Patni Financial business loans
Patni Financial is on Recur Club's lender panel, writing secured term loan, 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
- pan-India
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
13 more ▾ ▴
- DSCR ≥1
- Deal: rate 13–15%
- ticket ₹15–50cr
- tenure 12–36mo
- no PEP
- Security (observed): FD margin 5–10% (100%)
- 2nd charge on current assets (100%)
- Personal Guarantee Of Promoters/Directors (100%)
- 1st charge on P&M (100%)
- Warrants 5-10% (100%)
- 1st/pari-passu charge on current assets (100%)
- Corporate Guarantee (100%)
- Security asked in : FD margin 5–10% (×1), 2nd charge on current assets (×1), Personal Guarantee Of Promoters/Directors (×1), 1st charge on P&M (×1)
What Patni Financial 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 |
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Also offered, with no terms observed yet: Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about Patni Financial
- What does Patni Financial lend?
- Patni Financial writes secured term loan, working capital demand loan.
- What are Patni Financial'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 Patni Financial ask for?
- Observed across sanctions: FD margin 5–10% (100%) · 2nd charge on current assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · 1st charge on P&M (100%) · Warrants 5-10% (100%) · 1st/pari-passu charge on current assets (100%) · Corporate Guarantee (100%).
- How do I apply to Patni Financial?
- You do not apply to Patni Financial directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Patni Financial's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Patni Financial 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 Patni Financial 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 Patni Financial
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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See whether Patni Financial is the right lender for you
A few questions. Recur Market scores you against Patni Financial 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 Patni Financial's current policy. Terms are set by the lender at the time of sanction.