RBL Bank business loans
RBL Bank is on Recur Club's lender panel, writing cgtmsme overdraft cash credit, dropline overdraft, overdraft / cash credit and 4 other products.
- ✓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
- age ≥2y (cgtmsme overdraft cash credit only)
- avoid: Real Estate (non asset Light) (varies by product)
- Delhi (varies by product)
- sector-agnostic (44 sectors — full list in data JSON) (varies by product)
- Private Limited, Public, Limited Liability Partner (varies by product)
21 more ▾ ▴
- Financials: TOL/adjusted tangible net worth ≤4
- debt/EBITDA ≤3
- debt/networth ≤3
- DSCR ≥1
- EBITDA ≥₹0.5cr (cgtmsme overdraft cash credit only)
- runway ≥12mo (cgtmsme overdraft cash credit only)
- maximum annualrevenue: 250 (cgtmsme overdraft cash credit only)
- Deal: rate 8–16% (range across products — see matrix)
- ticket ₹1–300cr (range across products — see matrix)
- tenure 12–180mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (100%)
- 1st/pari-passu charge on current assets (100%)
- median ticket ₹10cr
- median rate 11%
- median turnaround —
- Security asked in : 1st/pari-passu charge on current assets (×3), Escrow Of Cashflows (×3), FD margin 20–30% (×2), FD margin 30–40% (×2)
- Security asked in : 1st/pari-passu charge on current assets (×9), Personal Guarantee Of Promoters/Directors (×8), FD margin 20–30% (×4), Escrow Of Cashflows (×3)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×1), FD margin 10–15% (×1), 1st/pari-passu charge on current assets (×1)
- share → in-principle approval (initial interest): ≈0d
What RBL Bank 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: Cgtmsme Overdraft Cash Credit, Dropline Overdraft, Overdraft / Cash Credit, Purchase Invoice Discounting, Sales Invoice Discounting, Secured Term Loan, Working Capital Demand Loan.
What borrowers ask about RBL Bank
- What does RBL Bank lend?
- RBL Bank writes cgtmsme overdraft cash credit, dropline overdraft, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 1 further products.
- What are RBL Bank'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 RBL Bank ask for?
- Observed across sanctions: Personal Guarantee Of Promoters / Directors / Property Owner (100%) · FD margin 10–15% (100%) · 1st/pari-passu charge on current assets (100%).
- How do I apply to RBL Bank?
- You do not apply to RBL Bank directly through Recur Club. Answer a short set of questions on Recur Market and your file is scored against RBL Bank's own recorded criteria alongside every other lender on the panel, so you see where you fit before anyone is approached.
- Is RBL Bank 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 RBL Bank 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 RBL Bank
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 RBL Bank is the right lender for you
A few questions. Recur Market scores you against RBL Bank 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 RBL Bank's current policy. Terms are set by the lender at the time of sanction.