PTC India business loans
PTC India is on Recur Club's lender panel, writing secured term 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
- Delhi
- Financials: TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- debt/networth ≤4
- DSCR ≥1
5 more ▾ ▴
- Security (observed): 1st charge on immovable assets (100%)
- Personal Guarantee Of Promoters/Directors (100%)
- 1st/pari-passu charge on current assets (100%)
- FD margin 15–20% (100%)
- Security asked in : 1st charge on immovable assets (×1), Personal Guarantee Of Promoters/Directors (×1), 1st/pari-passu charge on current assets (×1), FD margin 15–20% (×1)
What PTC India 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.
What borrowers ask about PTC India
- What does PTC India lend?
- PTC India writes secured term loan.
- What are PTC India'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 PTC India ask for?
- Observed across sanctions: 1st charge on immovable assets (100%) · Personal Guarantee Of Promoters/Directors (100%) · 1st/pari-passu charge on current assets (100%) · FD margin 15–20% (100%).
- What documents does PTC India ask for?
- Most often term sheet. Having these ready before the first call is what shortens the turnaround.
- How do I apply to PTC India?
- You do not apply to PTC India directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against PTC India's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
Next steps after PTC India
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 PTC India is the right lender for you
A few questions. Recur Market scores you against PTC India and the rest of the panel, on each lender's own recorded criteria.
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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 PTC India's current policy. Terms are set by the lender at the time of sanction.