Piramal Capital business loans
Piramal Capital is on Recur Club's lender panel, writing purchase invoice discounting, secured term loan, working capital demand loan.
- ✓We check your fit against every lender on the panel, not just this one
4 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Piramal Capital & Housing Finance Limited
- Borrower: CIBIL ≥650
- avoidEngineeringProcurementand Construction (EPC)ExplosivesArms and AmmunitionsFinancial ServicesGems and Jewellery (varies by product)
- Maharashtra, Karnataka (varies by product)
- Private Limited, Public, Sole proprietorship, Limited Liability Partner
- sector-agnostic (45 sectors — full list in data JSON) (varies by product)
- Financials: TOL/adjusted tangible net worth ≤5
21 more ▾ ▴
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- rev ≥₹100cr (loan against property, loan against securities only)
- maximum annualrevenue: 2000 (loan against property, loan against securities only)
- Deal: rate 10–18% (range across products — see matrix)
- ticket ₹15–1000cr (range across products — see matrix)
- tenure 12–84mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Escrow Of Cashflows (75%)
- 1st/pari-passu charge on current assets (50%)
- 1st charge on immovable assets (50%)
- share pledge ≤51% (50%)
- median ticket ₹60cr
- median rate 14%
- median turnaround —
- Security asked in : Fixed Deposit <5% (×5), FD margin 5–10% (×5), FD margin 10–15% (×5), FD margin 15–20% (×5)
- Security asked in : Personal Guarantee Of Promoters/Directors (×4), 2nd charge on current assets (×3), 1st/pari-passu charge on current assets (×2), FD margin 15–20% (×2)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×4), Escrow Of Cashflows (×3), 1st/pari-passu charge on current assets (×2), 1st charge on immovable assets (×2)
- share → in-principle approval (initial interest): ≈3d
Piramal Capital & Housing Financelimited
- Deal being discussed at around 30cr ticket size
- Deal can be structured as a takeover of the existing CBI facility combined with disbursement in tranches for the primary portion
- Lender's enthusiasm hinges on knowing the builder name (builder-approval-driven appetite)
- Borrower: age ≥5y
- CIBIL ≥650
- avoidAgriculture and Allied IndustriesAuto ComponentsAutomobilesAviationBankingBiotechnologyCementChemicalsConsumer DurablesDefence ManufacturingE-CommerceEducation and Training
- Karnataka
- positive sector: Real Estate (non asset Light)
- Financials: EBITDA ≥₹5cr
14 more ▾ ▴
- runway ≥12mo
- rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 12–18%
- ticket ₹15–150cr
- tenure 12–84mo
- Security (observed): 1st charge on immovable assets (100%)
- Escrow Of Cashflows (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- Security asked in : 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), Escrow Of Cashflows (×1)
- Security asked in 2026: 1st charge on immovable assets (×1), Escrow Of Cashflows (×1), Personal Guarantee Of Promoters / Directors / Property Owner (×1)
Piramal Capital Limited
- rate: 1416% rate (can be structured with lower coupon and equity upside)
- Instrument: Can do NCD, CCD, OCD
- Sectors: except Real estate, EPC, Mining
- Borrower: CIBIL ≥650
- avoid: Gems and Jewellery, Explosives, Arms and Ammunitions, Financial Services (varies by product)
- Telangana (varies by product)
- sector-agnostic (50 sectors — full list in data JSON)
- Financials: EBITDA ≥₹-100cr (secured term loan)
- EBITDA ≥₹1cr (loan against property, loan against securities, overdraft / cash credit)
15 more ▾ ▴
- rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
- Deal: rate 10–16% (range across products — see matrix)
- ticket ₹15–500cr
- tenure 12–84mo
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- share pledge ≤51% (60%)
- median ticket ₹90cr
- median rate 14%
- median turnaround —
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×5), share pledge ≤51% (×3), 1st/pari-passu charge on current assets (×2), FD margin 10–15% (×2)
Piramal Renewable Energy Private Limited
- Piramal's focus is to get 25% unsecured loan in the mix
- Piramal's focus is to get 25% unsecured loan in the mix
- Borrower: CIBIL ≥650
- Karnataka
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
What Piramal Capital 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 | Arm |
|---|
Also offered, with no terms observed yet: Purchase Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What a sanction from Piramal Capital actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Piramal Capital & Housing Finance Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
Piramal Capital Limited
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 8 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.
Piramal Capital & Housing Finance Limited
- Immovable Property1 letters
- Immovable Property ×1
Piramal Capital Limited
- Immovable Property1 letters
- Immovable Property ×1
What borrowers ask about Piramal Capital
- What does Piramal Capital lend?
- Piramal Capital writes purchase invoice discounting, secured term loan, working capital demand loan.
- What are Piramal Capital'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 Piramal Capital ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · Escrow Of Cashflows (75%) · 1st/pari-passu charge on current assets (50%) · 1st charge on immovable assets (50%) · share pledge ≤51% (50%).
- How do I apply to Piramal Capital?
- You do not apply to Piramal Capital directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against Piramal Capital's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is Piramal Capital 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 Piramal Capital 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 Piramal Capital
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 Piramal Capital is the right lender for you
A few questions. Recur Market scores you against Piramal Capital 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 Piramal Capital's current policy. Terms are set by the lender at the time of sanction.