What does Poonawalla Fincorp lend?

Poonawalla Fincorp writes loan against property, overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan, working capital demand loan. Across those, observed facilities run ₹20 lakh to ₹15 cr.

What ticket size does Poonawalla Fincorp offer?

Facilities observed on live transactions run from ₹20 lakh to ₹15 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.

What rate does Poonawalla Fincorp charge?

Rates observed on live transactions fall between 11.5% and 20% a year. Tenures run 36 to 48 months. These are observed figures, not a quote, and the rate you are offered depends on your file.

How long does Poonawalla Fincorp take to disburse?

About 11 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.

What are Poonawalla Fincorp's eligibility criteria?

The first screen is the bureau: a borrower CIBIL of at least 700. 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.

Lender profile

Poonawalla Fincorp business loans

Poonawalla Fincorp is on Recur Club's lender panel, writing loan against property, overdraft / cash credit, purchase invoice discounting and 3 other products. Observed tickets run ₹20 lakh to ₹15 cr, priced between 11.5% and 20%. Median turnaround from application to disbursal is about 11 days.

✓Tickets from ₹20 L – ₹15 Cr across 6 products
✓Indicative pricing 11.5% – 20%, as quoted on live transactions
✓Around 11 days from application to disbursal when the file is clean
✓We check your fit against every lender on the panel, not just this one

Check your fit →See a typical term sheet

Products live

₹40L

Median sanction

Days median turnaround

Sanction letters read

— Which arm you land with

2 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.

Poonawalla Fincorp Limited

Behaviour & gates

Borrower: minimum bankingturnover: 1 (unsecured business loan only)
age ≥2y (unsecured business loan)
age ≥3y (secured term loan)
maximum bankingturnover: 200 (unsecured business loan only)
CIBIL ≥700 (unsecured business loan)
CIBIL ≥650 (secured term loan)

27 more ▾

max usl enquiries l6 m: 9 (unsecured business loan only)
max nach cheque bounces l3 m: 1 (unsecured business loan only)
Private Limited, Limited Liability Partner (varies by product)
sector-agnostic (37 sectors — full list in data JSON) (varies by product)
avoid: Real Estate (non asset Light), Infrastructure (varies by product)
Andaman and Nicobar Islands, Andhra Pradesh, Bihar, Chandigarh, Dadra and Nagar Haveli and Daman and Diu, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu and Kashmir, Jharkhand, Karnataka, Kerala, Ladakh, Lakshadweep, Madhya Pradesh, Maharashtra, Puducherry, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand, West Bengal, Odisha (varies by product)
Financials: EBITDA ≥₹10cr
rev ≥₹80cr
TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
networth ≥₹10cr
debt/networth ≤4
DSCR ≥1
Deal: rate 10–20% (range across products — see matrix)
ticket ₹0.1–100cr (range across products — see matrix)
tenure 12–60mo (range across products — see matrix)
no PEP
Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
1st/pari-passu charge on current assets (56%)
median ticket ₹0.5cr
median rate 18%
median turnaround 11d
Security asked in : Personal Guarantee Of Promoters/Directors (×11), 1st/pari-passu charge on current assets (×10), FD margin 15–20% (×5), Escrow Of Cashflows (×4)
Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×9), 1st/pari-passu charge on current assets (×5), 1st charge on P&M (×4), Movable Fixed Assets/Plant & Machinery - Pari Passu First Charge (×3)
share → in-principle approval (initial interest): ≈8d
in-principle approval → sanction (underwriting): ≈0d
sanction → disburse (closing): ≈2d

Poonawalla Finance Private Limited

Behaviour & gates

Borrower: CIBIL ≥650
Financials: TOL/adjusted tangible net worth ≤5
debt/EBITDA ≤4
debt/networth ≤4
DSCR ≥1
Security (observed): 1st charge on immovable assets (100%)

2 more ▾

Personal Guarantee Of Promoters / Directors / Property Owner (50%)
Security asked in 2026: 1st charge on immovable assets (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×1)

