# Indusind Bank business loans

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

Source: https://www.recurclub.com/lenders/indusind-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 · age ≥2y · pan-India · sector-agnostic (50 sectors — full list in data JSON) · Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: runway ≥12mo · 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)

## Sanctioned terms (from 59 real sanction letters)

### Sanctioned amount: median ₹28L (₹6L–₹109.1 cr) · NEW ×13 · RENEWAL ×8 · ENHANCEMENT ×1

- median ₹28L (₹6L–₹109.1 cr) · NEW ×13 · RENEWAL ×8 · ENHANCEMENT ×1

### Typical security: 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

- 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

### Typical covenants: - Other standing covenants — 39% of letters

- Other standing covenants — 39% of letters

### Term sheet by ticket size: (facilities, largest first)

- (facilities, largest first)

## Common questions

### 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.

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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 Indusind Bank's current policy.