Karur Vysya business loans
- ✓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: age ≥3y
- CIBIL ≥650
- avoidAviationBankingExplosivesArms and AmmunitionsGambling and BettingGems and JewelleryInsuranceLottery BusinessMedia and EntertainmentTobacco ProductsTourism and Hospitality (varies by product)
- Financials: runway ≥12mo
- minimum annualrevenuegrowthrate: 10
- maximum tradereceivables: 120
14 more ▾ ▴
- rev ≥₹125cr
- TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3 (varies by product)
- maximum tradepayables: 120
- maximum workingcapitalgap: 120
- networth ≥₹10cr
- debt/networth ≤4 (varies by product)
- DSCR ≥1.2 (varies by product)
- minimum assetsundermanagement: 750 (secured term loan only)
- gross non performing assets: 3 (secured term loan only)
- Deal: no PEP
- Security: 1st/pari-passu charge on current assets
- 1st charge on immovable assets
- FD margin 40–50%
What a sanction from Karur Vysya 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 6 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.
- Term Deposit / Cash Margin1 letters
- Current Assets / Book Debts / Stocks1 letters
- Stocks/Vehicles/Machinery1 letters
- Fixed Deposit1 letters
- Book Debts1 letters
- Commercial Vehicle (Tipper)1 letters
- Term Deposit / Cash Margin ×1, Current Assets / Book Debts / Stocks ×1, Stocks/Vehicles/Machinery ×1, Fixed Deposit ×1, Book Debts ×1, Commercial Vehicle (Tipper) ×1
What borrowers ask about Karur Vysya
- What are Karur Vysya'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.
- How do I apply to Karur Vysya?
- You do not apply to Karur Vysya directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Karur Vysya's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Karur Vysya 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 Karur Vysya 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 Karur Vysya
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.
Registry identity, GST status, charges and ratings for any Indian company, including your own.
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 Karur Vysya is the right lender for you
A few questions. Recur Market scores you against Karur Vysya 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 Karur Vysya's current policy. Terms are set by the lender at the time of sanction.