# Patni Financial business loans

> Patni Financial is on Recur Club's lender panel, writing secured term loan, working capital demand loan.

Source: https://www.recurclub.com/lenders/patni-financial
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- 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 · 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)

## Common questions

### 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.

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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 Patni Financial's current policy.