# PTC India business loans

> PTC India is on Recur Club's lender panel, writing secured term loan.

Source: https://www.recurclub.com/lenders/ptc-india
Last updated: 2026-10-20

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

## Eligibility

### Screening gates and observed behaviour

- Borrower: CIBIL ≥650 · Delhi
- Financials: TOL/adjusted tangible net worth ≤5 · debt/EBITDA ≤4 · debt/networth ≤4 · DSCR ≥1
- 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)

## Common questions

### 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.

---

Check which lenders fund a business like yours: https://www.recurclub.com/recur-market
All lenders: https://www.recurclub.com/lenders

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.