≥12mo
rev ≥₹50cr (purchase invoice discounting, sales invoice discounting)
rev ≥₹100cr (distributor financing, vendor financing)
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Deal: rate 15–18%
ticket ₹0–15cr (range across products — see matrix)
tenure 0–12mo
Security (observed): FD margin 10–15% (100%)
Personal Guarantee Of Promoters / Directors / Property Owner (100%)
Security asked in 2026: FD margin 10–15% (×16), Personal Guarantee Of Promoters / Directors / Property Owner (×16), FD margin 15–20% (×3), Corporate Guarantee (×3)
share → in-principle approval (initial interest): ≈14d
in-principle approval → sanction (underwriting): ≈17d
sanction → disburse (closing): ≈1d

— Products & indicative terms

What Indifi Technologies 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
Purchase Invoice Discounting▾▴ Turnaround ~56d Rejects Negative sectors SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions Wins Director overdue: 0.001 INR Cr [set , Sachin Verma] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , Sachin Verma] Min company age (yr): 3 Years [set , Sachin Verma] Director CIBIL: 650 [set , Sachin Verma] 20 more ▾ ▴ Min EBITDA (₹cr): 0 [set , Sachin Verma] Min Runway: 12 Months [set , Sachin Verma] Exisiting Debt: 35 % [set , Sachin Verma] TOL: 5 [set , Sachin Verma] Debt / EBITDA: 4 [set , Sachin Verma] Min Networth: 0 INR Cr [set , Sachin Verma] Debt / Net worth: 4 [set , Sachin Verma] Debt Service Coverage Ratio: 1 [set , Sachin Verma] Offered terms (past deals): rate 18–18–18% ₹0.3–0.3–0.3 Cr 12–12–12 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈56 days (share→disburse) Asks for Other (×5) — e.g. CIBIL consent document required from the company Asks for MIS (×4) — e.g. MIS (Management Information System) report required by lender Asks for Bank statements (×3) — e.g. Lender requires GST and CIBIL verification links plus bank statements and latest Asks for Audited financials (×1) — e.g. Audited financials for FY25 and FY26 required for sole proprietorship case Asks for Debt schedule / sanction letters (×1) — e.g. Complete debt schedule required in standard format with financer name and securi Asks for GST / integration (×1) — e.g. GST returns and CIBIL consent required by lender Asks for Provisional financials (×1) — e.g. March 2026 provisional financials required to be shared before sanction Asks for Term sheet (×1) — e.g. Filed GST documents provided Behaviour & gates Min tenure (mo): 0 Months [set , Sachin Verma] Min ticket (₹cr): 0 [set , Sachin Verma] Max tenure (mo): 12 Months [set , Sachin Verma] Min rate (%): 14 [set , Sachin Verma] Max ticket (₹cr): 2 [set , Sachin Verma] Security required: ['Fixed Deposit 10 - 15%'] [set , Sachin Verma] 23 more ▾ ▴ Max rate (%): 18 [set , Sachin Verma] rate — stated 14–18%, actually offered 18–18% → within stated band Amount — stated 0–2 Cr, actually offered 0.3–0.3 Cr → within stated band Tenure — stated 0–12 mo, actually offered 12–12 mo → within stated band Passed on the deal due to 3% gross margins (×1 latest ) Client declined personal guarantee/co-applicant lender asked to consider 5-10% FD as collateral in lieu of personal guarantee to establish the banking relationship (×1 latest ) Company prefers a Sales Invoice Discounting facility over a term loan (×1 latest ) Borrower requests no security/collateral, confirming they are seeking an unsecured loan structure (×1 latest ) Borrower has breached the DSCR covenant on the Tata Capital loan CIBIL reporting flagged as a concern for the client; reasons to be provided after consulting with the client Company willing to start with a small credit line of INR 25-30 lakhs Client received a competing sanction letter at 14.5% rate and is seeking a matching or lower rate plus reduced processing fee FD collateral proposed in the 5% to 10% range in lieu of personal guarantee FY26 gross margin of 10% reconciled: COGS of INR 8.12 crore computed as INR 9.74 crore less INR 1.53 crore change in stock, against revenue of INR 9.12 crore Client's other bank accounts (besides Axis 3510 and ICICI 0742) belong to a separate related entity, MB Enterprises, not to the borrower itself Deal being evaluated has a maximum ticket size of INR 25-30 lacs For this case, check the debt sheet in the AICA portal 65 credit bureau enquiries in trailing 6 months flagged as a risk factor	₹0.3 cr	18%	12 mo	Indifi Technologies
Secured Term Loan▾▴ Turnaround ~130d Behaviour & gates Offered terms (past deals): rate 18–18.2–18.5% ₹0.5–0.5–0.5 Cr 12–18–24 mo Turnaround: ≈130 days (share→disburse)	₹0.5 cr	18–18.5%	12–24 mo	Indifi Technologies
