# Motilal Oswal business loans

> Motilal Oswal is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/motilal-oswal
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Andhra Pradesh, Karnataka, Kerala, Tamil Nadu, Telangana, Puducherry, Lakshadweep · positive sector: Real Estate (asset Light), Real Estate (non asset Light)
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- Deal: rate 13–14% · ticket ₹5–100cr · tenure 24–60mo
- Security (observed): 1st charge on immovable assets (100%) · Immovable Fixed Assets - Pari Passu First Charge (100%) · 1st/pari-passu charge on current assets (100%) · Land - Exclusive First Charge (100%) · Land - Pari Passu First Charge (100%) · 1st charge on P&M (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 30–40% (100%) · FD margin 20–30% (100%) · FD margin 40–50% (100%) · Fixed Deposit >75% (100%) · FD margin 50–75% (100%) · Escrow Of Cashflows (100%) · Corporate Guarantee (100%) · Residential Property - Exclusive First Charge (100%) · Residential Property - Pari Passu First Charge (100%)
- Security asked in 2026: 1st charge on immovable assets (×1), Immovable Fixed Assets - Pari Passu First Charge (×1), 1st/pari-passu charge on current assets (×1), Land - Exclusive First Charge (×1)

## Common questions

### What does Motilal Oswal lend?

Motilal Oswal writes secured term loan.

### What are Motilal Oswal'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 Motilal Oswal ask for?

Observed across sanctions: 1st charge on immovable assets (100%) · Immovable Fixed Assets - Pari Passu First Charge (100%) · 1st/pari-passu charge on current assets (100%) · Land - Exclusive First Charge (100%) · Land - Pari Passu First Charge (100%) · 1st charge on P&M (100%) · Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (100%) · Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 30–40% (100%) · FD margin 20–30% (100%) · FD margin 40–50% (100%) · Fixed Deposit >75% (100%) · FD margin 50–75% (100%) · Escrow Of Cashflows (100%) · Corporate Guarantee (100%) · Residential Property - Exclusive First Charge (100%) · Residential Property - Pari Passu First Charge (100%).

### How do I apply to Motilal Oswal?

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

### Is Motilal Oswal 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 Motilal Oswal screens on; running your own numbers through Recur Market shows whether you clear it, and which other lenders you clear at the same time.

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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 Motilal Oswal's current policy.