— Products & indicative terms

What Poonawalla Fincorp 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
Secured Term Loan▾▴ Turnaround ~108d Rejects Negative sectors: Real Estate (non asset Light), Infrastructure Wins Director overdue: 0.001 INR Cr States: 27 approved states → data JSON Company types: Private Limited, Public, Limited Liability Partner Min company age (yr): 3 Years 13 more ▾ ▴ Director CIBIL: 650 Min EBITDA (₹cr): 10 Min revenue (₹cr): 80 Debt / EBITDA: 4 Min Networth: 10 INR Cr Debt / Net worth: 4 Debt Service Coverage Ratio: 1 Offered terms (past deals): rate 11.5–11.5–11.5% ₹15–15–15 Cr 36–36–36 mo Turnaround: ≈108 days (share→disburse) Asks for Cap table / equity (×1) Asks for Term sheet (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 20 Max tenure (mo): 60 Months Min rate (%): 10 Politically Exposed Person: Yes Max ticket (₹cr): 100 5 more ▾ ▴ Security required: ['Charge On Current Assets - Pari Passu First Charge', 'Fixed Deposit 10 - 15%'], ['Charge on Immovable Fixed Assets - Exclusive First Charge'], ['Charge On Current Assets - Second Charge', 'Escrow Of Cashflows'], ['Charge On Movable Fixed Assets/Plant & Machinery - Exclusive First Charge'] Max rate (%): 13 rate — stated 10–13%, actually offered 11.5–11.5% → within stated band Amount — stated 20–100 Cr, actually offered 15–15 Cr → priced/sized below stated floor Tenure — stated 12–60 mo, actually offered 36–36 mo → within stated band	₹15 cr	11.5%	36 mo	Poonawalla Fincorp
Unsecured Business Loan▾▴ Turnaround ~8d Wins Min Bankingturnover: 1 INR Cr Min company age (yr): 2 Years Max Bankingturnover: 200 INR Cr Director CIBIL: 700 14 more ▾ ▴ Max Usl Enquiries L6 M: 9 Company types: Private Limited, Sole proprietorship, Limited Liability Partner Max Nach Cheque Bounces L3 M: 1 Offered terms (past deals): rate 18–19–20% ₹0.2–0.2–0.3 Cr 36–42–48 mo Turnaround: ≈8 days (share→disburse) Asks for Debt schedule / sanction letters (×8) Asks for Bank statements (×5) Asks for Legal / KYC (×4) Asks for Term sheet (×4) Asks for Cap table / equity (×3) Asks for Data room / datasets (×3) Asks for Contracts/work orders (×1) Behaviour & gates Min tenure (mo): 12 Months Min ticket (₹cr): 0.05 Max tenure (mo): 36 Months Min rate (%): 17 Politically Exposed Person: No Max ticket (₹cr): 01 4 more ▾ ▴ Max rate (%): 20 rate — stated 17–20%, actually offered 18–20% → within stated band Amount — stated 0.1–1 Cr, actually offered 0.2–0.3 Cr → within stated band Tenure — stated 12–36 mo, actually offered 36–48 mo → exceeded stated ceiling	₹0.2–0.3 cr	18–20%	36–48 mo	Poonawalla Fincorp

Also offered, with no terms observed yet: Overdraft / Cash Credit, Purchase Invoice Discounting, Working Capital Demand Loan, Loan Against Property.

— Typical term sheet

What a sanction from Poonawalla Fincorp actually looks like

Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.

Specimen sanction

Representative of the median file. Your actual terms will move with rating, security cover and relationship.

Indicative

How often each clause appears

Share of the 25 sanction letters carrying the clause.

Other standing covenants48%

— Security & covenants

What they will ask you to pledge

Counted across the sanction letters read. A combination is normal, and most files carry more than one.

Poonawalla Fincorp Limited

Immovable property1 letters
Repayment Instrument (auto-debit mandate/cheque) held as security1 letters
Repayment Instrument (auto-debit mandate/Cheque)1 letters
Machinery / Equipment1 letters
Machinery/Equipment1 letters
Machinery/Asset1 letters

Immovable property ×1, Repayment Instrument (auto-debit mandate/cheque) held as security ×1, Repayment Instrument (auto-debit mandate/Cheque) ×1, Machinery / Equipment ×1, Machinery/Equipment ×1, Machinery/Asset ×1

— Common questions

What borrowers ask about Poonawalla Fincorp

What does Poonawalla Fincorp lend?: Poonawalla Fincorp writes loan against property, overdraft / cash credit, purchase invoice discounting, secured term loan, unsecured business loan, working capital demand loan. Across those, observed facilities run ₹20 lakh to ₹15 cr.
What ticket size does Poonawalla Fincorp offer?: Facilities observed on live transactions run from ₹20 lakh to ₹15 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
What rate does Poonawalla Fincorp charge?: Rates observed on live transactions fall between 11.5% and 20% a year. Tenures run 36 to 48 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
How long does Poonawalla Fincorp take to disburse?: About 11 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
What are Poonawalla Fincorp's eligibility criteria?: The first screen is the bureau: a borrower CIBIL of at least 700. 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.

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Last updated 6 October 2026

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 Poonawalla Fincorp's current policy. Terms are set by the lender at the time of sanction.