Unsecured Business Loan▾▴ Turnaround ~23d Rejects Negative sectors Gambling and BettingTobacco ProductsExplosivesArms and AmmunitionsServices for Mining IndustryMining CompaniesGems and JewelleryLottery BusinessTextiles [setAbhishek Tiwari] Wins Director overdue: 0.001 INR Cr [set , Abhishek Tiwari] Director CIBIL: 650 [set , Abhishek Tiwari] Company types: Private Limited, Sole proprietorship, Limited Liability Partner, Public [set , Abhishek Tiwari] Min EBITDA (₹cr): -25 [set , Abhishek Tiwari] 22 more ▾ ▴ Min Runway: 6 Months [set , Abhishek Tiwari] Exisiting Debt: 35 % [set , Abhishek Tiwari] Min revenue (₹cr): 3 [set , Abhishek Tiwari] TOL: 5 [set , Abhishek Tiwari] Debt / EBITDA: 4 [set , Abhishek Tiwari] Max revenue (₹cr): 300 [set , Abhishek Tiwari] Debt / Net worth: 4 [set , Abhishek Tiwari] Debt Service Coverage Ratio: 1 [set , Abhishek Tiwari] Offered terms (past deals): rate 15.5–18.5–19.8% ₹0.1–0.5–2 Cr 6–12–36 mo _(excl. 1 multi-product deal — no per-product split on record)_ Turnaround: ≈23 days (share→disburse) Asks for Other (×85) — e.g. Requested updated debt sheet from borrower Asks for GST / integration (×53) — e.g. Requires GST report access Asks for Bank statements (×37) — e.g. HDFC bank statements from December to April required Asks for MIS (×27) — e.g. FY25 provisional financials received were incorrect; requests updated provisiona Asks for Debt schedule / sanction letters (×19) — e.g. Sanction letter required Asks for Cap table / equity (×18) — e.g. Requires fully diluted shareholding of both companies Asks for Term sheet (×13) — e.g. Requests contract copy to review possibility of a higher funding amount Asks for Provisional financials (×9) — e.g. Requires provisional balance sheet and P&L for FY of the acquired company Asks for Receivable/inventory ageing (×5) — e.g. Requires Debtor Ageing report Asks for Audited financials (×4) — e.g. Will reassess the entity for higher amount only after receiving audited FY25 fin Behaviour & gates Min tenure (mo): 3 Months [set , Abhishek Tiwari] Min ticket (₹cr): 0.1 [set , Abhishek Tiwari] Max tenure (mo): 48 Months [set , Abhishek Tiwari] Min rate (%): 15 [set , Abhishek Tiwari] Politically Exposed Person: No [set , Abhishek Tiwari] Max ticket (₹cr): 3 [set , Abhishek Tiwari] 34 more ▾ ▴ Max rate (%): 24 [set , Abhishek Tiwari] rate — stated 15–24%, actually offered 15.5–19.8% → within stated band Amount — stated 0.1–3 Cr, actually offered 0.1–2 Cr → within stated band Tenure — stated 3–48 mo, actually offered 6–36 mo → within stated band Cannot proceed - this is already an active client (×1 latest ) Can't pick this case — company was recently rejected (×1 latest ) Cannot pick this case — it is a dedupe (×1 latest ) Case is a duplicate — already under evaluation elsewhere and likely to be rejected, so cannot be picked (×1 latest ) Won't move ahead with this case — Director and majority shareholder Amit Bhasin was co-founder of GoMechanic, reported to have been involved in financial fraud and revenue misrepresentation case does not meet internal credit policy criteria for onboarding (×1 latest ) We don't deal in allopathic medicine (×1 latest ) Case rejected — another anchor already punched/registered in this case (×1 latest ) Declined the deal: the legal case against the promoter remains active and he is currently marked absconding clarifications provided do not change this status (×1 latest ) "We should avoid this case" regarding Ono Ark, an agri-marketplace platform connecting bulk buyers/sellers across mandis (×1 latest ) New NBFC acquired by borrower - not suitable for lender (×1 latest ) Case was dropped due to nonfulfillment of conditions stipulated at the time of first disbursement (×1 latest ) Passing the deal - company not aligned on the Quantum, rate, PF and tenure (×1 latest ) Given these considerations, we should avoid this (×1 latest ) Loan amount cannot be increased (×1 latest )	₹0.1–2 cr	15.5–19.8%	6–36 mo	Indifi Technologies
