Indusind Bank business loans
Indusind Bank is on Recur Club's lender panel, writing working capital demand loan.
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- age ≥2y
- pan-India
- sector-agnostic (50 sectors — full list in data JSON)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: runway ≥12mo
15 more ▾ ▴
- rev ≥₹50cr
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- Deal: rate 10–14%
- ticket ₹4–50cr
- tenure 12–48mo
- no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%)
- FD margin 10–15% (50%)
- FD margin 20–30% (50%)
- Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- 1st charge on P&M (50%)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), FD margin 10–15% (×1), FD margin 20–30% (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
What Indusind 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 |
|---|
Also offered, with no terms observed yet: Working Capital Demand Loan.
What a sanction from Indusind 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 59 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.
- Movable Fixed Assets10 letters
- Residential Land & Building10 letters
- Commercial Land & Building9 letters
- Current Assets9 letters
- Vehicle/Asset Hypothecation5 letters
- Fixed Deposit Receipt / Cash Deposit4 letters
- Movable Fixed Assets ×10, Residential Land & Building ×10, Commercial Land & Building ×9, Current Assets ×9, Vehicle/Asset Hypothecation ×5, Fixed Deposit Receipt / Cash Deposit ×4
What borrowers ask about Indusind Bank
- What does Indusind Bank lend?
- Indusind Bank writes working capital demand loan.
- What are Indusind 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 Indusind Bank ask for?
- Observed across sanctions: 1st/pari-passu charge on current assets (100%) · FD margin 10–15% (50%) · FD margin 20–30% (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%) · 1st charge on P&M (50%).
- How do I apply to Indusind Bank?
- You do not apply to Indusind Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Indusind Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Indusind 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 Indusind 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 Indusind 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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The underwriting platform these credit boxes come from. Built for lenders and credit teams.
Founder stories from the companies building in India, from the team behind Recur Club.
See whether Indusind Bank is the right lender for you
A few questions. Recur Market scores you against Indusind 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 Indusind Bank's current policy. Terms are set by the lender at the time of sanction.