# Kissandhan Agri business loans

> Kissandhan Agri is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/kissandhan-agri
Last updated: 2026-10-20

Also offered, with no terms observed yet: Secured Term Loan.

## Eligibility

### Screening gates and observed behaviour

- Borrower: age ≥2y · CIBIL ≥650 · avoid: Auto Components, Automobiles, Aviation, Banking, Biotechnology, Cement, Chemicals, Consumer Durables, Defence Manufacturing, E-Commerce, Education and Training, Electric Vehicle, Electronics System Design & Manufacturing, Engineering and Capital Goods, Engineering, Procurement, and Construction (EPC), Explosives, Arms and Ammunitions, FMCG, Food Processing, Gambling and Betting, Gems and Jewellery, Healthcare, Infrastructure, Lottery Business, Manufacturing, Media and Entertainment, Medical Devices, Metals and Mining, Mining Companies, Mining Equipment, Mining Tech, Oil and Gas, Others, Paper & Packaging, Pharmaceuticals, Ports, Power, Railways, Real Estate (asset Light), Real Estate (non asset Light), Renewable Energy, Retail (Consumer Goods), Roads, SaaS, Science and Technology, Services, Services for Mining Industry, Steel, Tech Services, Telecommunications, Textiles, Tobacco Products, Tourism and Hospitality, Trading · pan-India · Private Limited, Public · positive sector: Financial Services, Insurance, Agriculture and Allied Industries
- Financials: runway ≥12mo · TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · minimum assetsundermanagement: 100 · networth ≥₹30cr · debt/networth ≤4 · DSCR ≥1
- Deal: rate 14–22% · ticket ₹1–10cr · tenure 6–24mo
- Security (observed): 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%)
- Security asked in : 1st/pari-passu charge on current assets (×2), Personal Guarantee Of Promoters/Directors (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
- share → in-principle approval (initial interest): ≈8d

## Common questions

### What does Kissandhan Agri lend?

Kissandhan Agri writes secured term loan.

### What are Kissandhan Agri'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 Kissandhan Agri ask for?

Observed across sanctions: 1st/pari-passu charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (50%) · Personal Guarantee Of Promoters / Directors / Property Owner (50%).

### How do I apply to Kissandhan Agri?

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

### Is Kissandhan Agri 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 Kissandhan Agri 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 Kissandhan Agri's current policy.