Purchase Invoice Discounting▾▴ Turnaround ~12d Rejects Negative sectors SteelGems and JewelleryOthersReal Estate (asset Light)Real Estate (non asset Light)EngineeringProcurementand Construction (EPC)Tobacco ProductsBankingExplosivesArms and Ammunitions Wins Director overdue: 0.001 INR Cr [set , Shashwat Khattar] States: pan-India [set , Shashwat Khattar] Company types: Private Limited, Public, Sole proprietorship, Limited Liability Partner [set , Shashwat Khattar] Min company age (yr): 3 Years [set , Shashwat Khattar] 17 more ▾ ▴ Director CIBIL: 650 [set , Shashwat Khattar] Min EBITDA (₹cr): 0 [set , Shashwat Khattar] Min Runway: 12 Months [set , Shashwat Khattar] Min revenue (₹cr): 50 [set , Shashwat Khattar] TOL: 5 [set , Shashwat Khattar] Debt / EBITDA: 4 [set , Shashwat Khattar] Pat: 0 INR Cr [set , Shashwat Khattar] Min Networth: 0 INR Cr [set , Shashwat Khattar] Debt / Net worth: 4 [set , Shashwat Khattar] Debt Service Coverage Ratio: 1 [set , Shashwat Khattar] Offered terms (past deals): rate 15.5–15.5–15.5% ₹2–2–2 Cr 15–15–15 mo Turnaround: ≈12 days (share→disburse) Asks for Bank statements (×5) — e.g. Requires bank statements, GST certificate, and Udyam certificate from borrower Asks for Other (×1) — e.g. Requires Asks for Term sheet (×1) — e.g. Lender requires KYC documents (PAN, Aadhaar, photos) for both directors, GST reg Behaviour & gates Min tenure (mo): 0 Months [set , Shashwat Khattar] Min ticket (₹cr): 0 [set , Shashwat Khattar] Max tenure (mo): 12 Months [set , Shashwat Khattar] Min rate (%): 15 [set , Shashwat Khattar] Max ticket (₹cr): 2 [set , Shashwat Khattar] Security required: ['Fixed Deposit 10 - 15%'] [set , Shashwat Khattar] 21 more ▾ ▴ Max rate (%): 18 [set , Shashwat Khattar] rate — stated 15–18%, actually offered 15.5–15.5% → within stated band Amount — stated 0–2 Cr, actually offered 2–2 Cr → within stated band Tenure — stated 0–12 mo, actually offered 15–15 mo → exceeded stated ceiling Won't be able to proceed with the customer's proposed commercials (15%-15.5% rate, 1% PF, 10% margin) (×1 latest ) Lender to pass on the deal due to CIBIL overdues (×1 latest ) Case rejected due to low CIBIL score, recent delinquency & high number of inquiries Company reported to be in turmoil; team confirming final steps Credit concerns flagged: recent delinquency, high penal transactions, low end-of-day (EOD) balances, high credit enquiries, and elevated leverage 15% cash margin required At least 20% cash margin gets 15% p.a. rate and 0.75% PF (net to Indifi); at 15% cash margin, rate rises to 16% p.a. with same PF Circular transactions flagged in FY25-26 with 44.21% of sales and 94.74% of purchases concentrated as circular Borrower's HDFC Bank and ICICI Bank accounts are closed Lender needs clarification on the ≈4 cr WC gap against client's already sufficient WC lines to justify the purchase invoice discounting requirement to credit team Revenue discrepancy flagged: GST report for FY25 shows ₹89.81 Cr revenue vs audited financials showing only ₹2.54 Cr, indicating incorrect or misleading data CIBIL overdue flagged was due to Shriram Finance abruptly closing its supply chain finance business in Jan 2026 without notice, causing liquidity strain during peak season borrower had no overdues with Shriram in the prior 2 years, and Shriram has agreed a reduction plan and allowed continued… CIBIL score of 678 with 30 credit inquiries in last 6 months flagged during review Fluctuation in sales explained by inconsistent methodology for calculating Revenue from Operations across years by preparer, requiring reconciliation via P&L and Sales Annexure	₹2 cr	15.5%	15 mo	Indifi Capital

Also offered, with no terms observed yet: Dropline Overdraft, Overdraft / Cash Credit, Sales Invoice Discounting, Working Capital Demand Loan, Distributor Financing, Vendor Financing.

— Typical term sheet

What a sanction from Indifi Technologies 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 7 sanction letters carrying the clause.

Other standing covenants71%

— 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.

Indifi Capital Private Limited

Repayment Instruments2 letters
Repayment Instruments (cheques/PDCs)2 letters

Repayment Instruments ×2, Repayment Instruments (cheques/PDCs) ×2

— Common questions

What borrowers ask about Indifi Technologies

What does Indifi Technologies lend?: Indifi Technologies writes distributor financing, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 3 further products. Across those, observed facilities run ₹10 lakh to ₹2 cr.
What ticket size does Indifi Technologies offer?: Facilities observed on live transactions run from ₹10 lakh to ₹2 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Indifi Technologies charge?: Rates observed on live transactions fall between 15.5% and 19.8% a year. Tenures run 6 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Indifi Technologies take to disburse?: About 12 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 Indifi Technologies'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 Indifi Technologies

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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 Indifi Technologies's current policy. Terms are set by the lender at the time of sanction.